Measured FHFA data · through 2025
Home appreciation in Utica, NY
Home prices in the Utica-Rome, NY area rose +9.8% a year over the five years ending 2025, by the FHFA all-transactions index, against +9.2% a year for New York as a whole. That is 0.6 points a year ahead of the state index.
The pace, three windows
1-year
+6.4%
2025 over 2024. New York: +7.0%.
5-year, per year
+9.8%
Compound annual pace, 2020 to 2025. New York: +9.2%.
10-year, per year
+7.1%
+98.3% in total since 2015. New York: +6.8%.
20 years against New York
Among the 409 metros with enough history to measure, that places Utica, NY 149th nationally and 6th of the 13 measured metros in New York. The last five years ran faster than the decade: +7.1% a year over ten years, +98.3% in total. Within the window shown, the index never fell more than 1.3% from a prior peak. The strongest single year in the window was 2022 at +15.4%, and the weakest was 2011 at -1.2%. In 2025 alone the index moved +6.4%, against +7.0% for the state.
Year by year
| 2005 | 100.0 | — | 100.0 |
|---|---|---|---|
| 2006 | 106.7 | +6.7% | 106.5 |
| 2007 | 112.5 | +5.5% | 107.1 |
| 2008 | 115.7 | +2.8% | 104.0 |
| 2009 | 116.5 | +0.7% | 99.5 |
| 2010 | 116.5 | 0.0% | 96.7 |
| 2011 | 115.1 | -1.2% | 94.7 |
| 2012 | 115.0 | 0.0% | 93.4 |
| 2013 | 115.8 | +0.6% | 94.0 |
| 2014 | 115.9 | +0.1% | 95.8 |
| 2015 | 117.8 | +1.6% | 99.0 |
| 2016 | 121.5 | +3.1% | 102.4 |
| 2017 | 123.7 | +1.9% | 106.9 |
| 2018 | 130.5 | +5.5% | 112.2 |
| 2019 | 135.5 | +3.8% | 117.0 |
| 2020 | 146.1 | +7.8% | 122.8 |
| 2021 | 164.3 | +12.5% | 136.6 |
| 2022 | 189.7 | +15.4% | 154.6 |
| 2023 | 201.1 | +6.0% | 165.0 |
| 2024 | 219.4 | +9.1% | 178.2 |
| 2025 | 233.5 | +6.4% | 190.6 |
The 13 measured metros in New York
| # | ||||
|---|---|---|---|---|
| 1 | Kingston, NY | +4.9% | +11.3% | +8.2% |
| 2 | Rochester, NY | +7.5% | +11.3% | +7.7% |
| 3 | Syracuse, NY | +8.9% | +11.3% | +7.5% |
| 4 | Kiryas Joel-Poughkeepsie-Newburgh, NY | +7.2% | +10.4% | +7.3% |
| 5 | Buffalo-Cheektowaga, NY | +6.6% | +10.0% | +7.7% |
| 6 | Utica-Rome, NY | +6.4% | +9.8% | +7.1% |
| 7 | Binghamton, NY | +9.9% | +9.5% | +6.2% |
| 8 | Albany-Schenectady-Troy, NY | +6.2% | +9.2% | +6.0% |
| 9 | Glens Falls, NY | +7.6% | +9.1% | +6.0% |
| 10 | Nassau County-Suffolk County, NY (metropolitan division) | +7.0% | +8.8% | +6.7% |
| 11 | New York-Jersey City-White Plains, NY-NJ (metropolitan division) | +7.1% | +8.0% | +6.0% |
| 12 | Elmira, NY | +2.1% | +6.8% | +4.5% |
| 13 | Watertown-Fort Drum, NY | +4.9% | +6.4% | +3.6% |
Source & method: Metro figures: FHFA quarterly all-transactions index for metropolitan statistical areas and metropolitan divisions, annualized as the mean of the four quarterly (NSA) values. State figures: FHFA quarterly all-transactions index, annualized as the mean of the four quarterly (NSA) values. “5-yr /yr” and “10-yr /yr” are compound annual growth over the window ending 2025; all figures are nominal. Data published by the FHFA House Price Index; this edition compiled 2026-09-07. Educational data, not investment advice.
See the New York row in the state rankings, the county rankings, and, for why one metro number hides so much, why two homes in the same ZIP code appreciate differently.
Frequently asked questions
How fast have home prices risen in Utica, NY?
+9.8% a year over the five years ending 2025, and +7.1% a year over ten, by the FHFA all-transactions index for the Utica-Rome, NY area. Over ten years that is +98.3% in total. These are measured, nominal changes, not forecasts.
Is Utica, NY appreciating faster than New York?
Over the five years ending 2025, yes: +9.8% a year for the metro against +9.2% for the state, 0.6 points a year ahead. Over ten years the gap is +0.3 points a year.
Does a metro average tell me what a specific home in Utica, NY will do?
No. This page reports the measured index for the whole metro. Neighborhoods and individual homes inside it followed different paths, and a metro average conceals that spread. Use it for context, then evaluate the specific property within its own local market.
Averages end where the decision starts
These are area averages from measured history. Individual homes inside the same area follow meaningfully different paths. Good Investment ranks a specific property within its own market, with context and a confidence flag.