Total monthly cost of ownership
Cost to Own a Home in Utica, Nebraska
A $180,000 home here costs
$1,528per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $925. The real number is $603 higher every month — 65% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Utica against Seward County and Nebraska
| Measure | Utica | Seward County |
|---|---|---|
| Median home value | $179,700 | $232,400 |
| Median property tax | $1,789 | $2,791 |
| Effective tax rate | 0.996% | 1.201% |
| Median gross rent | $843 | $969 |
| Population | 1,092 | 17,636 |
The weather behind that power bill
Utica sits in Seward County, which averages a high of 85.7°F in its hottest month and a low of 12.0°F in its coldest, with 28.67" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 984 cooling and 6,424 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Seward County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Seward County
Full Seward County cost breakdown · Every county in Nebraska
Common questions
How much does it cost to own a home in Utica?
A $180,000 home in Utica, Nebraska costs approximately $1,528 per month with 20% down at 6.66%. That is $925 principal and interest, $149 property tax, $113 homeowners insurance, $190 utilities and $150 set aside for maintenance.
What is the property tax rate in Utica?
Utica has an effective property tax rate of 0.996%, based on a median home value of $179,700 and median real estate taxes of $1,789. That is lower than the Seward County average of 1.201%.
What is the average home price in Utica?
The median owner-occupied home value in Utica, Nebraska is $179,700, against $232,400 across Seward County.
Is it cheaper to rent or buy in Utica?
Median gross rent in Utica is $843 a month, against $1,528 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Utica — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Nebraska.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.