Total monthly cost of ownership
Cost to Own a Home in Utica, South Carolina
A $135,000 home here costs
$1,201per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $51,500 a year.
A standard mortgage calculator would have told you $736. The real number is $465 higher every month, 63% more than the payment most buyers budget for.
Compare Oconee County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Utica from a five-year rolling sample, and with about 1,529 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Oconee County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Utica against Oconee County and South Carolina
| Measure | Utica | Oconee County |
|---|---|---|
| Median home value | $135,300 | $217,200 |
| Median property tax | $654 | $856 |
| Effective tax rate | 0.483% | 0.394% |
| Median gross rent | $1,116 | $876 |
| Population | 1,529 | 79,566 |
The weather behind that power bill
Utica sits in Oconee County, which averages a high of 88.5°F in its hottest month and a low of 29.2°F in its coldest, with 61.1" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,396 cooling and 3,483 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Oconee County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Oconee County
Full Oconee County cost breakdown · Every county in South Carolina
Talk to someone who works this market
These are Utica averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Utica every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Utica?
A $135,000 home in Utica, South Carolina costs approximately $1,201 per month with 20% down at 7.24%. That is $736 principal and interest, $54 property tax, $65 homeowners insurance, $233 utilities and $113 set aside for maintenance.
What is the property tax rate in Utica?
Utica has an effective property tax rate of 0.483%, based on a median home value of $135,300 and median real estate taxes of $654. That is higher than the Oconee County average of 0.394%.
What is the average home price in Utica?
The median owner-occupied home value in Utica, South Carolina is $135,300, against $217,200 across Oconee County.
Is it cheaper to rent or buy in Utica?
Median gross rent in Utica is $1,116 a month, against $1,201 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Utica?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Utica, South Carolina at today's rate takes a household income of roughly $51,500 a year. That covers the full $1,201 monthly cost, not just the mortgage payment.
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 South Carolina.
- 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.