Taxes in Utica, New York
Complete tax guide for Utica, NY. State income tax up to 6.85%, 1.71% property tax, 6.66% sales tax. Calculate your total tax burden.
State Income Tax
6.85%
New York
Property Tax
1.71%
Effective rate
Sales Tax
6.66%
Combined rate
Tax Burden
Very High
Utica, NY Tax Overview
Population
62,235
Median Income
$79,300
Cost of Living
131.3 (100 = avg)
State Income Tax
6.85%
Local Income Tax
2.52%
Median Home Price
$453,000
Utica Tax Calculator
Pre-filled with Utica median: $79,300
Total Tax Burden in Utica
$22,557
Take-Home: $56,743 · Effective Rate: 28.44%
Federal Tax
$9,060
11.42% eff.
NY State + Local
$7,430
9.37% eff.
FICA
$6,066
7.65% eff.
Take-Home
$56,743
71.56% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $79,300.00 | $6,608.33 |
| Federal Income Tax | -$9,060.00 | -$755.00 |
| New York State Tax | -$5,432.05 | -$452.67 |
| Utica Local Tax (2.52%) | -$1,998.36 | -$166.53 |
| Social Security (6.2%) | -$4,916.60 | -$409.72 |
| Medicare (1.45%) | -$1,149.85 | -$95.82 |
| Take-Home Pay | $56,743.14 | $4,728.60 |
Property Tax in Utica
Median Home
$453,000
Annual Tax
$7,746
Monthly Tax
$646
Effective Rate
1.71%
Sales Tax in Utica
Combined Rate
6.66%
State Portion
~4.2%
Local Portion
~2.5%
The combined sales tax rate in Utica is 6.66%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.66 in sales tax.
Tax Burden Comparison
| Tax Type | Utica | New York Avg | National Avg |
|---|---|---|---|
| Income Tax | 6.85% + 2.52% | 6.85% | 4.6% |
| Property Tax | 1.71% | ~1.71% | 1.1% |
| Sales Tax | 6.66% | ~6.66% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Utica Residents
- New York's income tax rate of 6.85% is above average. Maximize pre-tax retirement contributions (401k up to $23,500, IRA up to $7,000) to reduce both federal and state taxable income.
- Utica has a local income tax of 2.52%. If you work remotely, verify whether you owe city tax based on where you work or where you live. Some cities only tax people who work within city limits.
- Property tax in Utica (1.71%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Utica, NY?
Utica, New York has a state income tax rate up to 6.85%, plus a local income tax of 2.52%. The property tax rate is 1.71% and the combined sales tax rate is 6.66%.
How much is property tax in Utica?
The effective property tax rate in Utica is 1.71%. On the median home price of $453,000, this equals approximately $7,746 per year or $646 per month. This is above the national average of 1.1%.
What is the sales tax rate in Utica?
The combined sales tax rate in Utica is 6.66%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Utica's tax burden compare to other cities?
Utica has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 36.3%. The combination of 6.85% state income tax, 1.71% property tax, and 6.66% sales tax determines the total burden. Cost of living index is 131.3 (100 = national average).
Are there any local taxes in Utica?
Yes. Utica imposes a local income tax of 2.52% in addition to the state income tax of 6.85%.