Utica, Indiana.
Typical home $235,329 (+0.7% in a year). Louisville/Jefferson County, KY-IN metro.
to buy the typical home at today's mortgage rate — +$664 (+116%) since Jan 2020.
- 1 year
- Up $1,594 +1%
- $233,735$235,329 since Sep 2025
- 5 years
- Up $44,727 +23%
- $190,602$235,329 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Utica$1,235
- Indiana$1,350
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Utica, IN rose 0.7% over the past year — slower than the nation's +1.2%.
Living in Utica, Clark County, Indiana
Utica is a town of 860 people in Clark County. Half its households earn more than $84,886 a year and half less, against $74,214 across Clark County; 9% of its people live below the poverty line. 81% of its homes are lived in by their owners and 19% are rented. Unemployment in Clark County was 3.6% in August 2026, and the county had 1.2% more jobs in 2025 than the year before. The most people in Clark County work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Utica is a small town in Clark County, Indiana, where most homes are lived in by their owners and incomes run above the county's. Fewer residents live below the poverty line than you might expect for a town of its size, and a good share of adults hold a four-year degree. Winters are cold and summers are warm, with rain and melted snow spread through the year.
Work. Residents work mainly in schools, hospitals and social care, with manufacturing, shops and restaurants and hotels also employing many people. Across Clark County, some of the largest workplaces are Amazon, Clark Memorial Hospital and Greater Clark County Schools. The typical commute is moderate, and a fair number of people work from home.
Things to do. A short drive away, Falls of the Ohio State Park is a protected area along the river, and the Louisville Zoo is close by as well. The Muhammad Ali Center is a museum a short drive away, and Lynn Family Stadium offers a place to watch a game. For a longer outing, Kentucky Kingdom is an amusement park a longer drive away.
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- 401households
- 39%of adults have a degree
- 9%below the poverty line
- 23 mintypical commute
- 13%work from home
What people in Clark County work in
Employed residents by industry, from the Census survey. Clark County had 59,952 jobs in 2025, 1.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 43° and lows near 27°; warmest in July, with highs near 88° and lows near 69°. About 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Louisville Bowman Field weather station, 8 miles away (NOAA).
Largest workplaces in Clark County
- AmazonGeneral warehousing and storage2,367
- Clark Memorial HospitalGeneral hospital1,350FTE
- Greater Clark County SchoolsSchool district1,080FTE
- Communications Test DesignWarehouse testing, logistics and repair1,019
- PharmaCord - HiltonCustomer service call centers800
- Pegatron Technology ServicesConsumer electronics repair and maintenance services without retailing new consumer electronics578
- Medline IndustriesWholesale distribution of medical, dental, and hospital equipment and supplies507
- U.s. Census BureauFederal government · Department of Commerce470
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 150 workplaces with 20 or more staff, 21,945 people in all across the county; Utica has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and federal offices from OPM's federal workforce data (2026); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- TornadoesRelatively high
- Inland floodingRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Utica’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Clark County and the Louisville/Jefferson County, KY-IN metro.
Utica home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Utica$235,329
- Indiana$257,165
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Utica12
Zip codes with a Utica address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Utica — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.