Utica, Minnesota.
Typical home $375,343 (+6.7% in a year). Winona, MN metro.
to buy the typical home at today's mortgage rate — +$1,111 (+129%) since Jan 2020.
- 1 year
- Up $23,460 +7%
- $351,883$375,343 since Sep 2025
- 5 years
- Up $98,942 +36%
- $276,401$375,343 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$1,970
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Utica, MN rose 6.7% over the past year — faster than the nation's +1.2%.
Living in Utica, Winona County, Minnesota
Utica is a city of 266 people in Winona County. Half its households earn more than $73,125 a year and half less, against $70,744 across Winona County; 8% of its people live below the poverty line. Unemployment in Winona County was 4.0% in August 2026, and the county had 0.4% fewer jobs in 2025 than the year before. The most people in Winona 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 It can be wrong or out of date.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 very small city in Winona County, Minnesota, where neighbors are likely to know one another. Incomes run a little above the county's, and homes are valued fairly high for a town this size. Winters are cold and snowy, with January the coldest month, while July brings warm summer days, and the year sees a fair amount of rain and melted snow.
Work. Residents work mostly in schools, hospitals and social care, with many others in manufacturing, shops, and restaurants, hotels and entertainment. Across Winona County, the largest workplaces include Winona State University, Winona Health Services and Fastenal Company. Unemployment across the county is a little higher than a year ago, and the number of jobs has slipped slightly.
Things to do. Whitewater State Park, a protected area, is a short drive away, as is Pine Creek, a river. With a longer drive, there are more state parks to visit, such as John A. Latsch State Park, along with the Minnesota Marine Art Museum.
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- 85households
- 23%of adults have a degree
- 8%below the poverty line
- 23 mintypical commute
- 8%work from home
What people in Winona County work in
Employed residents by industry, from the Census survey. Winona County had 23,933 jobs in 2025, 0.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 23° and lows near 8°; warmest in July, with highs near 83° and lows near 64°. About 36 inches of snow and 35 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Minnesota City Dam weather station, 14 miles away (NOAA).
Largest workplaces in Winona County
- Winona State UniversityUniversity or college910
- Saint Mary's University of MinnesotaUniversity or college732
- Winona Health ServicesGeneral hospital711FTE
- Benchmark WinonaPrinted circuit assemblies manufacturing701
- Fastenal CompanyIndustrial supplies merchant wholesalers548
- Winona Area Public School DistrictSchool district421FTE
- Fastenal CompanyIndustrial supplies merchant wholesalers411
- WalmartWarehouse clubs and supercenters368
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 98 workplaces with 20 or more staff, 12,285 people in all across the county; Utica has none of its own. Colleges come from IPEDS (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); 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
- HailRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- Inland floodingRelatively high
- DroughtRelatively moderate
- Strong windRelatively 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 moderate. 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 Winona County and the Winona, MN 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$375,343
- Minnesota$348,778
- 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.
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.