College Costs in Utica, NY 2026
Compare tuition, housing, and financial aid across 3 colleges in Utica, New York. Use our free calculator to estimate your total cost.
Avg Public Tuition
$10,200
per year
Avg Private Tuition
$42,000
per year
Avg Rent Near Campus
$1,359
per month
Colleges & Universities
3
institutions
Utica Overview
Population
62,235
Student Population
3,352 (5.4%)
Cost of Living Index
131.3 (avg: 100)
Walk Score
55/100
Transit Score
24/100
Unemployment Rate
4.9%
College Cost Calculator for Utica
Cost Inputs
Total Cost (4 Years, Public In-State)
$104,832
Total After Financial Aid
$104,832
Annual Cost
$26,208
Annual After Aid
$26,208
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $104,832 |
| Monthly Payment | $1,190 |
| Total Interest | $38,010 |
| Total Loan Cost | $142,842 |
Universities in Utica
| University | Type | Annual Tuition |
|---|---|---|
| Utica State University | Public | $10,476 |
| Utica Community College | Community | $5,954 |
Utica has 3 total colleges and universities. Tuition figures are approximate annual in-state rates for the 2025-2026 academic year.
Cost of Living in Utica vs. National Average
| Category | Utica | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $10,200 | $10,940 | -$740 |
| Monthly Rent Near Campus | $1,359 | $1,050 | +$309 |
| Cost of Living Index | 131.3 | 100 | +31.30000000000001 |
Utica's cost of living is above the national average. Students should budget accordingly and consider off-campus housing options to reduce expenses.
Student Life in Utica
Walk Score
Somewhat Walkable
Transit Score
Minimal Transit
Student Population
3,352 students
Utica has a total population of 62,235, with approximately 3,352 college students (5.4% of the population). While not primarily a college town, Utica offers students access to urban amenities, diverse employment opportunities, and a wide range of cultural experiences.
Post-Graduation Outlook in Utica
$45,613
Starting Salary
4.9%
Unemployment Rate
55%
Graduation Rate
~10 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in Utica earn a median starting salary of $45,613, which is $10,613 more per year than the average high school graduate salary of $35,000. At a 4-year public university cost of $104,832 (including room and board), it would take approximately 10 years of the salary premium to recoup the investment. With average financial aid of $8,717 per student per year, the net cost and payback period can be significantly reduced.
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