Real Estate Investing in Utica, Illinois

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 2,120 • LaSalle

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Should you buy in Utica, IL? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (73/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 15.8% of homes vacant — above national norms.

What’s happening in Utica, IL?

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3.0/ 5

Investability

Citywide average

4.0/ 5

Appreciation

7.9% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $272,038
Avg Monthly Rent $1,287
ZIP Codes 1

Investing in Utica Real Estate

Utica in Illinois is one of the markets where the numbers warn before they reward — 1 ZIPs, a sizable population, and a rating that reflects material risk.

clearly Utica's aggregate rating of ★★★☆☆ reflects muted investor metrics across the board — weak rent growth, weak appreciation, and rising-vacancy pressure in multiple ZIPs.

Rent trends and price trends in Utica are both soft, which is the uncomfortable combination that defines distressed-leaning markets in Illinois.

The 0% renter share in Utica masks uneven tenant quality across ZIPs, and $N/AK median income leaves little cushion against economic shocks.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

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Avg Home Value
$272,038
Avg Monthly Rent
$1,287
1% Rule
✗ Below
Landlord Friendly (IL)

ZIP Codes in Utica, IL

Screen every ZIP in Utica

Filter Utica’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Utica, IL

What do landlords charge for rent in Utica, IL?

Rent in Utica, IL is around $1,287/mo. The resulting rent-to-value relationship with $272K pricing is reasonable for most investor models.

What are home prices like in Utica, IL?

The median home value in Utica, IL is roughly $272K. That puts it reasonable relative to the IL statewide average.

Is Utica, IL a smart market for rental property?

The 3.0/5 investability rating in Utica, IL reflects its $272K prices and $1,287/mo rents. Investors generally consider it a solid option within IL.

Which real estate strategy fits Utica, IL?

The best-fit strategy in Utica, IL is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

How strict are landlord regulations in Utica, IL?

Utica, IL operates under IL law, which is landlord-friendly overall for landlords. Expect consistent treatment in typical lease and eviction cases.

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