Cost of Living in Utica-Rome, NY

How far does a $70,000 salary go in Utica-Rome? Estimated income taxes on that gross salary total approximately $10,486 per year — combining federal taxes with New York's state income tax. Subtract rent for a 2-bedroom apartment ($1,172/month based on HUD Fair Market Rents for the Utica-Rome metro area) and the estimated annual take-home is $45,450, or roughly $3,788 per month for everything else: food, transportation, savings, and discretionary spending.

The Utica-Rome metro has a cost of living index of 67.5 according to the Bureau of Economic Analysis Regional Price Parities (national average = 100). At 33% below the national average, Utica-Rome is a genuinely affordable metro where everyday expenses stretch further than in most cities.

At a $70,000 salary, the estimated 2-bedroom rent in Utica-Rome represents approximately 20% of gross income. That falls comfortably below the 30% rent-burden guideline, a healthy position for building savings.