Utica Homes under $400,000

Utica Homes under $400,000

Welcome to Utica, New York—a city rich in history, culture, and community spirit! Nestled in the heart of Oneida County, Utica boasts a unique blend of urban amenities and natural beauty, making it an ideal place to call home. With its charming neighborhoods, diverse population, and vibrant arts scene, Utica is a hidden gem in the Empire State.

For those seeking affordable housing options, Utica has a remarkable selection of homes available for under $400,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, you’ll find a variety of properties that cater to different lifestyles and preferences. From quaint bungalows to spacious family homes, the real estate market in Utica offers something for everyone.

Living in Utica means enjoying the best of both worlds: the convenience of city life with easy access to outdoor activities. Explore the scenic beauty of nearby parks, such as the lush Utica Marsh Wildlife Management Area or the stunning Roscoe Conkling Park, perfect for hiking, picnicking, and soaking in nature. Additionally, the city is known for its rich culinary scene, featuring a delightful array of restaurants that celebrate its multicultural heritage.

With a strong sense of community and a low cost of living, Utica is not just a place to live; it’s a place to thrive. Discover your dream home today in this charming city, where affordability meets opportunity, and start building your future in Utica, NY!

Newest Utica Homes under $400,000

1113 Leeds Street, Utica
$164,900
4 Beds ⋅ 1 Baths ⋅ S1719529 MLS
This 1050 sqft 2-story 13501 home is the perfect combination of price, location, and upgrades. Home features a flexible floorplan with 3-4 bedrooms, large upgraded kitchen, new 1st floor bathroom and primary bedroom. From the added office space, laundry room, and enclosed porches, ever inch on space has been maximized for use. Large enclosed porch for the shoes and coats. Upgraded furnace, new lighting, new flooring, and many new windows throughout. Large driveway with plenty of parking. Unique backyard sits on a double lot with a park-like setting feel. Ton's of features for the price range. Why over pay for rent when you can be a Homeowner???

1113 Leeds Street, Utica
1206 Kiniry Street, Utica
$212,000
2 Beds ⋅ 1 Baths ⋅ S1718522 MLS
Are you searching for your first home or hoping to downsize to single-level living? This East Utica ranch could be the perfect fit. It features two bedrooms and one bathroom, and sits on a quiet dead-end street. The kitchen floor was updated in 2021, along with a new refrigerator and gas range. The garage has been turned into a family room, ideal for kids, music, or workouts. The basement offers lots of storage and extra space. The large backyard has been recently graded and seeded. You’ll have quick access to 5S for easy commuting, and you’re just minutes from downtown Utica’s dining and shopping.

1206 Kiniry Street, Utica
1021 George Place, Utica
$179,000
5 Beds ⋅ 2 Baths ⋅ S1719202 MLS
Welcome to this recently updated East Utica home, featuring 5 bedrooms and 1.5 bathrooms. Recent improvements include new vinyl siding, laminate flooring, and fresh paint throughout. The home offers a spacious kitchen, generously sized bedrooms, and a nice backyard with room to relax, entertain, or enjoy outdoor activities. A great opportunity for homeowners seeking space and comfort in a convenient East Utica location!

1021 George Place, Utica
1906 Baker Avenue, Utica
$269,900
3 Beds ⋅ 2 Baths ⋅ S1718534 MLS
FULLY RENTED TWO-UNIT INVESTMENT OPPORTUNITY OR OWNER OCCUPANT! These two units offer 3 bedrooms, each featuring generous room sizes, comfortable living spaces, and convenient laundry hook ups. Ample off-street parking adds to the appeal for tenants, while the existing tenants provide immediate rental income. A great opportunity for investors looking to add to their portfolio or an owner occupant seeking additional rental income. Don't miss this excellent income producing property!

1906 Baker Avenue, Utica
2022 Baker Avenue, Utica
$289,900
4 Beds ⋅ 2 Baths ⋅ S1718548 MLS
FANTASTIC MULTI UNIT OPPORTUNITY! Each unit offers two bedrooms, hardwood floors, an inviting living space, laundry hookups for added convenience and a garage for storage or parking. Step outside and enjoy the bonus of a beautiful Inground Pool. A rare feature for a multi-unit. Whether you're looking to expand your investment portfolio or live in one unit while generating rental income from the other, this property offers flexibility, updates and excellent potential. A wonderful opportunity for investors or owner occupants.

2022 Baker Avenue, Utica
10 Andes Avenue, Utica
$99,900
4 Beds ⋅ 3 Baths ⋅ S1718953 MLS
Great 3 unit investment opportunity to add 3 more to your rental portfolio or a profitable start to your rental income business. Property is in need of updates and repairs, main roof done in 2024 & porch roofs in 2021. Features large eat-in kitchens & a full privacy fenced-in back yard. Cash transaction buyers don't wait to see how this multiunit can add to your assets

10 Andes Avenue, Utica
209 Hartford Place, Utica
$249,900
4 Beds ⋅ 2 Baths ⋅ S1718270 MLS
Blending original woodwork and timeless charm with modern conveniences, this inviting South Utica bungalow offers warmth, character, and plenty of space to call home. Beautiful hardwood floors flow throughout the home, including the giant oversized living room featuring a cozy fireplace, perfect for relaxing or entertaining. A formal dining room adds classic appeal, while four bedrooms and 1.5 baths provide comfortable living space. Outside, enjoy a private, fully fenced backyard—ideal for gatherings, gardening, or simply unwinding. A convenient two-stall garage provides plenty of parking and storage. Located in a convenient South Utica neighborhood, this charming bungalow is full of character and ready to welcome you home!

209 Hartford Place, Utica
461 Roseclair Avenue, Utica
$324,900
3 Beds ⋅ 3 Baths ⋅ S1718258 MLS
Welcome to this spacious raised ranch in a quiet North Utica neighborhood, offering three bedrooms, two full bathrooms, and a half bath on the lower level. It offers 2,060 square feet of living space, including the finished lower level. Inviting living spaces provide plenty of room to gather, relax, and entertain. The kitchen, updated in 2019, features granite countertops and a tile backsplash, while the primary suite includes a bathroom beautifully updated in 2023. The bright family room features a vaulted wood ceiling and skylights, with new flooring and Pella windows with built-in screens added during its 2025 remodel. Step outside onto the large back deck, where covered and open areas create a welcoming setting for summer dinners, morning coffee, and entertaining. The finished lower level adds flexible space for recreation, hobbies, or a comfortable retreat. A two-stall attached garage provides everyday convenience, while the Bosch boiler installed in 2021 offers four zones of heating. Additional improvements include luxury vinyl flooring in 2022, a wall A/C unit in 2023, and new ceiling fans in all three bedrooms and a new dining room light in 2026. With generous living space, thoughtful updates, and inviting outdoor areas, this home is ready for its next chapter!

461 Roseclair Avenue, Utica
1828 Rutger Street, Utica
$275,000
3 Beds ⋅ 2 Baths ⋅ S1718628 MLS
Welcome to this charming East Utica bungalow, proudly maintained and full of character! Featuring 3 bedrooms, 1.5 bathrooms, and gleaming hardwood floors throughout, this inviting home offers a wonderful blend of comfort and timeless appeal. The updated kitchen showcases beautiful granite countertops, while the newer roof, approximately 3 years old, adds peace of mind. Enjoy the newly built front porch, a spacious 2-car garage, and a truly special backyard retreat. The beautifully landscaped yard features apple and pear trees, grapevines, a greenhouse, and a gorgeous newly built gazebo complete with a fireplace—perfect for relaxing or entertaining. Ideally located directly across from Proctor Park, this home offers a unique opportunity to enjoy both neighborhood charm and outdoor recreation right at your doorstep!

1828 Rutger Street, Utica
22 Prospect Street, Utica
$299,999
4 Beds ⋅ 3 Baths ⋅ S1717791 MLS
Were you dreaming of a beautiful new home for the Holidays? Act quickly and this home could be your dream come true! This beautiful 2300+ sq ft home, located in South Utica and convenient to everything will check off so many of your boxes. Featuring 4 bedrooms (including a primary suite with a full bath) and a second full bathroom upstairs. There is also a half bath located downstairs on the first floor. The beautiful kitchen was just remodeled 3 years ago with gorgeous granite countertops and so much space to prepare you favorite holiday meals attached to a dining room for entertaining. A real wood burning fireplace in the living room for cozy winter nights and a bonus room for whatever your heart desires! (currently being used as a sewing/craft room but the possibilities are endless). was a first floor laundry room on you wishlist? You've got it! Schedule your own private showing soon and fall in love with this beauty!

22 Prospect Street, Utica
22 Fairfax Place, Utica
$179,900
3 Beds ⋅ 2 Baths ⋅ S1711755 MLS
Welcome to 22 Fairfax Pl., a charming traditional home in a desirable South Utica location. This inviting three bedroom, one and a half bath home offers timeless character along with comfortable living space. The main level features beautiful hardwood flooring throughout and an open-concept layout that creates an easy flow between the living and dining areas. An enclosed back porch provides additional space for relaxing or entertaining, while the large covered front porch welcomes you home and adds to the property’s classic appeal. Outside, enjoy a large backyard with plenty of room for outdoor activities, gardening, or entertaining. Conveniently located near shopping, dining, schools, and major roadways, this home is a wonderful opportunity in South Utica!

22 Fairfax Place, Utica
723 Mary Street, Utica
$59,000
3 Beds ⋅ 1 Baths ⋅ S1715815 MLS
Affordable East Utica home offering 3 bedrooms and 1 full bath, with a first-floor bedroom, bathroom, and laundry for added convenience. Features include a private backyard with patio area, front parking pad, and several recent updates, including a new roof (2022), circuit breakers (2024), range hood and programmable thermostat (2025). All appliances are included except the microwave. A great opportunity for a first-time buyer, investor, or anyone looking to make a home their own.

723 Mary Street, Utica
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