Forgivable loan
UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant
First-time homebuyers · Income limits · Single Family
Down payment assistance · Oneida County
Buying a home in Utica, NY
1 Utica program and 3 statewide.Utica has 1 program of its own, and 3 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Utica addresses
Utica’s own program
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Rome. See them 1 program in neighboring cities — for homes inside those cities, not Utica
- Rome — City of Rome Down Payment Assistance Program
The Utica marketThe Utica housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Utica
- 42.9% single-familysingle-family
- 2.4% townhousetownhouse
- 38.5% 2–4 units2–4 units
- 15.7% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
About condos. Utica’s one local program does not list condos as eligible. UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Utica’s homes were built
pre-19401970s2020+
86.8%
of Utica homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$98,500
County area median income, 4 people (HUD)HUD area median income, Oneida County, 4-person household (2026)
$52,484
Utica median household incomeMedian household income in Utica (Census, 2024)
10 of the 66 programs here set their income limit as a share of Oneida County’s area median income, adjusted for household size. See the published limits for Oneida County
Free help nearbyFree help near Utica
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Utica’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across New York and nationwide
65 statewide & federal programs3 statewide programs, plus federal options
Utica questions
Does Utica have its own down payment program?
Yes, one: UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant, a forgivable loan for first-time homebuyers (forgiven over 10 yrs, income limits). It is for homes inside Utica.
Can I use assistance on a condo in Utica?
Utica’s one local program does not list condos as eligible. UNHS HomeOwnershipCenter Oneida County Down Payment Assistance + Rehabilitation Grant lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Oneida County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Oneida County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Utica?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Utica. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
13501 · 13502 · 13503 · 13504 · 13505 · 13599
Nearby in Oneida
Sources
Sources: agency sites (July–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.