Montgomery AL vs Utica NY — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Montgomery, AL
Alabama · Population: 198,440
- Median HH Income$55,687
- Median Home Price$151,721
- Unemployment6.5%
- Bachelor's+33.5%
Utica, NY
New York · Population: 51,054
- Median HH Income$57,688
- Median Home Price$205,924
- Unemployment9.4%
- Bachelor's+36.8%
Detailed Comparison
Demographics
Population
Montgomery
198,440
Montgomery +
Utica
51,054
Pop. Density / sq mi
Lower = more space
Montgomery
N/A
Utica
N/A
Median Age
Montgomery
36.2
Utica
33.0
Utica +
Foreign Born
Montgomery
5.5%
Utica
9.7%
Utica +
White
Montgomery
27.7%
Utica
64.8%
Utica +
Black
Montgomery
63.0%
Montgomery +
Utica
16.9%
Asian
Montgomery
3.3%
Utica
4.3%
Utica +
Hispanic
Montgomery
4.8%
Utica
9.8%
Utica +
Spanish at Home
Montgomery
N/A
Utica
N/A
| Metric | Montgomery, AL | Utica, NY | Better |
|---|---|---|---|
| Population | 198,440 | 51,054 | Montgomery + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 36.2 | 33.0 | Utica + |
| Foreign Born | 5.5% | 9.7% | Utica + |
| White | 27.7% | 64.8% | Utica + |
| Black | 63.0% | 16.9% | Montgomery + |
| Asian | 3.3% | 4.3% | Utica + |
| Hispanic | 4.8% | 9.8% | Utica + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Montgomery
$55,687
Utica
$57,688
Utica +
Per Capita Income
Montgomery
$32,068
Utica
$35,780
Utica +
Per Capita Personal Income (MSA)
BEA MSA-level
Montgomery
$51,690
Utica
$77,425
Utica +
Unemployment Rate
Montgomery
6.5%
Montgomery +
Utica
9.4%
Poverty Rate
Montgomery
20.9%
Montgomery +
Utica
23.8%
Bachelor's Degree+
Montgomery
33.5%
Utica
36.8%
Utica +
| Metric | Montgomery, AL | Utica, NY | Better |
|---|---|---|---|
| Median HH Income | $55,687 | $57,688 | Utica + |
| Per Capita Income | $32,068 | $35,780 | Utica + |
| Per Capita Personal Income (MSA)BEA MSA-level | $51,690 | $77,425 | Utica + |
| Unemployment Rate | 6.5% | 9.4% | Montgomery + |
| Poverty Rate | 20.9% | 23.8% | Montgomery + |
| Bachelor's Degree+ | 33.5% | 36.8% | Utica + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Montgomery
$151,721
Montgomery +
Utica
$205,924
Homeownership Rate
Montgomery
54.3%
Montgomery +
Utica
36.8%
| Metric | Montgomery, AL | Utica, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $151,721 | $205,924 | Montgomery + |
| Homeownership Rate | 54.3% | 36.8% | Montgomery + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Montgomery
400
Montgomery +
Utica
434
Property Crime / 100K
FBI CDE (state-level est.)
Montgomery
1734
Montgomery +
Utica
1736
| Metric | Montgomery, AL | Utica, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 400 | 434 | Montgomery + |
| Property Crime / 100KFBI CDE (state-level est.) | 1734 | 1736 | Montgomery + |
Health
Obesity Rate
CDC PLACES
Montgomery
46.4%
Utica
39.6%
Utica +
Diabetes Rate
CDC PLACES
Montgomery
16.7%
Utica
14.1%
Utica +
Poor Mental Health
CDC PLACES — 14+ days/month
Montgomery
17.6%
Montgomery +
Utica
19.4%
No Health Insurance
CDC PLACES
Montgomery
11.0%
Montgomery +
Utica
11.1%
Binge Drinking
CDC PLACES
Montgomery
12.4%
Montgomery +
Utica
15.2%
Current Smokers
CDC PLACES
Montgomery
15.3%
Montgomery +
Utica
18.7%
| Metric | Montgomery, AL | Utica, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 46.4% | 39.6% | Utica + |
| Diabetes RateCDC PLACES | 16.7% | 14.1% | Utica + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 17.6% | 19.4% | Montgomery + |
| No Health InsuranceCDC PLACES | 11.0% | 11.1% | Montgomery + |
| Binge DrinkingCDC PLACES | 12.4% | 15.2% | Montgomery + |
| Current SmokersCDC PLACES | 15.3% | 18.7% | Montgomery + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Montgomery
64.5°F
Utica
N/A
Annual Precipitation
NOAA 1991–2020 normal
Montgomery
52.8 in
Utica
N/A
| Metric | Montgomery, AL | Utica, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 64.5°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 52.8 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Montgomery
8.8 µg/m³
Utica
8.1 µg/m³
Utica +
Good Air Days
AQI ≤ 50
Montgomery
75.0%
Utica
75.0%
Tie
| Metric | Montgomery, AL | Utica, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.8 µg/m³ | 8.1 µg/m³ | Utica + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Montgomery
22.0 min
Montgomery +
Utica
22.7 min
| Metric | Montgomery, AL | Utica, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 22.0 min | 22.7 min | Montgomery + |
Which City is Right for You?
Utica leads in median household income at $57,688, while montgomery offers more affordable housing with a median home price of $151,721. On public safety, Montgomery is safer with a violent crime rate of 400 per 100,000 residents, compared to 434 in Utica. Montgomery has a lower unemployment rate at 6.5%, and Utica has cleaner air (PM2.5 avg 8.1 µg/m³). For overall health outcomes, Utica scores better with a lower obesity rate of 39.6%.
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