Compare Today’s Refinance Rates for Utica, New York 13505

Local Refinance Rates in Utica, New York 13505

Utica is a city in the Mohawk Valley and the county seat of Oneida County, New York, United States. The tenth-most-populous city in New York State, its population was 65,283 in the 2020 U.S. Census. Read more

Utica is a city in the Mohawk Valley and the county seat of Oneida County, New York, United States. The tenth-most-populous city in New York State, its population was 65,283 in the 2020 U.S. Census. Located on the Mohawk River at the foot of the Adirondack Mountains, it is approximately 95 mi west-northwest of Albany, 55 mi east of Syracuse and 240 mi northwest of New York City. Utica and the nearby city of Rome anchor the Utica–Rome Metropolitan Statistical Area comprising all of Oneida and Herkimer Counties.

Formerly a river settlement inhabited by the Mohawk Nation of the Iroquois Confederacy, Utica attracted European-American settlers from New England during and after the American Revolution. In the 19th century, immigrants strengthened its position as a layover city between Albany and Syracuse on the Erie and Chenango Canals and the New York Central Railroad. During the 19th and 20th centuries, the city's infrastructure contributed to its success as a manufacturing center and defined its role as a worldwide hub for the textile industry. Utica's 20th-century political corruption and organized crime gave it the nickname "Sin City".Like other Rust Belt cities, Utica underwent an economic downturn throughout the mid-20th century. The downturn consisted of industrial decline due to offshoring and the closure of textile mills, population loss caused by the relocation of jobs and businesses to suburbs and to Syracuse, and poverty associated with socioeconomic stress and a depressed tax base. With its low cost of living, the city has become a melting pot for refugees from war-torn countries around the world, encouraging growth for its colleges and universities, cultural institutions and economy. Read less