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Back in 2014, spending $500,000 on a house was generally reserved for high earners. The typical U.S. home sold for $159,000, while starter homes averaged just $101,000. Fast-forward to today, and prices have more than doubled: A home now sells for $440,000, with starter homes approaching $300,000. 

These current prices have put homeownership out of reach for many – and things don't look to be improving. Prices are still , affordability keeps dropping, and are becoming harder to find as home values . This has created a very sluggish and difficult housing market. In fact, even the usual busy spring and summer buying seasons were this year.

While $500,000 once stretched much further, in many cities today, it's not nearly enough. But what about Utica?

To find out, found listings near the $500,000 mark to see what types of homes you can actually afford in Utica right now. Listings below $500,000 were included if necessary.

528 Garden St, Little Falls, NY 13365
- Price: $495,000
- 6 bedrooms, 2.5 bathrooms
- Square feet: 4,260
- See 528 Garden St, Little Falls, NY 13365 on

3140 State Route 5S, Fort Plain, NY 13339
- Price: $449,999
- 5 bedrooms, 3 bathrooms
- Square feet: 3,245
- See 3140 State Route 5S, Fort Plain, NY 13339 on

6126 Lowell Rd, Rome, NY 13440
- Price: $499,000
- 5 bedrooms, 3 bathrooms
- Square feet: 3,100
- See 6126 Lowell Rd, Rome, NY 13440 on

8977 Turin Rd, Rome, NY 13440
- Price: $495,000
- 4 bedrooms, 3 bathrooms
- Square feet: 2,100
- See 8977 Turin Rd, Rome, NY 13440 on

173 St Marys Ave, Clinton, NY 13323
- Price: $489,900
- 4 bedrooms, 3 bathrooms
- Square feet: 2,021
- See 173 St Marys Ave, Clinton, NY 13323 on

2653 Edgewood Rd, Utica, NY 13501
- Price: $499,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,639
- See 2653 Edgewood Rd, Utica, NY 13501 on

77 Utica St, Clinton, NY 13323
- Price: $489,900
- 4 bedrooms, 2 bathrooms
- Square feet: 3,865
- See 77 Utica St, Clinton, NY 13323 on

10799 Cosby Manor Rd, Utica, NY 13502
- Price: $474,900
- 4 bedrooms, 2 bathrooms
- Square feet: 2,228
- See 10799 Cosby Manor Rd, Utica, NY 13502 on

4990 Heelpath Rd, Verona, NY 13478
- Price: $450,000
- 4 bedrooms, 1.5 bathrooms
- Square feet: 1,960
- See 4990 Heelpath Rd, Verona, NY 13478 on

7477 Rickmeyer Rd, Rome, NY 13440
- Price: $449,900
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,288
- See 7477 Rickmeyer Rd, Rome, NY 13440 on

573 Simpson Rd, Remsen, NY 13438
- Price: $499,900
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,172
- See 573 Simpson Rd, Remsen, NY 13438 on

54 Clintonview Blvd, New Hartford, NY 13413
- Price: $475,000
- 3 bedrooms, 2.5 bathrooms
- Square feet: 1,648
- See 54 Clintonview Blvd, New Hartford, NY 13413 on

1528 Military Rd, Little Falls, NY 13365
- Price: $499,000
- 3 bedrooms, 2 bathrooms
- Square feet: 2,850
- See 1528 Military Rd, Little Falls, NY 13365 on

9077 Kettle Hill Rd, Ava, NY 13303
- Price: $499,900
- 3 bedrooms, 2 bathrooms
- Square feet: 2,700
- See 9077 Kettle Hill Rd, Ava, NY 13303 on

6251 Meadow Dr, Rome, NY 13440
- Price: $479,900
- 3 bedrooms, 2 bathrooms
- Square feet: 1,800
- See 6251 Meadow Dr, Rome, NY 13440 on

216 S Charles St, Rome, NY 13440
- Price: $449,900
- 3 bedrooms, 2 bathrooms
- Square feet: 1,712
- See 216 S Charles St, Rome, NY 13440 on

215 Anken St, Rome, NY 13440
- Price: $449,900
- 3 bedrooms, 2 bathrooms
- Square feet: 1,712
- See 215 Anken St, Rome, NY 13440 on

253 Liam Ln, Rome, NY 13440
- Price: $469,900
- 3 bedrooms, 2 bathrooms
- Square feet: 1,600
- See 253 Liam Ln, Rome, NY 13440 on

106 Peet Dr, Marcy, NY 13403
- Price: $499,900
- 3 bedrooms, 2 bathrooms
- Square feet: 1,528
- See 106 Peet Dr, Marcy, NY 13403 on

9831 Steam Mill Rd, Camden, NY 13316
- Price: $479,900
- 3 bedrooms, 2 bathrooms
- Square feet: 1,503
- See 9831 Steam Mill Rd, Camden, NY 13316 on

3143 Mcconnellsville Rd, Blossvale, NY 13308
- Price: $475,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,440
- See 3143 Mcconnellsville Rd, Blossvale, NY 13308 on

6590 Fox Rd, Marcy, NY 13403
- Price: $450,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,358
- See 6590 Fox Rd, Marcy, NY 13403 on

9666 Mallory Rd, New Hartford, NY 13413
- Price: $450,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,350
- See 9666 Mallory Rd, New Hartford, NY 13413 on

146 Mohawk Dr W, Old Forge, NY 13420
- Price: $465,000
- 3 bedrooms, 1 bathroom
- Square feet: 1,188
- See 146 Mohawk Dr W, Old Forge, NY 13420 on

6610 Procrastination Dr, Ava, NY 13303
- Price: $489,900
- 3 bedrooms, 1 bathroom
- Square feet: 800
- See 6610 Procrastination Dr, Ava, NY 13303 on

5 Prospect St, Little Falls, NY 13365
- Price: $499,900
- 2 bedrooms, 2 bathrooms
- Square feet: 16,960
- See 5 Prospect St, Little Falls, NY 13365 on

9039 Woods Rd, Remsen, NY 13438
- Price: $485,000
- 2 bedrooms, 2 bathrooms
- Square feet: 1,792
- See 9039 Woods Rd, Remsen, NY 13438 on

1276 Grant Rd, Cold Brook, NY 13324
- Price: $494,900
- 2 bedrooms, 2 bathrooms
- Square feet: 1,150
- See 1276 Grant Rd, Cold Brook, NY 13324 on

156 S Shore Rd, Old Forge, NY 13420
- Price: $499,000
- 2 bedrooms, 1.5 bathrooms
- Square feet: 1,536
- See 156 S Shore Rd, Old Forge, NY 13420 on

2786 New York 80, Fort Plain, NY 13339
- Price: $449,990
- 2 bedrooms, 1 bathroom
- Square feet: 984
- See 2786 New York 80, Fort Plain, NY 13339 on