CCertihomes
1309 Thorn Street, Utica, NY 13502

$105,000

3 beds 1 baths 960 sqft Built 192014 days on marketActive

About this home

This affordable bungalow is a solid canvas for first-time buyers or investors. With its classic layout featuring formal rooms and a functional basement, the house begs for cosmetic updates—think fresh paint, refinished floors, and modern kitchen/bath upgrades. It sits well below local comparable, offering strong upside potential.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$1,520/mo

Real estate (PITI + HOA + PMI)
$1,030
Principal + interest$674
Property tax + insurance$317
PMI / 2nd mortgage$39
Utilities
$875
Heating + cooling$288
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$1,520/mo TLC
Budget$5,000/mo
Remaining after TLC$3,480/mo
Purchase price
$105,000
Down payment
$5,250 (5%)
Loan amount
$99,750
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Bungalow
Year built
1920
Lot size
0.0918 ac
Stories
1
Heating
Gas, ForcedAir
Cooling
Water
Connected, Public
HOA
Annual tax
$2,194
MLS #
S1614341
County
Oneida

At a glance

Basement

Home features

Appliances
GasWaterHeaterSeeRemarksTanklessWaterHeater
Interior
SeparateFormalDiningRoomSeparateFormalLivingRoomBedroomOnMainLevel
Exterior
GravelDriveway
Parking
NoGarage
Flooring
Hardwood, Varies
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13502

MetricThis ZIPCountyUSA
Population29,02519,351,094299,088,112
Population Change Since1990-17.00%8.00%20.00%
Population Density609395
Male13,8339,381,926147,432,321
Female15,1919,969,168151,655,844
Never Married7,9864,946,39163,775,926
Married10,1677,166,701123,120,365
Separated1,6221,159,67312,639,686
Widowed2,4011,110,24515,467,586
Divorced2,1801,210,44823,075,029
Number Of House Hold11,5857,102,016111,826,380
Average House Hold Size2.352.642.60
Medial Age38.1036.5335.46
Median House Hold Income$32,508$49,847$48,276
Average House Hold Income$40,951$70,032$63,629
P C I$17,157$26,569$24,529
M D I$28,880$42,210$41,133
A T H E$38,331$54,185$50,898
S T R9.00%4.00%
W C J81.13%81.55%77.74%
(Zip) Code
13502

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 6/13/2025. Provided courtesy of Miner Realty & Prop Management via Buffalo MLS. Information deemed reliable but not guaranteed.