CCertihomes
939 Jay Street, Utica, NY 13501

$109,900

4 beds 2 baths 1,796 sqft Built 18904 days on marketActive

About this home

Nestled in the heart of Utica, this cozy four-bedroom, two full bath home offers the perfect blend of city convenience and comfortable living. Situated near the bus line, commuting and accessing all that Utica has to offer is a breeze. Step inside and discover a spacious layout ideal for families or those who love to entertain. With four well-proportioned bedrooms, there's plenty of room for everyone. The two full bathrooms ensure morning routines are stress-free. Enjoy year-round comfort with the added benefit of central air conditioning and two covered front porches which offer outdoor living space and add to the home's curb appeal. Once a two family home, it is possible to convert back to a comfortable two family. Come and see this one today.

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
$1,838/mo

Real estate (PITI + HOA + PMI)
$1,120
Principal + interest$705
Property tax + insurance$374
PMI / 2nd mortgage$41
Utilities
$1,335
Heating + cooling$518
Internet + TV + phone$133
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$133
$1,838/mo TLC
Budget$5,000/mo
Remaining after TLC$3,162/mo
Purchase price
$109,900
Down payment
$5,495 (5%)
Loan amount
$104,405
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
HistoricAntique, TwoStory
Year built
1890
Lot size
0.0628 ac
Stories
2
Heating
Gas, ForcedAir
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$2,403
MLS #
S1624567
County
Oneida

At a glance

Air conditioning
Basement

Home features

Appliances
DryerDishwasherGasOvenGasRangeGasWaterHeaterMicrowaveRefrigeratorWasher
Interior
EatInKitchenBedroomOnMainLevel
Exterior
BlacktopDrivewayBalcony
Parking
NoGarage
Flooring
Carpet, Varies, Vinyl
Roof
RolledHotMop
Sewer
Connected

Lot features

Rectangular, RectangularLot, ResidentialLot

Neighborhood — 13501

MetricThis ZIPCountyUSA
Population34,02319,351,094299,088,112
Population Change Since1990-16.00%8.00%20.00%
Population Density3,886395
Male16,0739,381,926147,432,321
Female17,9509,969,168151,655,844
Never Married9,1824,946,39163,775,926
Married10,9627,166,701123,120,365
Separated1,8791,159,67312,639,686
Widowed3,3331,110,24515,467,586
Divorced2,2481,210,44823,075,029
Number Of House Hold13,1277,102,016111,826,380
Average House Hold Size2.462.642.60
Medial Age37.6036.5335.46
Median House Hold Income$26,836$49,847$48,276
Average House Hold Income$41,657$70,032$63,629
P C I$17,125$26,569$24,529
M D I$24,413$42,210$41,133
A T H E$38,505$54,185$50,898
S T R9.00%4.00%
W C J81.89%81.55%77.74%
(Zip) Code
13501

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

Map & walkability

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Listing information last refreshed 7/23/2025. Provided courtesy of Hunt Real Estate ERA via Buffalo MLS. Information deemed reliable but not guaranteed.