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Single Family ResidenceResidential
$165,695$71 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

638 RUTGER ST

UTICA, NY 13501
3
Beds
1
Baths
2,337 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.1 ac
Lot SizeThe size of the land the home sits on, from county records.
1935
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$166K
$147K low$184K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,853 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$43,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$39,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$43,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$117,300

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyONEIDA
Lot (acres)The size of the land the home sits on, from county records.0.10
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 115 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Roscoe Conkling Elementary SchoolD-
Elementary · Grades KG–6 · 0.2 mi
H
Thomas R Proctor High SchoolC-
High · Grades 9–12 · 0.9 mi
M
John F Kennedy Middle SchoolC+
Middle · Grades 7–8 · 2.1 mi

District: Utica City School District

Neighborhood · ZIP 13501These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.26%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.39,660
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.4,507 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,176
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$67,901
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

638 Rutger St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 80% of homes in Cornhill
  • Costs less per square foot than 94% of homes in Oneida County
  • Bigger than 83% of homes in Oneida County
  • Has a smaller lot than 91% of homes in Oneida County
  • Newer than 87% of homes in Cornhill

What homes are worth in Utica 13501

Each bar is how many homes fall in that price range. The marker is this home.

This home
$72K$455K

This home is worth more than 33% of homes in Utica 13501.

How it measures up in Utica 13501

The dot is this home. The mark in the middle is the typical home in Utica 13501.

Estimated value$165,695
CheaperTypical $197,721Pricier

Pricier than 33% of homes nearby

Price per ft²$71
CheaperTypical $129Pricier

Pricier than 11% of homes nearby

Living area2,337 ft²
SmallerTypical 1,940 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.1 ac
SmallerTypical 0.13 acBigger

Bigger than 23% of homes nearby

Year built1935
OlderTypical 1925Newer

Newer than 67% of homes nearby

How 638 Rutger St ranks against every home in each area.
MeasureThis homeCornhillUtica 13501Oneida County
Estimated valuepricier than$165,69580% of homes33% of homes23% of homes
Price per ft²pricier than$7136% of homes11% of homes6% of homes
Living areabigger than2,337 ft²57% of homes68% of homes83% of homes
Lot sizebigger than0.1 ac39% of homes23% of homes9% of homes
Year builtnewer than193587% of homes67% of homes37% of homes

About 638 Rutger St

How much is 638 Rutger St, Utica, NY worth?

The TopHap Estimate for 638 Rutger St, Utica, NY is $165,695 as of Sep 24, 2026. The likely range is $147,392 to $183,998. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 638 Rutger St, Utica, NY last sell?

638 Rutger St, Utica, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 638 Rutger St, Utica, NY?

638 Rutger St, Utica, NY has 3 bedrooms, 1 bathrooms, 2,337 square feet of living space and a 0.10-acre lot.

When was 638 Rutger St, Utica, NY built?

638 Rutger St, Utica, NY was built in 1935, making it 91 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 638 Rutger St, Utica, NY?

638 Rutger St, Utica, NY is assigned to Roscoe Conkling Elementary School (elementary), rated D-; Thomas R Proctor High School (high), rated C-; John F Kennedy Middle School (middle), rated C+. All sit in Utica City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 638 Rutger St, Utica, NY compare to other homes in Utica 13501?

Among the 9,229 homes in Utica 13501, it is worth more than 33% of them ($165,695 against a typical $197,721), its price per square foot is higher than 11% of them ($71 against a typical $129), it is bigger than 68% of them (2,337 ft² against a typical 1,940 ft²), its lot is bigger than 23% of them (0.1 ac against a typical 0.13 ac) and it is newer than 67% of them (1935 against a typical 1925). Measured against all of Oneida County, it is worth more than 23% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 638 Rutger St, Utica, NY?

The 2026 property tax bill for 638 Rutger St, Utica, NY was $1,853. The county assessed it at $43,400.

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