Born in Utica, New York, on October 10, 1853 to William and Sarah P. (Howard) Metcalf. He attended the Utica public schools, Utica Free Academy, and Russell's Military Institute at New Haven, Connecticut. In 1872, he entered Yale College where he was a member of the Delta Kappa Epsilon fraternity (Phi chapter); he left in his junior year to attend Yale Law School. He graduated in 1876 and was admitted to the Connecticut bar. In 1877, he continued his legal education at Hamilton College, and was admitted to the New York bar. He practiced in Utica in 1877, and then moved to Oakland, California in 1879. His law practice in California handled real property and commercial cases.