Median Income
$52,014
31% lower than US avg
Home Value
$135,300
52% lower than US avg
Violent Crime
263/100K
31% lower than US avg
Bachelor's+
7.0%
79% lower than US avg
Median Rent
$1,038
11% lower than US avg
Obesity Rate
39.0%
21% higher than US avg
Unemployment
0.5%
86% lower than US avg
Poverty Rate
1.6%
87% lower than US avg
How Milford Compares to the U.S. Average (100% = U.S. avg)
People
Population1,955
Median Age37.2 yrs
Density16,292/mi²
Male / Female49% / 51%
Largest GroupWhite 84%
Veterans81.0%
Economy
A
Median Income$52,014
Per Capita$25,697
Unemployment0.5%
Poverty1.6%
County GDP$1,895M
Commute25 min
Housing
A+
Home Value$135,300
Rent$1,038
Ownership81.5%
Zillow$269,631
Housing Units39
Rent Burden20.8%
Crime
F
Violent263/100K
Property644/100K
Health
Obesity39.0%
Uninsured11.9%
Smoking18.5%
Depression26.9%
Heart Disease5.7%
Climate
Avg Temp54°F (12°C)
AQI41 (Good)
Rain47.3 in/yr
Sunny Days293/yr
Elevation843 ft (257 m)
Education
D
Bachelor's+7.0%
High School+77.8%
Graduate+0.0%
School Score6.34
Community
2024 VoteR 78% / D 20%
Commute25 min
Broadband48.0%
EV Stations12
Libraries3
Is Milford a Good Place to Live?
Based on current data, Milford receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, high obesity rates. Milford has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Milford is $52,014, 31% below the national average of $75,149. The job market is very strong with unemployment at just 0.5%. Only 1.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in Milford is $135,300, 52% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,038 per month, below the national average / a plus for affordability. At just 2.6x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Milford is below the national average at 263 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 644 per 100,000, 67% below the national average.
Education
7.0% of residents hold a bachelor's degree, below the national average of 33.7%. 77.8% have completed high school. Local schools score 6.3/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Milford experiences four distinct seasons with an average temperature of 54°F. Winters average 30°F in January while summers reach 76°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 47.3 inches, including 16.3 inches of snow. Air quality is rated Good with a median AQI of 41.
Milford has a population of 1,955 with a density of 16,292 people per square mile, spread across 0.1 square miles. The median age is 37.2 years, 4% younger than the national median of 38.9. The gender split is 50.7% female and 49.3% male. The city is predominantly White (84%), with 1.1% Hispanic. English is the primary language spoken at home by 100% of residents. 81.0% of the population are veterans, above the national rate of 6.0%. 13.4% of residents have a disability. 100.0% have health insurance coverage.
Population
37.2yrs
Median Age
4% below US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Milford is $52,014, which is 31% below the national average of $75,149. Per capita income is $25,697 (below the $39,052 national figure). The average weekly wage is $1,117, 22% lower than the U.S. average. The unemployment rate is 0.5% (below the 3.6% US average). 1.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 707 business establishments, including 57 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 25 minutes. 0.4% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $52,014 |
| 31% below US avg |
| Per Capita Income | $25,697 |
| Avg Weekly Wage | $1,117 |
| IRS Avg AGI | $63,563 |
| Gini Index | 0.417 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.5% |
| 86% below US avg |
| Poverty Rate | 1.6% |
| 87% below US avg |
| Establishments (County) | 707 |
| County GDP | $1,895M |
Business (County)
| Restaurants | 57 |
| Healthcare | 69 |
| Retail | 113 |
| Manufacturing | 47 |
Tax & Cost of Living
| Property Tax (IRS) | $2,903 |
| 17% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 2.15% |
Commute & Transportation
| Commute Time | 25.2 min |
| Drive Alone | 0.0% |
| Public Transit | 0.0% |
| Work from Home | 0.4% |
The median home value in Milford is $135,300, 52% below the national median of $281,900. Zillow estimates the typical home value at $269,631, higher than the Census estimate. Homes sell for 100.8% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $1,038 (11% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 81.5% of housing units are owner-occupied (above the 65.4% national rate). There are 39 total housing units in the city. The median year a home was built is 1955. The average annual property tax is $2,903 (lower than the $3,500 national average). 20.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.6x, well within the affordable range.
Home Values
| Census Median | $135,300 |
| 52% below US avg |
| Zillow ZHVI | $269,631 |
| Median List Price | $267,400 |
Real Estate Market (Redfin)
| Median List Price | $267,400 |
| $/Sq Ft | $151 |
| Homes Sold | 3 |
| Sale-to-List Ratio | 100.8% |
| Price Drops | 0.0% |
| Inventory | 8 |
Rental Costs
| Census Median Rent | $1,038 |
| 11% below US avg |
| Rent Burden | 20.8% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 81.5% |
| Owner-Occupied | 81.5% |
| Renter-Occupied | 18.5% |
| Housing Units | 39 |
| Median Year Built | 1955 |
Property Tax
| Avg Tax (IRS) | $2,903 |
| 17% below US avg |
| Effective Rate | 2.15% |
In Milford, 39.0% of adults are obese, above the national rate of 32.1%. 11.1% have diabetes. Heart disease affects 5.7% of residents. 34.8% have high blood pressure. 18.5% are current smokers (above the 14.0% national rate). 18.2% report binge drinking. 28.5% are physically inactive. 26.9% report depression (above the 20.0% national average). 19.8% experience frequent mental distress. 11.9% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,645. The dentist ratio is 1:2,642. 55.1% of residents have access to exercise opportunities. The food environment index is 8.2 out of 10.
Health Metrics: Milford vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.0% |
| 21% above US avg |
| Diabetes | 11.1% |
| Heart Disease | 5.7% |
| High Blood Pressure | 34.8% |
| Asthma | 11.6% |
| COPD | 7.6% |
| Cancer | 7.0% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 18.5% |
| 32% above US avg |
| Binge Drinking | 18.2% |
| Physical Inactivity | 28.5% |
| Depression | 26.9% |
| Mental Distress | 19.8% |
| Physical Distress | 14.4% |
| Short Sleep | 36.4% |
Healthcare Access
| Insurance Rate | 100.0% |
| Uninsured | 11.9% |
| 38% above US avg |
| Primary Care | 1:1,645 |
| Dentists | 1:2,642 |
| Mental Health | 1:2,200 |
| Checkup Rate | 75.6% |
| Dental Visits | 60.7% |
| Premature Death | 10,091/100K |
Food & Exercise
| Food Environment | 8.2/10 |
| Exercise Access | 55.1% |
| Healthcare Facilities | 69 |
Milford has a violent crime rate of 263 per 100,000 residents, 31% below the national average of 380. Property crime stands at 644 per 100,000, 67% below the U.S. average. The county recorded 6 fatal traffic crashes. Overall, Milford receives a safety grade of F.
Crime Rates: Milford vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 262.7/100K |
| 31% below US avg |
| |
Property Crime
| Total Property | 644.1/100K |
| 67% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Traffic Accidents | 8 |
| Avg Accident Severity | 3.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Milford experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 30°F in January while summers reach 76°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 47.3 inches (wetter than the 38-inch national average). The area receives 16.3 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 843 feet.
Temperature
30°F Jan (-1°C)
76°F Jul (24°C)
| Annual Average | 54.1°F |
| 0% below US avg |
| January Average | 30°F (-1°C) |
| July Average | 76°F (24°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 843 ft (257 m) |
| Area | 0.1 sq mi (0.3 km²) |
| Population Density | 16,292/sq mi |
| Coordinates | 39.3504°N, 85.6197°W |
| Timezone | America/Indiana/Indianapolis |
| County | Decatur County County |
| Nearest Airport | Indianapolis International (IND)
44 miles away |
Precipitation & Snow
Annual Rainfall
47.3"
25% above US avg
Wettest Month (May)
4.72"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 23.1 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 78.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
9 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M3.8 on Sep 12, 2004.
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
148 km |
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
29 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
91 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
107 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
146 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
140 km |
| Mar 9, 1990 |
8 km ENE of New Amsterdam, Indiana |
M2.7 |
143 km |
| Mar 21, 1990 |
1 km W of Spring Mill, Kentucky |
M2.7 |
134 km |
| Jan 29, 1990 |
11 km S of Paoli, Indiana |
M2.6 |
124 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
561 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 42 fatalities, 1,563 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
77 km |
3 |
| Jun 11, 1998 |
EF4 |
56 km |
0 |
| Nov 22, 1992 |
EF4 |
96 km |
1 |
| Jun 2, 1990 |
EF4 |
62 km |
0 |
| Jun 2, 1990 |
EF4 |
80 km |
0 |
| Jul 9, 1980 |
EF4 |
32 km |
2 |
| Apr 3, 1974 |
EF4 |
71 km |
0 |
| Apr 3, 1974 |
EF4 |
83 km |
1 |
| Apr 3, 1974 |
EF4 |
45 km |
0 |
| Apr 3, 1974 |
EF4 |
26 km |
4 |
| Apr 3, 1974 |
EF4 |
90 km |
11 |
| Apr 3, 1974 |
EF4 |
100 km |
2 |
| May 14, 1972 |
EF4 |
61 km |
0 |
| Apr 25, 1961 |
EF4 |
30 km |
0 |
| Mar 31, 2023 |
EF3 |
47 km |
0 |
| Mar 31, 2023 |
EF3 |
96 km |
2 |
| Mar 2, 2012 |
EF3 |
37 km |
3 |
| May 25, 2011 |
EF3 |
84 km |
0 |
| Jun 3, 2008 |
EF3 |
13 km |
1 |
| Oct 18, 2007 |
EF3 |
98 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: JPG 09 1 (6,113 ac, 1998).
| Year |
Name |
Acres |
Distance |
| 1998 |
JPG 09 1 |
6,113 |
55 km |
| 2005 |
RX BURNPLAN AREA 2-06 |
5,054 |
56 km |
| 2007 |
UNITS 8-9 2008 |
4,316 |
57 km |
| 2006 |
UNIT 19 06 WUI |
3,412 |
58 km |
| 2003 |
WUI 3 03 |
3,372 |
45 km |
| 2010 |
WUI UNIT 28K |
3,230 |
43 km |
| 1999 |
UNNAMED |
3,122 |
45 km |
| 2002 |
UNIT 8 |
2,753 |
57 km |
| 2005 |
UNIT 3 05 |
2,511 |
45 km |
| 2001 |
01 UNIT 16 |
2,361 |
57 km |
| 2011 |
WUI UNITS 0 AND 1 2011 |
2,215 |
57 km |
| 2004 |
UNIT 19 |
2,004 |
58 km |
| 2003 |
UNIT 8 03 |
1,971 |
54 km |
| 2008 |
FY 09 UNIT 42 RX FALL 2008 |
1,942 |
50 km |
| 2000 |
JPG 14 |
1,908 |
57 km |
| 2003 |
UNIT 16 03 |
1,809 |
58 km |
| 2021 |
UNNAMED |
1,547 |
61 km |
| 2002 |
UNIT 9 |
1,485 |
57 km |
| 1995 |
UNNAMED |
1,462 |
51 km |
| 2010 |
TRACER |
1,408 |
43 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
30°F (-1°C) |
2.4 in |
Coldest, Driest |
| February |
30°F (-1°C) |
2.4 in |
|
| March |
41°F (5°C) |
3.7 in |
|
| April |
51°F (11°C) |
4.1 in |
|
| May |
62°F (17°C) |
4.7 in |
Wettest |
| June |
71°F (21°C) |
3.7 in |
|
| July |
76°F (24°C) |
4.4 in |
Warmest |
| August |
72°F (22°C) |
3.8 in |
|
| September |
66°F (19°C) |
2.9 in |
|
| October |
54°F (12°C) |
2.9 in |
|
| November |
43°F (6°C) |
3.6 in |
|
| December |
32°F (0°C) |
3.2 in |
|
Milford has a seasonal temperature swing of 46°F / from 30°F in January to 76°F in July. Total annual precipitation is 41.8 inches, with May being the wettest month (4.7") and January the driest (2.4").
Average costs for common services in Milford. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Frequently Asked Questions About Milford
What is the population of Milford?
Milford has a population of 1,955 residents and is located in Indiana. The population density is 16,292 people per square mile, spread across 0.1 square miles. The median age of residents is 37.2 years. The population is 50.7% female and 49.3% male.
Is Milford expensive to live in?
Milford is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $52,014, 31% below the national average of $75,149. The median home value is $135,300 (52% below the U.S. median). Renters pay a median of $1,038 per month, below the national average of $1,163. The home price-to-income ratio is 2.6x, indicating housing is reasonably affordable relative to local income levels.
Is Milford safe?
Milford is safer than the national average, with a violent crime rate of 263 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 644 per 100,000 (below the national average). Overall, Milford receives a safety grade of F based on combined crime data.
What is the weather like in Milford?
Milford has a four-season climate with an average annual temperature of 54°F (12°C). Winter temperatures average 30°F in January, while summers reach an average of 76°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 47.3 inches, with 16.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Milford?
The job market in Milford is very strong, with unemployment at just 0.5% / well below the national rate of 3.6%. The average weekly wage is $1,117. There are 707 business establishments in the area, including 57 restaurants and food service locations. The average commute time is 25 minutes, and 0.4% of workers work from home.
How much does housing cost in Milford?
The median home value in Milford is $135,300. Zillow estimates the typical home value at $269,631. For renters, the median monthly rent is $1,038. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 81.5%. The average annual property tax is $2,903.
How are the schools in Milford?
Schools in Milford score 6.3 out of 10 on standardized testing, near the national average. 7.0% of adults in Milford hold a bachelor's degree or higher, below the national average of 33.7%. 77.8% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Milford?
The obesity rate in Milford is 39.0% (above the national rate of 32.1%). 18.5% of adults are smokers. 28.5% are physically inactive. 26.9% of residents report depression. 11.9% lack health insurance (above the national rate). 55.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,645.
What is transportation like in Milford?
The average commute in Milford is 25 minutes. 0% of workers drive alone to work, and 0.4% work from home.
What are the demographics of Milford?
The racial and ethnic makeup of Milford is 84% White, 1.1% Hispanic or Latino. 100% of residents speak only English at home. 81.0% of the population are military veterans. 13.4% of residents have a disability. 100.0% have health insurance coverage.
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