Median Income
$80,997
8% higher than US avg
Home Value
$225,200
20% lower than US avg
Violent Crime
84/100K
78% lower than US avg
Bachelor's+
28.0%
17% lower than US avg
Median Rent
$892
23% lower than US avg
Obesity Rate
36.1%
12% higher than US avg
Unemployment
0.2%
94% lower than US avg
Poverty Rate
3.6%
71% lower than US avg
How Milford Compares to the U.S. Average (100% = U.S. avg)
People
Population2,656
Median Age31.3 yrs
Density3,362/mi²
Male / Female54% / 47%
Largest GroupWhite 94%
Veterans7.4%
Economy
A+
Median Income$80,997
Per Capita$34,662
Unemployment0.2%
Poverty3.6%
County GDP$1,090M
Commute20 min
Housing
A+
Home Value$225,200
Rent$892
Ownership64.7%
Zillow$300,872
Housing Units973
Rent Burden19.9%
Crime
F
Violent84/100K
Property1,118/100K
Health
Obesity36.1%
Uninsured8.1%
Smoking14.4%
Depression19.4%
Heart Disease5.1%
Climate
Avg Temp50°F (10°C)
AQI32 (Good)
Rain28.7 in/yr
Sunny Days308/yr
Elevation1,468 ft (447 m)
Education
B
Bachelor's+28.0%
High School+93.7%
Graduate+7.4%
School Score6.52
Community
2024 VoteR 73% / D 26%
Commute20 min
Broadband89.9%
EV Stations3
Libraries3
Is Milford a Good Place to Live?
Based on current data, Milford receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Milford offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Milford is $80,997, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 0.2%. Only 3.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 20 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Milford is $225,200, 20% below the national median / offering relatively affordable homeownership. Renters pay a median of $892 per month, below the national average / a plus for affordability. At just 2.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Milford is a very safe community with a violent crime rate of 84 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,118 per 100,000, 43% below the national average.
Education
28.0% of residents hold a bachelor's degree, below the national average of 33.7%. 93.7% have completed high school. Local schools score 6.5/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Milford experiences four distinct seasons with an average temperature of 50°F. Winters average 23°F in January while summers reach 75°F in July. With 308 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 28.7 inches, including 21.5 inches of snow. Air quality is rated Good with a median AQI of 32.
Milford has a population of 2,656 with a density of 3,362 people per square mile, spread across 0.8 square miles. The median age is 31.3 years, 20% younger than the national median of 38.9. The gender split is 46.5% female and 53.5% male. The city is predominantly White (94.3%), with 1.3% Hispanic, 1.6% Black. English is the primary language spoken at home by 95.5% of residents. 7.4% of the population are veterans, above the national rate of 6.0%. 7.8% of residents have a disability (below the 13.0% national average). 95.5% have health insurance coverage.
Population
31.3yrs
Median Age
20% below US avg
Language Spoken at Home
English Only
95.5%
22% above US avg
Spanish
4.5%
66% below US avg
The median household income in Milford is $80,997, which is 8% above the national average of $75,149. Per capita income is $34,662 (below the $39,052 national figure). The average weekly wage is $995, 31% lower than the U.S. average. The unemployment rate is 0.2% (below the 3.6% US average). 3.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 516 business establishments, including 40 restaurants. The cost of living index is 90.1, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 6.5% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $80,997 |
| 8% above US avg |
| Per Capita Income | $34,662 |
| Avg Weekly Wage | $995 |
| IRS Avg AGI | $87,858 |
| Gini Index | 0.374 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.2% |
| 94% below US avg |
| Poverty Rate | 3.6% |
| 71% below US avg |
| Establishments (County) | 516 |
| County GDP | $1,090M |
Business (County)
| Restaurants | 40 |
| Healthcare | 40 |
| Retail | 46 |
| Manufacturing | 20 |
Tax & Cost of Living
| Property Tax (IRS) | $5,158 |
| 47% above US avg |
| Cost of Living | 90.10 (100=avg) |
| Effective Tax Rate | 2.29% |
Commute & Transportation
| Commute Time | 19.7 min |
| Drive Alone | 79.9% |
| Public Transit | 0.0% |
| Work from Home | 6.5% |
The median home value in Milford is $225,200, 20% below the national median of $281,900. Zillow estimates the typical home value at $300,872, higher than the Census estimate. Homes sell for 102.9% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $892 (23% below the national average of $1,163). Fair market rent ranges from $791 for a one-bedroom to $1,001 for a two-bedroom apartment. 64.7% of housing units are owner-occupied. There are 973 total housing units in the city. The median year a home was built is 1969. The average annual property tax is $5,158 (higher than the $3,500 national average). 19.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.8x, well within the affordable range.
Home Values
| Census Median | $225,200 |
| 20% below US avg |
| Zillow ZHVI | $300,872 |
| Median List Price | $275,000 |
Real Estate Market (Redfin)
| Median List Price | $275,000 |
| $/Sq Ft | $108 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 102.9% |
| Price Drops | 0.0% |
Rental Costs
| Census Median Rent | $892 |
| 23% below US avg |
| Rent Burden | 19.9% |
HUD Fair Market Rent
| Studio | $706 |
| 1 Bedroom | $791 |
| 2 Bedrooms | $1,001 |
| 3 Bedrooms | $1,274 |
| 4 Bedrooms | $1,409 |
Ownership & Property
| Homeownership | 64.7% |
| Owner-Occupied | 64.7% |
| Renter-Occupied | 35.3% |
| Housing Units | 973 |
| Median Year Built | 1969 |
Property Tax
| Avg Tax (IRS) | $5,158 |
| 47% above US avg |
| Effective Rate | 2.29% |
In Milford, 36.1% of adults are obese, above the national rate of 32.1%. 8.6% have diabetes (below the 10.5% national rate). Heart disease affects 5.1% of residents. 29.5% have high blood pressure. 14.4% are current smokers. 22.5% report binge drinking. 24.0% are physically inactive. 19.4% report depression. 15.0% experience frequent mental distress. 8.1% of residents lack health insurance. The primary care physician ratio is 1:1,600. The dentist ratio is 1:2,211. 62.6% 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 | 36.1% |
| 12% above US avg |
| Diabetes | 8.6% |
| Heart Disease | 5.1% |
| High Blood Pressure | 29.5% |
| Asthma | 9.4% |
| COPD | 5.6% |
| Cancer | 7.4% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 14.4% |
| 3% above US avg |
| Binge Drinking | 22.5% |
| Physical Inactivity | 24.0% |
| Depression | 19.4% |
| Mental Distress | 15.0% |
| Physical Distress | 11.3% |
| Short Sleep | 31.0% |
Healthcare Access
| Insurance Rate | 95.5% |
| Uninsured | 8.1% |
| 6% below US avg |
| Primary Care | 1:1,600 |
| Dentists | 1:2,211 |
| Mental Health | 1:631 |
| Checkup Rate | 71.9% |
| Dental Visits | 64.9% |
| Premature Death | 5,490/100K |
Food & Exercise
| Food Environment | 8.2/10 |
| Exercise Access | 62.6% |
| Healthcare Facilities | 40 |
Milford has a violent crime rate of 84 per 100,000 residents, 78% below the national average of 380. Property crime stands at 1,118 per 100,000, 43% 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 | 83.9/100K |
| 78% below US avg |
| |
Property Crime
| Total Property | 1,118.1/100K |
| 43% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Traffic Accidents | 16 |
| Avg Accident Severity | 2.4 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Milford experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 23°F in January while summers reach 75°F in July. The area gets 308 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 28.7 inches (drier than the 38-inch national average). The area receives 21.5 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 32. The city sits at an elevation of 1,468 feet.
Temperature
23°F Jan (-5°C)
75°F Jul (24°C)
| Annual Average | 50.0°F |
| 7% below US avg |
| January Average | 23°F (-5°C) |
| July Average | 75°F (24°C) |
| Sunny Days | 308 days/yr |
Geography
| Elevation | 1,468 ft (447 m) |
| Area | 0.8 sq mi (2.0 km²) |
| Population Density | 3,362/sq mi |
| Coordinates | 40.7726°N, 97.0541°W |
| Timezone | America/Chicago |
| County | Seward County County |
| Nearest Airport | Lincoln (LNK)
16 miles away |
Precipitation & Snow
Annual Rainfall
28.7"
25% below US avg
Wettest Month (May)
4.53"
Air Quality
| AQI Median | 32.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 24.9 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 88.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
No Rating |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Very Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively Moderate |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
55 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.6 on Mar 26, 2025.
| Jul 17, 2022 |
8 km WSW of Superior, Nebraska |
M3.8 |
128 km |
| Jun 12, 2017 |
8 km NNE of Jewell, Kansas |
M3.7 |
146 km |
| Jun 12, 2017 |
5 km SE of Mankato, Kansas |
M3.7 |
148 km |
| May 6, 2021 |
5 km S of Formoso, Kansas |
M3.6 |
141 km |
| Dec 17, 2009 |
2 km NW of Auburn, Nebraska |
M3.6 |
109 km |
| Jun 13, 2017 |
6 km SE of Mankato, Kansas |
M3.6 |
148 km |
| Jul 16, 2004 |
6 km SSE of Riverton, Iowa |
M3.5 |
128 km |
| May 21, 2017 |
7 km ESE of Mankato, Kansas |
M3.4 |
146 km |
| Apr 4, 2017 |
3 km SSE of Mankato, Kansas |
M3.4 |
148 km |
| Jul 26, 2022 |
8 km WSW of Superior, Nebraska |
M3.4 |
129 km |
| Sep 18, 2023 |
Nebraska |
M3.4 |
127 km |
| Aug 9, 1997 |
9 km NW of Clarkson, Nebraska |
M3.4 |
114 km |
| Jan 9, 2013 |
5 km SE of Formoso, Kansas |
M3.3 |
137 km |
| Apr 7, 2017 |
7 km ESE of Mankato, Kansas |
M3.3 |
146 km |
| Jun 12, 2017 |
6 km N of Jewell, Kansas |
M3.2 |
148 km |
| Apr 7, 2017 |
5 km SE of Mankato, Kansas |
M3.2 |
148 km |
| May 6, 2021 |
2 km S of Formoso, Kansas |
M3.1 |
138 km |
| Apr 6, 2017 |
6 km SE of Mankato, Kansas |
M3.0 |
148 km |
| Jun 3, 2017 |
4 km SE of Mankato, Kansas |
M3.0 |
147 km |
| Feb 8, 2020 |
3 km W of Burr Oak, Kansas |
M3.0 |
149 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
730 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 13 fatalities, 419 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 26, 2024 |
EF4 |
77 km |
0 |
| May 22, 2004 |
EF4 |
56 km |
1 |
| Jun 13, 2001 |
EF4 |
9 km |
0 |
| Apr 7, 1978 |
EF4 |
55 km |
0 |
| May 6, 1975 |
EF4 |
94 km |
3 |
| Apr 25, 1957 |
EF4 |
49 km |
1 |
| Aug 13, 1952 |
EF4 |
64 km |
0 |
| Apr 26, 2024 |
EF3 |
38 km |
0 |
| May 11, 2014 |
EF3 |
35 km |
0 |
| May 11, 2014 |
EF3 |
95 km |
0 |
| Jun 20, 2011 |
EF3 |
65 km |
0 |
| Oct 9, 2001 |
EF3 |
76 km |
0 |
| Sep 22, 2001 |
EF3 |
86 km |
0 |
| Jul 24, 1993 |
EF3 |
53 km |
0 |
| Jun 15, 1992 |
EF3 |
9 km |
0 |
| Jun 15, 1992 |
EF3 |
40 km |
0 |
| Apr 26, 1991 |
EF3 |
58 km |
0 |
| Apr 26, 1991 |
EF3 |
92 km |
0 |
| Mar 13, 1990 |
EF3 |
96 km |
0 |
| Mar 13, 1990 |
EF3 |
72 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
2 wildfires (100+ acres) within 100 km.
Largest: ROCK CREEK (1,433 ac, 2023).
| Year |
Name |
Acres |
Distance |
| 2023 |
ROCK CREEK |
1,433 |
76 km |
| 1991 |
UNNAMED |
1,296 |
94 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
23°F (-5°C) |
0.6 in |
Coldest, Driest |
| February |
29°F (-2°C) |
0.6 in |
|
| March |
40°F (4°C) |
2.1 in |
|
| April |
51°F (11°C) |
2.7 in |
|
| May |
62°F (17°C) |
4.5 in |
Wettest |
| June |
72°F (22°C) |
3.9 in |
|
| July |
75°F (24°C) |
3.3 in |
Warmest |
| August |
74°F (24°C) |
3.3 in |
|
| September |
66°F (19°C) |
3.2 in |
|
| October |
53°F (12°C) |
2.1 in |
|
| November |
38°F (3°C) |
1.4 in |
|
| December |
27°F (-3°C) |
0.8 in |
|
Milford has a seasonal temperature swing of 53°F / from 23°F in January to 75°F in July. Total annual precipitation is 28.6 inches, with May being the wettest month (4.5") and January the driest (0.6").
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) |
$225 ($135–$360) |
| Specialist Visit |
$315 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$315) |
| Emergency Room Visit |
$1,982 ($721–$4,505) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$225 ($135–$360) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$270 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($360–$901) |
| Battery Replacement |
$180 ($90–$315) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$360 ($135–$721) |
| HVAC System Install |
$6,307 ($3,604–$10,812) |
| Roof Repair |
$901 ($360–$1,802) |
| Roof Replacement |
$8,109 ($4,956–$13,515) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,352 ($451–$3,154) |
| Divorce (Contested) |
$13,515 ($4,505–$27,030) |
| DUI Defense |
$4,505 ($1,802–$9,010) |
| Bankruptcy (Chapter 7) |
$1,352 ($721–$2,703) |
| Will Preparation |
$451 ($180–$901) |
| Trust Preparation |
$2,253 ($901–$4,505) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$225) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.69 ($2.70–$4.96) |
| Dozen Eggs (per dozen) |
$3.15 ($2.25–$4.51) |
| Loaf of Bread |
$3.42 ($2.25–$4.96) |
| Chicken Breast (per lb) |
$4.05 ($2.70–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.60–$6.76) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$225) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,802 ($1,081–$3,154) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.21–$23) |
| Car Registration (Annual) |
$90 ($27–$225) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,081 ($541–$2,253) |
| Daycare (Toddler, Monthly) |
$901 ($451–$1,802) |
| After-School Care (Monthly) |
$360 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$901 ($360–$2,253) |
| Private School (K-12, Annual) |
$11,263 ($4,505–$27,030) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$270 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$360) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $811 |
| Toddler | $769 |
| Preschool | $704 |
| Family Childcare (monthly) |
| Infant | $465 |
| Toddler | $487 |
| Preschool | $498 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Milford
What is the population of Milford?
Milford has a population of 2,656 residents and is located in Nebraska. The population density is 3,362 people per square mile, spread across 0.8 square miles. The median age of residents is 31.3 years, which is younger than the national median of 38.9 years. The population is 46.5% female and 53.5% male.
Is Milford expensive to live in?
Milford is more affordable than the national average, with a cost of living index of 90.1 / below the baseline of 100. The median household income is $80,997, 8% above the national average of $75,149. The median home value is $225,200 (20% below the U.S. median). Renters pay a median of $892 per month, below the national average of $1,163. The home price-to-income ratio is 2.8x, indicating housing is reasonably affordable relative to local income levels.
Is Milford safe?
Milford is considered a very safe city with a violent crime rate of 84 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,118 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 50°F (10°C). Winter temperatures average 23°F in January, while summers reach an average of 75°F in July. The area receives 308 sunny days per year, well above the national average of 205. Annual rainfall totals 28.7 inches, with 21.5 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 32.
How is the job market in Milford?
The job market in Milford is very strong, with unemployment at just 0.2% / well below the national rate of 3.6%. The average weekly wage is $995. There are 516 business establishments in the area, including 40 restaurants and food service locations. The average commute time is 20 minutes, and 6.5% of workers work from home.
How much does housing cost in Milford?
The median home value in Milford is $225,200. Zillow estimates the typical home value at $300,872. For renters, the median monthly rent is $892. Fair market rent is $791 for a 1-bedroom and $1,001 for a 2-bedroom apartment. The homeownership rate is 64.7%. The average annual property tax is $5,158.
How are the schools in Milford?
Schools in Milford score 6.5 out of 10 on standardized testing, near the national average. 28.0% of adults in Milford hold a bachelor's degree or higher, below the national average of 33.7%. 93.7% have completed high school. 7.4% hold a graduate or professional degree.
How healthy is Milford?
The obesity rate in Milford is 36.1% (above the national rate of 32.1%). 14.4% of adults are smokers. 24.0% are physically inactive. 19.4% of residents report depression. 8.1% lack health insurance. 62.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,600.
What is transportation like in Milford?
The average commute in Milford is 20 minutes, shorter than the national average of 28 minutes. 79.9% of workers drive alone to work, and 6.5% work from home.
What are the demographics of Milford?
The racial and ethnic makeup of Milford is 94.3% White, 1.6% Black or African American, 1.3% Hispanic or Latino. 95.5% of residents speak only English at home, while 4.5% speak Spanish. 7.4% of the population are military veterans. 7.8% of residents have a disability. 95.5% have health insurance coverage.
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