Median Income
$63,750
15% lower than US avg
Home Value
$137,500
51% lower than US avg
Violent Crime
186/100K
51% lower than US avg
Bachelor's+
32.8%
3% lower than US avg
Median Rent
$825
29% lower than US avg
Obesity Rate
31.9%
1% lower than US avg
Unemployment
0.7%
81% lower than US avg
Poverty Rate
5.5%
56% lower than US avg
How Milford Compares to the U.S. Average (100% = U.S. avg)
People
Population467
Median Age48.7 yrs
Density1,112/mi²
Male / Female43% / 57%
Largest GroupWhite 83%
Veterans8.6%
Economy
A
Median Income$63,750
Per Capita$38,272
Unemployment0.7%
Poverty5.5%
County GDP$1,320M
Commute24 min
Housing
A+
Home Value$137,500
Rent$825
Ownership70.8%
Zillow$375,218
Housing Units257
Rent Burden30.0%
Crime
F
Violent186/100K
Property1,776/100K
Health
Obesity31.9%
Uninsured6.8%
Smoking14.3%
Depression21.9%
Heart Disease5.4%
Climate
Avg Temp43°F (6°C)
AQI36 (Good)
Rain47.6 in/yr
Sunny Days246/yr
Elevation1,212 ft (369 m)
Education
B+
Bachelor's+32.8%
High School+96.5%
Graduate+10.8%
School Score5.26
Community
2024 VoteR 65% / D 35%
Commute24 min
Broadband84.9%
EV Stations1
Libraries4
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 $63,750, 15% below the national average of $75,149. The job market is very strong with unemployment at just 0.7%. Only 5.5% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in Milford is $137,500, 51% below the national median / offering relatively affordable homeownership. Renters pay a median of $825 per month, below the national average / a plus for affordability. At just 2.2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Milford is below the national average at 186 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,776 per 100,000, near the national average.
Education
32.8% of residents hold a bachelor's degree, below the national average of 33.7%. 96.5% have completed high school. Area schools have an average test score of 5.3/10.
Climate & Weather
Milford has a cool climate with an average annual temperature of 43°F. Winters average 18°F in January while summers reach 66°F in July. The area gets 246 sunny days per year. Annual precipitation totals 47.6 inches, including 85.5 inches of snow. Air quality is rated Good with a median AQI of 36.
Milford has a population of 467 with a density of 1,112 people per square mile, spread across 0.4 square miles. The median age is 48.7 years, 25% older than the national median of 38.9. The gender split is 57.2% female and 42.8% male. The city is predominantly White (82.7%), with 1.5% Black. English is the primary language spoken at home by 94.8% of residents, while 5.2% speak Spanish. 8.6% of the population are veterans, above the national rate of 6.0%. 15.8% of residents have a disability (above the 13.0% national average). 93.7% have health insurance coverage.
Population
48.7yrs
Median Age
25% above US avg
Language Spoken at Home
English Only
94.8%
21% above US avg
Spanish
5.2%
61% below US avg
The median household income in Milford is $63,750, which is 15% below the national average of $75,149. Per capita income is $38,272. The average weekly wage is $1,050, 27% lower than the U.S. average. The unemployment rate is 0.7% (below the 3.6% US average). 5.5% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 710 business establishments, including 62 restaurants. The cost of living index is 107.9, slightly above the national baseline of 100. Workers commute an average of 24 minutes. 10.9% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $63,750 |
| 15% below US avg |
| Per Capita Income | $38,272 |
| Avg Weekly Wage | $1,050 |
| IRS Avg AGI | $67,256 |
| Gini Index | 0.427 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.7% |
| 81% below US avg |
| Poverty Rate | 5.5% |
| 56% below US avg |
| Establishments (County) | 710 |
| County GDP | $1,320M |
Business (County)
| Restaurants | 62 |
| Healthcare | 55 |
| Retail | 90 |
| Manufacturing | 30 |
Tax & Cost of Living
| Property Tax (IRS) | $7,238 |
| 107% above US avg |
| Cost of Living | 107.90 (100=avg) |
| Effective Tax Rate | 5.26% |
Commute & Transportation
| Commute Time | 23.5 min |
| Drive Alone | 83.5% |
| Public Transit | 0.0% |
| Work from Home | 10.9% |
The median home value in Milford is $137,500, 51% below the national median of $281,900. Zillow estimates the typical home value at $375,218, higher than the Census estimate. Monthly rent averages $825 (29% below the national average of $1,163). Fair market rent ranges from $1,315 for a one-bedroom to $1,579 for a two-bedroom apartment. 70.8% of housing units are owner-occupied. There are 257 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $7,238 (higher than the $3,500 national average). 30.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.2x, well within the affordable range.
Home Values
| Census Median | $137,500 |
| 51% below US avg |
| Zillow ZHVI | $375,218 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $825 |
| 29% below US avg |
| Rent Burden | 30.0% |
HUD Fair Market Rent
| Studio | $1,215 |
| 1 Bedroom | $1,315 |
| 2 Bedrooms | $1,579 |
| 3 Bedrooms | $1,976 |
| 4 Bedrooms | $2,193 |
Ownership & Property
| Homeownership | 70.8% |
| Owner-Occupied | 70.8% |
| Renter-Occupied | 29.2% |
| Housing Units | 257 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $7,238 |
| 107% above US avg |
| Effective Rate | 5.26% |
In Milford, 31.9% of adults are obese, below the national rate of 32.1%. 8.8% have diabetes (below the 10.5% national rate). Heart disease affects 5.4% of residents. 29.1% have high blood pressure. 14.3% are current smokers. 18.7% report binge drinking. 24.0% are physically inactive. 21.9% report depression. 18.5% experience frequent mental distress. 6.8% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:3,318. The dentist ratio is 1:3,006. 35.0% of residents have access to exercise opportunities. The food environment index is 8.7 out of 10.
Health Metrics: Milford vs U.S. Average (%)
Chronic Conditions
| Obesity | 31.9% |
| 1% below US avg |
| Diabetes | 8.8% |
| Heart Disease | 5.4% |
| High Blood Pressure | 29.1% |
| Asthma | 11.7% |
| COPD | 6.5% |
| Cancer | 7.6% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 14.3% |
| 2% above US avg |
| Binge Drinking | 18.7% |
| Physical Inactivity | 24.0% |
| Depression | 21.9% |
| Mental Distress | 18.5% |
| Physical Distress | 13.3% |
| Short Sleep | 38.3% |
Healthcare Access
| Insurance Rate | 93.7% |
| Uninsured | 6.8% |
| 21% below US avg |
| Primary Care | 1:3,318 |
| Dentists | 1:3,006 |
| Mental Health | 1:627 |
| Checkup Rate | 76.2% |
| Dental Visits | 62.3% |
| Premature Death | 7,415/100K |
Food & Exercise
| Food Environment | 8.7/10 |
| Exercise Access | 35.0% |
| Healthcare Facilities | 55 |
Milford has a violent crime rate of 186 per 100,000 residents, 51% below the national average of 380. Property crime stands at 1,776 per 100,000, 9% below the U.S. average. The county recorded 3 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 | 186.2/100K |
| 51% below US avg |
| |
Property Crime
| Total Property | 1,776.4/100K |
| 9% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Milford has a cool climate with an average annual temperature of 43°F (6°C). Winters average 18°F in January while summers reach 66°F in July. The area gets 246 sunny days per year, above the national average. Annual precipitation totals 47.6 inches (wetter than the 38-inch national average). The area receives 85.5 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 1,212 feet.
Temperature
18°F Jan (-8°C)
66°F Jul (19°C)
| Annual Average | 42.8°F |
| 21% below US avg |
| January Average | 18°F (-8°C) |
| July Average | 66°F (19°C) |
| Sunny Days | 246 days/yr |
Geography
| Elevation | 1,212 ft (369 m) |
| Area | 0.4 sq mi (1.1 km²) |
| Population Density | 1,112/sq mi |
| Coordinates | 42.5905°N, 74.9469°W |
| Timezone | America/New_York |
| County | Schoharie County County |
| Nearest Airport | Albert S Nader Regional (ONH)
8 miles away |
Precipitation & Snow
Annual Rainfall
47.6"
25% above US avg
Wettest Month (Jun)
4.09"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 41.4 / 100 |
| Social Vulnerability | 38.3 / 100 |
| Community Resilience | 75.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
16 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.0. Most recent: M3.1 on Mar 11, 2020.
| Jun 17, 1991 |
7 km NE of Worcester, New York |
M4.0 |
22 km |
| Jul 31, 1997 |
0 km WSW of Lyons Falls, New York |
M3.2 |
120 km |
| Dec 13, 2009 |
15 km N of Medusa, New York |
M3.2 |
69 km |
| Mar 11, 2020 |
0 km SSW of South Glens Falls, New York |
M3.1 |
132 km |
| Jul 24, 2007 |
12 km SSW of Altamont, New York |
M3.1 |
68 km |
| May 18, 2009 |
15 km N of Medusa, New York |
M3.1 |
68 km |
| Sep 29, 1994 |
13 km WNW of North Creek, New York |
M2.9 |
144 km |
| Oct 21, 2009 |
15 km N of Medusa, New York |
M2.9 |
69 km |
| Mar 22, 2009 |
9 km SW of Altamont, New York |
M2.8 |
68 km |
| Aug 27, 2011 |
5 km WSW of Altamont, New York |
M2.8 |
71 km |
| Aug 25, 2011 |
5 km WSW of Altamont, New York |
M2.7 |
71 km |
| Feb 18, 2009 |
15 km N of Medusa, New York |
M2.7 |
69 km |
| Feb 27, 2008 |
2 km SW of Central Bridge, New York |
M2.7 |
49 km |
| Feb 20, 2009 |
15 km SSW of Altamont, New York |
M2.7 |
70 km |
| Jul 24, 2007 |
13 km SSW of Altamont, New York |
M2.6 |
68 km |
| Dec 13, 2009 |
14 km N of Medusa, New York |
M2.6 |
69 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
1 hurricane (Cat 1+) within 500 km since 1980.
Strongest: Category 1. Most recent: Gloria (1985, Cat 1).
| Year |
Name |
Category |
Closest |
| 1985 |
Gloria |
Category 1 |
193 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
154 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 8 fatalities, 81 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 10, 1989 |
EF4 |
43 km |
0 |
| May 22, 2014 |
EF3 |
67 km |
0 |
| May 31, 1998 |
EF3 |
14 km |
0 |
| Jun 16, 1974 |
EF3 |
99 km |
0 |
| Jun 24, 1960 |
EF3 |
90 km |
0 |
| Jul 16, 2024 |
EF2 |
82 km |
0 |
| Apr 22, 2023 |
EF2 |
87 km |
0 |
| Jul 8, 2014 |
EF2 |
72 km |
4 |
| May 29, 2013 |
EF2 |
67 km |
0 |
| Apr 28, 2011 |
EF2 |
68 km |
0 |
| May 16, 2009 |
EF2 |
82 km |
0 |
| Jul 21, 2003 |
EF2 |
91 km |
0 |
| May 31, 1998 |
EF2 |
54 km |
0 |
| Jul 23, 1990 |
EF2 |
79 km |
0 |
| Oct 14, 1989 |
EF2 |
68 km |
2 |
| Oct 1, 1986 |
EF2 |
46 km |
0 |
| Sep 18, 1977 |
EF2 |
67 km |
0 |
| Jun 16, 1976 |
EF2 |
12 km |
0 |
| Jun 9, 1972 |
EF2 |
95 km |
0 |
| May 9, 1961 |
EF2 |
89 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
2 wildfires (100+ acres) within 100 km.
Largest: CHERRYTOWN FIRE (943 ac, 2006).
| Year |
Name |
Acres |
Distance |
| 2006 |
CHERRYTOWN FIRE |
943 |
95 km |
| 2024 |
WHITEHOUSE |
607 |
87 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
18°F (-8°C) |
2.8 in |
Coldest |
| February |
21°F (-6°C) |
2.3 in |
Driest |
| March |
31°F (-1°C) |
3.2 in |
|
| April |
42°F (6°C) |
3.5 in |
|
| May |
54°F (12°C) |
3.9 in |
|
| June |
62°F (17°C) |
4.1 in |
Wettest |
| July |
66°F (19°C) |
3.9 in |
Warmest |
| August |
65°F (18°C) |
3.7 in |
|
| September |
58°F (14°C) |
3.8 in |
|
| October |
47°F (8°C) |
3.3 in |
|
| November |
37°F (3°C) |
3.5 in |
|
| December |
25°F (-4°C) |
3.1 in |
|
Milford has a seasonal temperature swing of 47°F / from 18°F in January to 66°F in July. Total annual precipitation is 41.0 inches, with June being the wettest month (4.1") and February the driest (2.3").
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) |
$270 ($162–$432) |
| Specialist Visit |
$378 ($216–$593) |
| Urgent Care Visit |
$216 ($108–$378) |
| Emergency Room Visit |
$2,374 ($863–$5,395) |
| Dental Cleaning |
$140 ($81–$216) |
| Dental Filling |
$270 ($162–$432) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$49 ($27–$81) |
| Oil Change (Synthetic) |
$81 ($54–$129) |
| Brake Pad Replacement |
$324 ($162–$540) |
| Tire Rotation |
$43 ($22–$81) |
| New Tires (Set of 4) |
$647 ($432–$1,079) |
| Battery Replacement |
$216 ($108–$378) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$108 ($65–$162) |
| Electrician (Per Hour) |
$97 ($54–$151) |
| HVAC Repair |
$432 ($162–$863) |
| HVAC System Install |
$7,553 ($4,316–$12,948) |
| Roof Repair |
$1,079 ($432–$2,158) |
| Roof Replacement |
$9,711 ($5,935–$16,185) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,619 ($540–$3,777) |
| Divorce (Contested) |
$16,185 ($5,395–$32,370) |
| DUI Defense |
$5,395 ($2,158–$10,790) |
| Bankruptcy (Chapter 7) |
$1,619 ($863–$3,237) |
| Will Preparation |
$540 ($216–$1,079) |
| Trust Preparation |
$2,698 ($1,079–$5,395) |
View all 12 services
Personal Care
| Men's Haircut |
$27 ($16–$49) |
| Women's Haircut |
$59 ($32–$108) |
| Hair Coloring (Full) |
$162 ($81–$270) |
| Manicure |
$27 ($16–$49) |
| Pedicure |
$43 ($27–$70) |
| Massage (1 Hour) |
$86 ($54–$140) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.42 ($3.24–$5.93) |
| Dozen Eggs (per dozen) |
$3.78 ($2.70–$5.40) |
| Loaf of Bread |
$4.10 ($2.70–$5.93) |
| Chicken Breast (per lb) |
$4.86 ($3.24–$7.01) |
| Ground Beef (per lb) |
$5.93 ($4.32–$8.09) |
| Rice (per lb) |
$1.08 ($0.65–$1.94) |
View all 20 services
Utilities
| Electricity (Monthly) |
$151 ($86–$270) |
| Natural Gas (Monthly) |
$76 ($32–$162) |
| Water/Sewer (Monthly) |
$76 ($43–$129) |
| Internet (Monthly) |
$76 ($43–$108) |
| Cell Phone Plan (Monthly) |
$70 ($32–$108) |
| Cable TV (Monthly) |
$92 ($54–$162) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$216 ($81–$540) |
| Car Insurance (Annual) |
$2,158 ($1,295–$3,777) |
| Bus Pass (Monthly) |
$76 ($32–$140) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.63–$27) |
| Car Registration (Annual) |
$108 ($32–$270) |
| Driver's License Renewal |
$32 ($16–$81) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,295 ($647–$2,698) |
| Daycare (Toddler, Monthly) |
$1,079 ($540–$2,158) |
| After-School Care (Monthly) |
$432 ($216–$755) |
| Tutoring (Per Hour) |
$54 ($27–$108) |
| SAT/ACT Prep Course |
$1,079 ($432–$2,698) |
| Private School (K-12, Annual) |
$13,488 ($5,395–$32,370) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$65 ($32–$108) |
| Dog Vaccination (Annual) |
$108 ($54–$216) |
| Dog Grooming |
$65 ($32–$108) |
| Pet Boarding (Per Night) |
$43 ($22–$81) |
| Dog Spay/Neuter |
$324 ($162–$540) |
| Cat Spay/Neuter |
$216 ($108–$432) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,070 |
| Toddler | $996 |
| Preschool | $866 |
| Family Childcare (monthly) |
| Infant | $823 |
| Toddler | $779 |
| Preschool | $758 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Milford
What is the population of Milford?
Milford has a population of 467 residents and is located in New York. The population density is 1,112 people per square mile, spread across 0.4 square miles. The median age of residents is 48.7 years, which is older than the national median of 38.9 years. The population is 57.2% female and 42.8% male.
Is Milford expensive to live in?
Milford is slightly more expensive than average, with a cost of living index of 107.9 compared to the national baseline of 100. The median household income is $63,750, 15% below the national average of $75,149. The median home value is $137,500 (51% below the U.S. median). Renters pay a median of $825 per month, below the national average of $1,163. The home price-to-income ratio is 2.2x, 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 186 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,776 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 cool climate with an average annual temperature of 43°F (6°C). Winter temperatures average 18°F in January, while summers reach an average of 66°F in July. The area receives 246 sunny days per year. Annual rainfall totals 47.6 inches, with 85.5 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Milford?
The job market in Milford is very strong, with unemployment at just 0.7% / well below the national rate of 3.6%. The average weekly wage is $1,050. There are 710 business establishments in the area, including 62 restaurants and food service locations. The average commute time is 24 minutes, and 10.9% of workers work from home.
How much does housing cost in Milford?
The median home value in Milford is $137,500. Zillow estimates the typical home value at $375,218. For renters, the median monthly rent is $825. Fair market rent is $1,315 for a 1-bedroom and $1,579 for a 2-bedroom apartment. The homeownership rate is 70.8%. The average annual property tax is $7,238.
How are the schools in Milford?
Schools in Milford score 5.3 out of 10 on standardized testing, near the national average. 32.8% of adults in Milford hold a bachelor's degree or higher, below the national average of 33.7%. 96.5% have completed high school. 10.8% hold a graduate or professional degree.
How healthy is Milford?
The obesity rate in Milford is 31.9% (below the national rate of 32.1%). 14.3% of adults are smokers. 24.0% are physically inactive. 21.9% of residents report depression. 6.8% lack health insurance (below the national rate). 35.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,318.
What is transportation like in Milford?
The average commute in Milford is 24 minutes, shorter than the national average of 28 minutes. 83.5% of workers drive alone to work, and 10.9% work from home.
What are the demographics of Milford?
The racial and ethnic makeup of Milford is 82.7% White, 1.5% Black or African American. 94.8% of residents speak only English at home, while 5.2% speak Spanish. 8.6% of the population are military veterans. 15.8% of residents have a disability. 93.7% have health insurance coverage.
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