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Milton CDP, NY

ZIP 12547 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 12547

Median Home Value
$384,300
Median Rent
$1,578
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,469/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 12547 in Milton CDP, NY, a household would need roughly $106,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,469. That is about 21% above the local median household income ($87,727), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
70.1%+7% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
8.4%-43% vs US avg
x
Built Pre-1939
1.6%-87% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
10.9%-78% vs US avg
x
Mortgage-Free
49.1%+29% vs US avg
x
$384,300
Home Value
$1,578
Rent
1988
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached78.3%
  • 1-unit attached1.8%
  • 2-9 units2.7%
  • 10+ units8.3%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$384,300
Median rent$1,578
Owner-occupied70.1%
Vacant7.5%
Price-to-income4.4x
Est. income to buy$106,000