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Milton CDP, MA

ZIP 02186 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 02186

Median Home Value
$896,500
Median Rent
$1,375
Affordability Snapshot
$247,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,759/mo PITI).

9%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

54.3 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 02186 in Milton CDP, MA, a household would need roughly $247,000 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 $5,759. That is about 39% above the local median household income ($177,222), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
84.3%+29% vs US avg
x
Vacancy Rate
2.8%-73% vs US avg
x
Broadband Access
97.4%+12% vs US avg
x
4+ Bedrooms
12.8%-14% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
28.2%-26% vs US avg
x
$896,500
Home Value
$1,375
Rent
1945
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached75.0%
  • 1-unit attached4.8%
  • 2-9 units13.6%
  • 10+ units6.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$896,500
Median rent$1,375
Owner-occupied84.3%
Vacant2.8%
Price-to-income5.1x
Est. income to buy$247,000