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Milford village, NY

ZIP 13807 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13807

Median Home Value
$167,600
Median Rent
$713
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,077/mo PITI).

10%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.6 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 13807 in Milford village, NY, a household would need roughly $46,000 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 $1,077. That sits below the local median household income ($86,250), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 34% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.4%+26% vs US avg
x
Vacancy Rate
34.5%+235% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.7%-68% vs US avg
x
Mortgage-Free
42.3%+11% vs US avg
x
$167,600
Home Value
$713
Rent
1969
Year Built
2000
Moved In

Residents have lived here since ~2000 on average

Housing Structure

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

  • 1-unit detached66.9%
  • 1-unit attached0.7%
  • 2-9 units11.3%
  • 10+ units2.8%
  • Mobile home & other18.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$167,600
Median rent$713
Owner-occupied82.4%
Vacant34.5%
Price-to-income1.9x
Est. income to buy$46,000