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City · 14,783 residents · Santa Rosa County, Florida

East Milton , Florida

In East Milton, a typical home is worth $212,900 and typical rent is $1,157 a month. Compared with all of Santa Rosa County, the typical home value is 35% lower, typical household income is 29% lower, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $212,900

    35% below the county

    41% below Florida

    • East Milton
    • Santa Rosa
    • Florida

  • Typical rent

    $1,157a month

    25% below the county

    31% below Florida

    • East Milton
    • Santa Rosa
    • Florida

  • Typical household income

    $64,904a year

    29% below the county

    13% below Florida

    • East Milton
    • Santa Rosa
    • Florida

  • Households that own their home

    86%

    5 points above the county

    18 points above Florida

    • East Milton
    • Santa Rosa
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

East Milton is in Santa Rosa County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Santa Rosa County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets East Milton apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in East Milton is worth $212,900, 35% less than in Santa Rosa County as a whole ($329,800).

  2. The typical household income in East Milton is $64,904, 29% less than in Santa Rosa County as a whole ($91,922).

  3. The typical rent in East Milton is $1,157 a month, 25% less than in Santa Rosa County as a whole ($1,544).

  4. 86% of households in East Milton own their home, against 81% in Santa Rosa County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in East Milton

What homes there are in East Milton, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in East Milton (59%), but less so than in Santa Rosa County (80%).

There are more mobile homes here than in Santa Rosa County: 39% of homes, against 8%.

Year built

The typical year built in East Milton is 1997, about the same as in Santa Rosa County (1998).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

With an FHA limit of $541,287, at least 92% of owner-occupied homes in East Milton sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,434 a month

Santa Rosa County: $1,855 a month

Without a mortgage

$335 a month

Santa Rosa County: $555 a month

Owners with a mortgage

50%

Santa Rosa County: 63%

In East Milton, 50% of owners have a mortgage, and their typical cost is $1,434 a month, against $1,855 in Santa Rosa County. Without one it drops to $335.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in East Milton gained value faster than in Santa Rosa County: 83% against 66%.

Rent in East Milton moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEast MiltonSanta Rosa CountyFloridaUnited States
Rental vacancy Unreliable estimate3.9%7.6%5.5%
Homeowner vacancy Unreliable estimate1.1%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 2.732.672.512.53
Drive alone 77%76%70%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 9%13%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Santa Rosa County, a household in East Milton has 2.73 people on average.

To get to work, 77% of workers in East Milton drive alone; in Santa Rosa County, 76%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in East Milton?

A typical home is tight for the typical income

We start with a typical home in East Milton, worth $212,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in East Milton, which is $64,904 a year. For that payment to be 28% of income, a household would need to earn about $71,266 a year.

The calculator's FHA and conventional loan limits are those of all of Santa Rosa County.

Your numbers

Local data
$

Starts at the typical home value in East Milton. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,452 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,663

at 7.18% · 30 years

Loan amount
$209,043
Total interest
$300,764
Paid off in
November 2056

Includes $3,595 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,514 a month

  • Tight

    $1,514 to $1,947 a month

    Your payment · 31%

  • Hard

    more than $1,947 a month

Compared with the typical household income in East Milton ($64,904 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,663
Principal & interest$1,416
Property tax$64
Home insurance$89
FHA mortgage insurance (MIP)$94

You need at least $7,452 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

East Milton and Santa Rosa County

East Milton is in Santa Rosa County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

East Milton's own numbers

Typical home value
$212,900
Typical monthly rent
$1,157
Typical yearly household income
$64,904
Households that own their home
86%
Effective property tax rate
0.36%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Santa Rosa County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,548
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Santa Rosa County.

Everything about Santa Rosa County

Buying

Buying a home in East Milton

A typical home in East Milton is worth $212,900: 35% below the county and 41% below Florida. With the typical household income in East Milton ($64,904 a year), a typical home costs 3.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • East Milton 3.3 years
  • Santa Rosa 3.6 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Santa Rosa County

According to FHFA’s house price index, home prices in Santa Rosa County rose 113% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Santa Rosa County.

Period County Florida U.S.
Last year (2025) +0.7% −0.5% +2.9%
5 years (2020–2025) +53% +60% +47%
10 years (2015–2025) +113% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

East Milton next to Santa Rosa County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • East Milton $212,900
  • Santa Rosa $329,800
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • East Milton $1,157
  • Santa Rosa $1,544
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • East Milton $64,904
  • Santa Rosa $91,922
  • Florida $74,568
  • United States $80,734
See the full table
East Milton next to Santa Rosa County and Florida
Measure East Milton Santa Rosa County Florida U.S.
Typical home value $212,900 $329,800 $359,000 $332,700
Typical monthly rent $1,157 $1,544 $1,669 $1,413
Typical yearly household income $64,904 $91,922 $74,568 $80,734
Households that own their home 86% 81% 68% 65%
Typical yearly property tax $757 $1,891 $2,730 $3,119
Effective property tax rate 0.36% 0.57% 0.76% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Santa Rosa County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in East Milton

For a typical $212,900 home in East Milton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Milton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,663a month

    Least cash to close
    Down payment
    $7,452
    Cash to close
    $13,839
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $94

  • Conventional, 5% down $1,624a month

    Down payment
    $10,645
    Cash to close
    $17,032
    Rate
    7.18%
    Mortgage insurance
    PMI · $101

  • Conventional, 20% down, no PMI $1,306a month

    Down payment
    $42,580
    Cash to close
    $48,967
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,503a month

    Down payment
    $31,935
    Cash to close
    $38,322
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for East Milton and for Santa Rosa County.

Property tax

Effective rate in East Milton

0.36%of the home’s value each year

$757 a year for the typical owner in East Milton.

  • East Milton 0.36%
  • Santa Rosa 0.57%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Santa Rosa County

FEMA does not publish these numbers by city: they are for all of Santa Rosa County.

Homes in the high-risk zone
8%
5,594
Of those, with NFIP insurance
67%
County Florida U.S.
Homes in the high-risk zone 8% 13% 3.5%
Of those, with NFIP insurance 67% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in East Milton

Typical rent in East Milton is $1,157 a month: 25% below the county.

HUD publishes a fair market rent for all of Santa Rosa County, by unit size. To pay the 2-bedroom one ($1,548 a month) without spending more than 30% of your income, you would need to earn $29.77 an hour working full time.

HUD fair market rent for all of Santa Rosa County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,154 $22.19 $46,160
1 bedroom $1,359 $26.13 $54,360
2 bedrooms $1,548 $29.77 $61,920
3 bedrooms $2,034 $39.12 $81,360
4 bedrooms $2,435 $46.83 $97,400

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in East Milton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Milton is in ZIP code 32583.

For 2 bedrooms it is $1,550: $2 more than the fair market rent for Santa Rosa County ($1,548).

  • 32583 $1,550$2,040

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for East Milton when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in East Milton

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Santa Rosa County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in East Milton

No down payment, repair or rent-help program on our list is for East Milton or Santa Rosa County. The ones below are statewide in Florida: they work in East Milton the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near East Milton

The HUD-approved agencies closest to the center of East Milton, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Pensacola Habitat for Humanity

    300 W Leonard St, Pensacola · 20 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (850) 434-5456

  • Community Enterprise Investments, Incorporated

    302 North Barcelona St, Pensacola · 21 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 10 more
    850-595-6234-206

  • University of Florida/Florida Cooperative Extension - Holmes County Cooperative Extension Service

    1169 E Highway 90, Bonifay · 78 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 7 more
    (850) 547-1108

All counseling agencies in Florida

Help in Spanish near East Milton

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of East Milton

In HUD’s record, no housing authority with an office in Santa Rosa County is named for East Milton or Santa Rosa County.

One other authority has an office in Santa Rosa County: see the list Source: HUD

Cities

Other cities in Santa Rosa County

These cities are also in Santa Rosa County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Santa Rosa County Housing in Florida

Nearby cities

The cities closest to East Milton, with the typical home value.

Neighboring counties

If Santa Rosa County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in East Milton.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about East Milton

Short answers with the numbers for East Milton and all of Santa Rosa County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in East Milton?

The typical home value in East Milton is $212,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Santa Rosa County it is $329,800.

How much does it cost to rent in East Milton?

Typical rent in East Milton is $1,157 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Santa Rosa County is $1,548.

What is the FHA loan limit in East Milton?

East Milton uses the FHA limit for all of Santa Rosa County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in East Milton?

The typical homeowner in East Milton pays $757 a year, according to the U.S. Census Bureau. That is 0.36% of the home’s value; in Santa Rosa County, the rate is 0.57%.

Where can I find free help to buy or rent in East Milton?

We found no HUD-approved counseling agencies with an office in Santa Rosa County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).