Español

Este sitio también está en español. Leer en español

City · 28,587 residents · Norfolk County, Massachusetts

Milton , Massachusetts

In Milton, a typical home is worth $933,200 and typical rent is $1,474 a month. Compared with all of Norfolk County, typical household income is 44% higher, the typical home value is 36% higher, and the share of households that own their home is 16 points higher.

WhatsApp

  • Typical home value

    $933,200

    36% above the county

    66% above Massachusetts

    • Milton
    • Norfolk
    • Massachusetts

  • Typical rent

    $1,474a month

    31% below the county

    16% below Massachusetts

    • Milton
    • Norfolk
    • Massachusetts

  • Typical household income

    $188,529a year

    44% above the county

    81% above Massachusetts

    • Milton
    • Norfolk
    • Massachusetts

  • Households that own their home

    85%

    16 points above the county

    23 points above Massachusetts

    • Milton
    • Norfolk
    • Massachusetts

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

Market now, with Zillow data

Zillow data
Typical home value
$1,073,972
3.6% more than 12 months ago
Typical rent
$3,588 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Milton is in Norfolk County. The FHA loan limit ($962,550 for a one-unit home), the fair market rents and the help on this page are those of all of Norfolk County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Milton apart

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

  1. Nearby, in Randolph Town, the typical home value is $496,400: 47% less than in Milton ($933,200).

  2. The typical household income in Milton is $188,529, 44% more than in Norfolk County as a whole ($130,739).

  3. The typical home in Milton is worth $933,200, 36% more than in Norfolk County as a whole ($683,900).

  4. 85% of households in Milton own their home, against 69% in Norfolk County.

  5. The typical rent in Milton is $1,474 a month, 31% less than in Norfolk County as a whole ($2,149).

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

The homes here

Housing in Milton

What homes there are in 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

In Milton, 8 in 10 homes are single-family detached houses; in Norfolk County, 6.

Year built

In Milton, half of the homes were built before 1945; in Norfolk County, before 1964.

In Milton, 81% of homes have 3 bedrooms or more, more than in Norfolk County (59%).

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
Monthly rent with utilities

With a mortgage

$3,808 a month

Norfolk County: $3,171 a month

Owners with a mortgage

71%

Norfolk County: 67%

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

The typical home value in Milton rose 51% since 2015–2019, more than in Norfolk County (45%).

Since 2015–2019, the typical rent in Milton did not change clearly, according to the Census.

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

MeasureMiltonNorfolk CountyMassachusettsUnited States
Rental vacancy Unreliable estimate4.0%3.5%5.5%
Homeowner vacancy Unreliable estimate0.4%0.6%0.9%
More than one person per room Unreliable estimate2.0%2.3%3.4%
People per household 2.972.512.442.53
Drive alone 54%57%61%69%
Carpool 4%6%7%9%
Public transit Unreliable estimate9%7%3%
Walk or bike 4%4%5%3%
Work from home 30%23%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.97 on average, against 2.51 in Norfolk County.

Many people here do not commute at all: 30% work from home; in Norfolk County, 23%.

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 Milton?

A typical home costs more than the typical income allows

We start with a typical home in Milton, worth $933,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Milton, which is $188,529 a year. For that payment to be 28% of income, a household would need to earn about $341,475 a year.

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

Your numbers

Local data
$

Starts at the typical home value in 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 $32,662 (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

$7,968

at 7.18% · 30 years

Loan amount
$916,297
Total interest
$1,318,337
Paid off in
November 2056

Includes $15,759 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,399 a month

  • Tight

    $4,399 to $5,656 a month

  • Hard

    more than $5,656 a month

    Your payment · 51%

Compared with the typical household income in Milton ($188,529 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,968
Principal & interest$6,207
Property tax$809
Home insurance$389
FHA mortgage insurance (MIP)$563

You need at least $32,662 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

Milton and Norfolk County

Milton is in Norfolk County, Massachusetts. 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).

Milton's own numbers

Typical home value
$933,200
Typical monthly rent
$1,474
Typical yearly household income
$188,529
Households that own their home
85%
Effective property tax rate
1.04%

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

Numbers for all of Norfolk County

FHA limit, one-unit home
$962,550
Conventional limit, one unit
$962,550
HUD fair market rent, 2 bedrooms
$2,409–$3,008
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
2.2%

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 Norfolk County.

Everything about Norfolk County

Buying

Buying a home in Milton

A typical home in Milton is worth $933,200: 36% above the county and 66% above Massachusetts. With the typical household income in Milton ($188,529 a year), a typical home costs 4.9 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.

  • Milton 4.9 years
  • Norfolk 5.2 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Norfolk County

According to FHFA’s house price index, home prices in Norfolk County rose 80% in the 10 years through 2025.

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

Period County Massachusetts U.S.
Last year (2025) +3.0% +3.7% +2.9%
5 years (2020–2025) +45% +49% +47%
10 years (2015–2025) +80% +87% +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

Milton next to Norfolk County, Massachusetts and the U.S.

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

Typical home value
  • Milton $933,200
  • Norfolk $683,900
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Milton $1,474
  • Norfolk $2,149
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Milton $188,529
  • Norfolk $130,739
  • Massachusetts $103,960
  • United States $80,734
See the full table
Milton next to Norfolk County and Massachusetts
Measure Milton Norfolk County Massachusetts U.S.
Typical home value $933,200 $683,900 $562,100 $332,700
Typical monthly rent $1,474 $2,149 $1,762 $1,413
Typical yearly household income $188,529 $130,739 $103,960 $80,734
Households that own their home 85% 69% 63% 65%
Typical yearly property tax $9,677 $7,261 $5,992 $3,119
Effective property tax rate 1.04% 1.06% 1.07% 0.94%
Renters with high rent for their income 46% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Norfolk 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 Milton

For a typical $933,200 home in Milton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Milton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,968a month

    Least cash to close
    Down payment
    $32,662
    Cash to close
    $60,658
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $563

  • Conventional, 5% down $7,647a month

    Down payment
    $46,660
    Cash to close
    $74,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $443

  • Conventional, 20% down, no PMI $6,255a month

    Down payment
    $186,640
    Cash to close
    $214,636
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,118a month

    Down payment
    $139,980
    Cash to close
    $167,976
    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 Milton and for Norfolk County.

Property tax

Effective rate in Milton

1.04%of the home’s value each year

$9,677 a year for the typical owner in Milton.

  • Milton 1.04%
  • Norfolk 1.06%
  • Massachusetts 1.07%

What Massachusetts publishes Local senior exemption (clause 41C) (Massachusetts General Court (General Laws))

Exemptions and deadlines in Massachusetts

Flood risk in Norfolk County

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

Homes in the high-risk zone
2.2%
4,629
Of those, with NFIP insurance
43%
County Massachusetts U.S.
Homes in the high-risk zone 2.2% 3% 3.5%
Of those, with NFIP insurance 43% 50% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Milton

Typical rent in Milton is $1,474 a month: 31% below the county. In Milton, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Norfolk County; Milton is in Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area. To pay the 2-bedroom one ($3,008 a month) without spending more than 30% of your income, you would need to earn $57.85 an hour working full time.

Fair market rent by size in Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area

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 $2,440 $46.92 $97,600
1 bedroom $2,518 $48.42 $100,720
2 bedrooms $3,008 $57.85 $120,320
3 bedrooms $3,584 $68.92 $143,360
4 bedrooms $3,953 $76.02 $158,120

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $2,409 to $3,008. The table by area, below, shows which one each town is in.

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

Fair market rent by HUD area in Norfolk County

HUD splits this county into 2 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area The area where most people liveMilton is in this area
27 towns in this area

Bellingham town, Braintree Town city, Brookline town, Canton town, Cohasset town, Dedham town, Dover town, Foxborough town, Franklin Town city, Holbrook town, Medfield town, Medway town, Millis town, Milton town, Needham town, Norfolk town, Norwood town, Plainville town, Quincy city, Randolph city, Sharon town, Stoughton town, Walpole town, Wellesley town, Westwood town, Weymouth Town city, Wrentham town

 $2,440$2,518$3,008$3,584$3,953$57.85
Brockton, MA HUD Metro FMR Area
1 town in this area

Avon town

 $1,678$1,842$2,409$3,015$3,166$46.33

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

By ZIP code

Fair market rent by ZIP code in Milton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Milton is in ZIP code 02186.

For 2 bedrooms it is $2,650.

  • 02186 $2,650$3,180

A ZIP code counts for 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?

Low-income apartments

Low-income apartments in Milton

HUD lists 3 buildings with rents for lower incomes in Milton. These are the largest.

  • Winter Valley Residences 600 Canton Ave, Milton 02186 160 homes, 132 low-income · For older adults
  • Work Inc.- Milton 47 Wolcott Rd, Milton 02186 5 low-income homes · For older adults
  • Winter Valley Residences II 600 Canton Ave, Milton 02186

See all 92 buildings in Norfolk County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in 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.

There are 2 HUD-approved agencies with an office in Norfolk County; none says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Milton

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

Which programs do I qualify for? All programs in Massachusetts

  • MassHousing Down Payment Assistance

    Statewide in Massachusetts

    Massachusetts state agency second mortgage for the down payment: up to $30,000 at 0% and deferred, or up to $25,000 at 2% or 3% over 15 years, for first-time buyers with eligible income. Offered by MassHousing.

    DeferredRepayable

    See the program Official page

Housing counselors near Milton

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

  • Nid-Hca Phipps

    1539 Blue Hill Ave, Boston · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (617) 296-3693

  • Codman Square Neighborhood Dev. Corp.

    587 Washington St, Dorchester · 3 miles away

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (617) 825-4224

  • Quincy Community Action Programs, Inc.

    1509 Hancock St, Quincy · 4 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (617) 479-8181

Every agency in Norfolk County All counseling agencies in Massachusetts

Help in Spanish near Milton

1 of the 3 agencies on this list says it serves 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 Milton

HUD’s record names them for Milton or Norfolk County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

13 other authorities have an office in Norfolk County: see the list Source: HUD

Cities

Other cities in Norfolk County

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

Everything about Norfolk County Housing in Massachusetts
See 4 more cities in Norfolk County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Norfolk 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 Milton.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Milton

Short answers with the numbers for Milton and all of Norfolk 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 Milton?

The typical home value in Milton is $933,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Norfolk County it is $683,900.

How much does it cost to rent in Milton?

Typical rent in Milton is $1,474 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Norfolk County is $2,409–$3,008.

What is the FHA loan limit in Milton?

Milton uses the FHA limit for all of Norfolk County (2026): $962,550 for a one-unit home and $1,851,100 for a four-unit home.

How much property tax do owners pay in Milton?

The typical homeowner in Milton pays $9,677 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Norfolk County, the rate is 1.06%.

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

There are 2 HUD-approved counseling agencies with an office in Norfolk County. 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).