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City · 6,534 residents · Northumberland County, Pennsylvania

Milton , Pennsylvania

In Milton, a typical home is worth $196,800 and typical rent is $922 a month. Compared with all of Northumberland County, the typical home value is 21% higher, typical rent is 14% higher, and the share of households that own their home is 27 points lower.

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  • Typical home value

    $196,800

    21% above the county

    23% below Pennsylvania

    • Milton
    • Northumberland
    • Pennsylvania

  • Typical rent

    $922a month

    14% above the county

    24% below Pennsylvania

    • Milton
    • Northumberland
    • Pennsylvania

  • Typical household income

    $54,577a year

    10% below the county

    30% below Pennsylvania

    • Milton
    • Northumberland
    • Pennsylvania

  • Households that own their home

    48%

    27 points below the county

    21 points below Pennsylvania

    • Milton
    • Northumberland
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$240,682
8% more than 12 months ago

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

Milton is in Northumberland 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 Northumberland 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. 48% of households in Milton own their home, against 75% in Northumberland County.

  2. Nearby, in Sunbury, the typical home value is $107,200: 46% less than in Milton ($196,800).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Milton rose 8%; in Pennsylvania, it rose 2.2%.

  4. Nearby, in Sunbury, the typical rent is $738: 20% less than in Milton ($922).

  5. The typical home in Milton is worth $196,800, 21% more than in Northumberland County as a whole ($162,400).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

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

Homes in Milton are varied: detached houses are the largest group, at 44%, against 62% in Northumberland County.

Year built

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

$1,637 a month

Northumberland County: $1,300 a month

Without a mortgage

$564 a month

Northumberland County: $537 a month

Owners with a mortgage

58%

Northumberland County: 51%

Owning costs more in Milton: with a mortgage, the typical cost is $1,637 a month; in Northumberland County, $1,300. Without one, $564.

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 50% since 2015–2019, more than in Northumberland County (38%).

Since 2015–2019, the typical rent in Milton rose 36%, more than in Northumberland County (22%).

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

MeasureMiltonNorthumberland CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate6.1%4.9%5.5%
Homeowner vacancy Unreliable estimate1.2%0.8%0.9%
More than one person per room Unreliable estimate0.9%1.6%3.4%
People per household 2.252.292.392.53
Drive alone 77%76%68%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 13%10%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Milton has 2.25 people on average, about the same as in Northumberland County (2.29).

Many people here do not commute at all: 13% work from home; in Northumberland County, 10%.

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 $196,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Milton, which is $54,577 a year. For that payment to be 28% of income, a household would need to earn about $71,429 a year.

The calculator's FHA and conventional loan limits are those of all of Northumberland 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 $6,888 (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

$1,667

at 7.18% · 30 years

Loan amount
$193,235
Total interest
$278,020
Paid off in
November 2056

Includes $3,323 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,273 a month

  • Tight

    $1,273 to $1,637 a month

  • Hard

    more than $1,637 a month

    Your payment · 37%

Compared with the typical household income in Milton ($54,577 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,667
Principal & interest$1,309
Property tax$189
Home insurance$82
FHA mortgage insurance (MIP)$87

You need at least $6,888 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 Northumberland County

Milton is in Northumberland County, Pennsylvania. 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
$196,800
Typical monthly rent
$922
Typical yearly household income
$54,577
Households that own their home
48%
Effective property tax rate
1.15%

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

Numbers for all of Northumberland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
4.8%

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 Northumberland County.

Everything about Northumberland County

Buying

Buying a home in Milton

A typical home in Milton is worth $196,800: 21% above the county and 23% below Pennsylvania. With the typical household income in Milton ($54,577 a year), a typical home costs 3.6 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 3.6 years
  • Northumberland 2.7 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Northumberland County

According to FHFA’s house price index, home prices in Northumberland County rose 63% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +5.3% +4.7% +2.9%
5 years (2020–2025) +46% +48% +47%
10 years (2015–2025) +63% +77% +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 Northumberland County, Pennsylvania and the U.S.

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

Typical home value
  • Milton $196,800
  • Northumberland $162,400
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Milton $922
  • Northumberland $806
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Milton $54,577
  • Northumberland $60,583
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Milton next to Northumberland County and Pennsylvania
Measure Milton Northumberland County Pennsylvania U.S.
Typical home value $196,800 $162,400 $254,500 $332,700
Typical monthly rent $922 $806 $1,209 $1,413
Typical yearly household income $54,577 $60,583 $77,971 $80,734
Households that own their home 48% 75% 69% 65%
Typical yearly property tax $2,254 $1,794 $3,311 $3,119
Effective property tax rate 1.15% 1.1% 1.3% 0.94%
Renters with high rent for their income 47% 43% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Northumberland 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 $196,800 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 $1,667a month

    Least cash to close
    Down payment
    $6,888
    Cash to close
    $12,792
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $87

  • Conventional, 5% down $1,631a month

    Down payment
    $9,840
    Cash to close
    $15,744
    Rate
    7.18%
    Mortgage insurance
    PMI · $93

  • Conventional, 20% down, no PMI $1,337a month

    Down payment
    $39,360
    Cash to close
    $45,264
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,519a month

    Down payment
    $29,520
    Cash to close
    $35,424
    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 Northumberland County.

Property tax

Effective rate in Milton

1.15%of the home’s value each year

$2,254 a year for the typical owner in Milton.

  • Milton 1.15%
  • Northumberland 1.1%
  • Pennsylvania 1.3%

What Pennsylvania publishes Property Tax/Rent Rebate Program (PTRR) (Pennsylvania Department of Revenue)

Exemptions and deadlines in Pennsylvania

Flood risk in Northumberland County

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

Homes in the high-risk zone
4.8%
1,692
Of those, with NFIP insurance
15%
County Pennsylvania U.S.
Homes in the high-risk zone 4.8% 2% 3.5%
Of those, with NFIP insurance 15% 23% 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 $922 a month: 14% above the county. In Milton, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Northumberland County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Northumberland 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 $729 $14.02 $29,160
1 bedroom $899 $17.29 $35,960
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,320 $25.38 $52,800
4 bedrooms $1,408 $27.08 $56,320

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 Milton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Milton is in ZIP code 17847.

For 2 bedrooms it is $1,240: $226 more than the fair market rent for Northumberland County ($1,014).

  • 17847 $1,240$1,690

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. 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.

  • Mahoning Acres-Milton Towers 50 Mahoning St, Milton 17847 200 low-income homes · Run by Housing Auth of the County of Northumberland · Average payment: $417 a month · Average wait: 10 months (570) 742-8797
  • Milton Village 751 Mahoning St, Milton 17847 80 homes, 79 low-income · For families (717) 742-3747
  • Centre Town 22 Race St, Milton 17847 50 low-income homes · For older adults (570) 742-8644

See all 17 buildings in Northumberland 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.

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

A young man and a young woman look something up together on a laptop.

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 Northumberland County. The ones below are statewide in Pennsylvania: they work in Milton the same as in the rest of the state.

Which programs do I qualify for? All programs in Pennsylvania

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.

  • Schuylkill Community Action

    225 N Centre St, Pottsville · 41 miles away · Spanish

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 5 more
    (570) 622-1995

  • The Fair Housing Council of the Capital Region, Inc

    2100 N 6th St, Harrisburg · 50 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (717) 238-9540

  • Pennsylvania Housing Finance Agency

    211 North Front Street, Harrisburg · 51 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (800) 342-2397

All counseling agencies in Pennsylvania

Help in Spanish near Milton

2 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 Milton

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

  • Housing Auth of the County of Northumberland Public housing and Section 8 vouchers (570) 742-8797

2 other authorities have an office in Northumberland County: see the list Source: HUD

Cities

Other cities in Northumberland County

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

Everything about Northumberland County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Northumberland 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
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Milton

Short answers with the numbers for Milton and all of Northumberland 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 $196,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Northumberland County it is $162,400.

How much does it cost to rent in Milton?

Typical rent in Milton is $922 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Northumberland County is $1,014.

What is the FHA loan limit in Milton?

Milton uses the FHA limit for all of Northumberland 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 Milton?

The typical homeowner in Milton pays $2,254 a year, according to the U.S. Census Bureau. That is 1.15% of the home’s value; in Northumberland County, the rate is 1.1%.

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

We found no HUD-approved counseling agencies with an office in Northumberland 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).