In Milton, a typical home is worth $249,200 and typical rent is $930 a month. Compared with all of Rock County, typical household income is 14% higher and typical rent is 10% lower.
Typical home value from Zillow, September 2021 to September 2026: from $250,934 to $356,127.
Typical rent
$1,872a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Milton is in Rock 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 Rock County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Fort Atkinson, the typical home value is $211,800: 15% less than in Milton ($249,200).
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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Milton
Rock County
Wisconsin
United States
Kind of home: Milton and its comparisons
Measure
Milton
Rock County
Wisconsin
United States
Detached house
71%
74%
66%
61%
Attached house
Unreliable estimate
5%
4%
6%
Building of 2 to 4
11%
7%
9%
8%
Apartments (5 or more)
Unreliable estimate
12%
17%
19%
Mobile home
Unreliable estimate
3%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Milton, 7 in 10 homes are single-family detached houses; in Rock County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Milton
Rock County
Wisconsin
United States
Year built: Milton and its comparisons
Measure
Milton
Rock County
Wisconsin
United States
Before 1960
35%
37%
33%
26%
1960–1979
23%
28%
24%
24%
1980–1999
21%
19%
22%
25%
2000–2009
18%
11%
13%
14%
2010 or later
Unreliable estimate
6%
9%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K23%
$200K–$300K42%
$300K–$500K25%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Milton and its comparisons
Measure
Milton
Under $100K
Unreliable estimate
$100K–$200K
23%
$200K–$300K
42%
$300K–$500K
25%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99963%
$1,000–$1,49932%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Milton and its comparisons
Measure
Milton
Under $500
Unreliable estimate
$500–$999
63%
$1,000–$1,499
32%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,647 a month
Rock County: $1,538 a month
Without a mortgage
$693 a month
Rock County: $632 a month
Owners with a mortgage
72%
Rock County: 63%
Owning costs more in Milton: with a mortgage, the typical cost is $1,647 a month; in Rock County, $1,538. Without one, $693.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Milton+66%
Rock County+58%
Wisconsin+48%
United States+53%
Typical rent
Milton+18%
Rock County+24%
Wisconsin+27%
United States+33%
Typical household income
Milton+27%
Rock County+31%
Wisconsin+26%
United States+29%
Change since 2015–2019: Milton and its comparisons
Measure
Milton
Rock County
Wisconsin
United States
Typical home value
+66%
+58%
+48%
+53%
Typical rent
+18%
+24%
+27%
+33%
Typical household income
+27%
+31%
+26%
+29%
The typical home value in Milton rose 66% since 2015–2019, more than in Rock County (58%).
Since 2015–2019, the typical rent in Milton rose 18%, less than in Rock County (24%).
To compare: typical income in Milton rose 27%; the home, +66%; the rent, +18%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Milton and its comparisons
Measure
Milton
Rock County
Wisconsin
United States
Rental vacancy
Unreliable estimate
3.7%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.5%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.7%
3.4%
People per household
2.29
2.41
2.33
2.53
Drive alone
85%
80%
74%
69%
Carpool
Unreliable estimate
7%
7%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
10%
9%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
Much as in Rock County, a household in Milton has 2.29 people on average.
To get to work, 85% of workers in Milton drive alone; in Rock County, 80%.
Do the math
What would you pay each month for a home in Milton?
A typical home is tight for the typical income
We start with a typical home in Milton, worth $249,200, 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 Milton, which is $85,959 a year. For that payment to be 28% of income, a household would need to earn about $95,610 a year.
The calculator's FHA and conventional loan limits are those of all of Rock County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Milton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,722 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,231
at 7.18% · 30 years
Loan amount
$244,686
Total interest
$352,046
Paid off in
November 2056
Includes $4,208 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,006 a month
Tight
$2,006 to $2,579 a month
Your payment · 31%
Hard
more than $2,579 a month
Compared with the typical household income in Milton ($85,959 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,658
Property tax
$359
Home insurance
$104
FHA mortgage insurance (MIP)
$110
You need at least $8,722 for the down payment, plus closing costs.
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.
Total monthly payment $2,231; principal and interest $1,658.
The city and its county
Milton and Rock County
Milton is in Rock County, Wisconsin. 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
Map of Rock County, Wisconsin, with Milton marked. Around it, the neighboring counties.
Milton
Rock County
Other cities with a page
Milton's own numbers
Typical home value
$249,200
Typical monthly rent
$930
Typical yearly household income
$85,959
Households that own their home
74%
Effective property tax rate
1.73%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Rock County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,280
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
1%
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 Rock County.
A typical home in Milton is worth $249,200: 8% above the county and 6% below Wisconsin. With the typical household income in Milton ($85,959 a year), a typical home costs 2.9 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.
Milton2.9 years
Rock3.1 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Rock County
According to FHFA’s house price index, home prices in Rock County rose 116% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Rock County.
Yearly change in FHFA’s price index in Rock County, 2016 to 2025
2016: +5.7% +5.7% 2016
2017: +6.9% +6.9% 2017
2018: +7.5% +7.5% 2018
2019: +6.2% +6.2% 2019
2020: +3.4% +3.4% 2020
2021: +12.3% +12.3% 2021
2022: +15.1% +15.1% 2022
2023: +9.8% +9.8% 2023
2024: +8.3% +8.3% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Rock County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+5.1%
+5.4%
+2.9%
5 years (2020–2025)
+61%
+57%
+47%
10 years (2015–2025)
+116%
+96%
+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 Rock County, Wisconsin and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Milton$249,200
Rock$231,600
Wisconsin$266,500
United States$332,700
Typical monthly rent
Milton$930
Rock$1,037
Wisconsin$1,087
United States$1,413
Typical yearly household income
Milton$85,959
Rock$75,673
Wisconsin$77,485
United States$80,734
See the full table
Milton next to Rock County and Wisconsin
Measure
Milton
Rock County
Wisconsin
U.S.
Typical home value
$249,200 ▲8% above the county
$231,600
$266,500
$332,700
Typical monthly rent
$930 ▼10% below the county
$1,037
$1,087
$1,413
Typical yearly household income
$85,959 ▲14% above the county
$75,673
$77,485
$80,734
Households that own their home
74% ▲3 points above the county
71%
68%
65%
Typical yearly property tax
$4,320 ▲17% above the county
$3,703
$3,792
$3,119
Effective property tax rate
1.73% ▲0.13 points above the county
1.6%
1.42%
0.94%
Renters with high rent for their income
38% ▼5 points below the county
43%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rock 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 $249,200 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$2,231a month
Least cash to close
Down payment
$8,722
Cash to close
$16,198
Rate
7.18%
Mortgage insurance
FHA MIP · $110
Conventional, 5% down$2,185a month
Down payment
$12,460
Cash to close
$19,936
Rate
7.18%
Mortgage insurance
PMI · $118
Conventional, 20% down, no PMI$1,814a month
Down payment
$49,840
Cash to close
$57,316
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,044a month
Down payment
$37,380
Cash to close
$44,856
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Milton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,231
$8,722
$244,686
7.18%
FHA MIP · $110
$16,198
580
Conventional, 5% down
$2,185
$12,460
$236,740
7.18%
PMI · $118
$19,936
620*
Conventional, 20% down, no PMI
$1,814
$49,840
$199,360
7.18%
None
$57,316
620*
ITIN, 15% down (example)
$2,044
$37,380
$211,820
8.18%
None
$44,856
Set by the lender
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.
Typical rent in Milton is $930 a month: 10% below the county. In Milton, 38% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Rock County, by unit size. To pay the 2-bedroom one ($1,280 a month) without spending more than 30% of your income, you would need to earn $24.62 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Rock County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$976
$18.77
$39,040
1 bedroom
$998
$19.19
$39,920
2 bedrooms
$1,280
$24.62
$51,200
3 bedrooms
$1,621
$31.17
$64,840
4 bedrooms
$1,682
$32.35
$67,280
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 53563.
For 2 bedrooms it is $1,190: $90 less than the fair market rent for Rock County ($1,280).
Fair market rent by ZIP code and size in Milton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
53563
$910
$930
$1,190
$1,510
$1,560
ZIP code2 bd3 bd
53563 $1,190$1,510
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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 is 1 HUD-approved agency with an office in Rock County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Milton or Rock County. The ones below are statewide in Wisconsin: they work in Milton the same as in the rest of the state.
Wisconsin state agency second mortgage for the down payment: up to 6% of the price, over 10 years with a monthly payment and the same rate as the WHEDA first mortgage.Offered by Wisconsin Housing and Economic Development Authority (WHEDA).
$7,500 loan from the Wisconsin state agency for the down payment and closing costs, over 30 years, at 0% and with no monthly payments, alongside a WHEDA mortgage; limited funds, first come, first served.Offered by Wisconsin Housing and Economic Development Authority (WHEDA).
No legal help resource on our list is for Milton or Rock County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Milton and all of Rock 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 $249,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rock County it is $231,600.
How much does it cost to rent in Milton?
Typical rent in Milton is $930 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rock County is $1,280.
What is the FHA loan limit in Milton?
Milton uses the FHA limit for all of Rock 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 $4,320 a year, according to the U.S. Census Bureau. That is 1.73% of the home’s value; in Rock County, the rate is 1.6%.
Where can I find free help to buy or rent in Milton?
There is 1 HUD-approved counseling agency with an office in Rock County. They can help you get ready to buy, with your credit, or with rent.
