High school, 1910
Milford’s story
189 years in pictures
The archive holds 2 old photos and papers going back to 1910.
- 1837Milford is settled
MilfordIN
Photo: Internet Archive Book Images · Public domain
Population
1,686
2025 Census estimate · +0.2% since 2020
Typical home
$288K
+6.9% in a year
Household income
$52K
median
Median age
43.0
years
Jobs based here
932
Balanced
Is Milford a good place to live?
Milford’s best subject grades are a B+ for history and cost of living; its weakest is a C for health. On hazard risk, just 91 of Indiana’s 1,098 towns do better. 8.9% of adults 25 and older hold a bachelor’s degree or more in Milford, against 22% in Indiana’s towns and 29% across U.S. towns. Only 45 of Indiana’s 1,098 towns score lower on the outdoors. Milford has fewer than 2,500 residents, so it gets subject grades but no overall grade.
What makes Milford stand out
Where Milford beats most towns.
Natural hazardsA
Very low risk of storm and flood damage
FEMA National Risk Index.
0historic places
HistoryB+
Settled in 1837
A long history
A history going back 189 years.
Typical home value
Milford$288K
Indiana$257K
Cost of livingB+
3.8 years of income buys a home
More affordable than 72% of U.S. towns
Zillow Home Value Index; area median household income, Census ACS.
How Milford grades
Each subject compared with towns across the country (schools within Indiana), ordered by how far Milford is from typical.
Hazard riskFEMA risk higher than 14% of U.S. communities; inland flooding tops the listAOpen →HealthGoshen Hospital 10.2 miles awayCOpen →Cost of livingB+Open →WalkabilityEPA walkability 6.8 of 20; 0.7% of households have no car; 5% of workers walk, bike or ride transitB+Open →Jobs & incomeC+Open →SchoolsBehind 61% of Indiana districts on tests and graduationC+Open →SafetyBOpen →
Character Graded, but not part of the overall grade.
OutdoorsConserved land, trails and parksD−Open →History1 notable person born hereB+Open →Civic life3 community nonprofits per 1,000 residentsC+Open →
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.
Climate–Open →Housing market–Open →Who lives hereMedian age 43.0; 9% of adults have a four-year degree–Open →
How TownRatings grades towns →
Getting set up
The full setup list →Moving to Milford: who provides what
Who provides power, water and the rest in Milford, and how to reach them.
PowerNIPSCO22.1¢/kWh · EIA 2025HIFLD · EIA
WaterMilford Water DepartmentNo health-based violations in 5 years · EPAEPA
Internet9 providers100% of addresses get 100/20 MbpsFCC
Trash & dumpNot on file yetWe don’t have Milford’s trash rules yet
Register to voteOnlineIn Indiana you can register online until 29 days before Election Day, in person until 29 days before Election Day, or by mail (postmarked 29 days before).vote.govWho runs elections hereKosciusko County Circuit Court ClerkKosciusko County; contacts on the Handbook page.FVAP, Sep 2025
ZIP code4654246542 100%Census 2020
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 18, 2024.
The data
Ordered by what stands out in Milford.
Natural hazardsHazard risk grade A
Very low risk in Milford, with inland flooding at the top
Expected storm and flood damage is lower than in 86% of U.S. communities.
14risk score of 100
FEMA risk score
Inland floodingTornadoesCold waves
4
federal disasters paid out here
FEMA National Risk Index · OpenFEMA
HealthC
On CDC estimates, Milford is less healthy than 73% of U.S. towns
Milford beats the Indiana average on 0 of 32 CDC measures and trails it on 2. 19% of Milford adults report frequent mental distress, where Indiana’s towns sit at 18% and U.S. towns at 17%. 35% of adults feel lonely in Milford.
27%healthier than U.S. townsCHealth Grade
| Milford | Indiana towns | U.S. towns | |
|---|---|---|---|
| Frequent mental distress (CDC PLACES) | 19% | 18% | 17% |
| Feel lonely (CDC PLACES) | 35% | 32% | 33% |
| Yearly checkup (CDC PLACES) | 77% | 80% | 79% |
| No health insurance, 18–64 (CDC PLACES) | 12% | 8.3% | 8.1% |
32 measures vs. Indiana
0 better30 too close to call2 worse
| What stands out | Milford | IN |
|---|---|---|
| More older adults who have lost all their teeth | 20.9% | 15.4% |
| More uninsured adults | 11.8% | 8.9% |
Goshen Hospital
10.2 mi away · emergency room
2 of 3
care shortages: dental, mental health
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Climate
Snowy winters and pleasant summers in Milford
Milford has chilly, snowy winters and pleasant summers. July afternoons reach 83°, January nights drop to 17° and about 45 inches of snow falls in a winter.
45″snow a winter
Typical low → high °F
Winter20–35°
Spring38–60°
Summer60–82°
Fall42–62°
Oct 19
typical first frost
Apr 28
typical last frost
+1.4°
vs. the 20th-century average
NOAA U.S. Climate Normals, 1991–2020
Work & commuteJobs & income grade C+
Milford has 1.2 jobs for every working resident, and 881 people commute in
Most working residents leave Milford for work: only 6% work in town. Jobs based in Milford fell to 932 in 2023, 342 fewer than in 2013. The median household income in Milford is $52,000.
6%work in town
| Milford | Indiana towns | U.S. towns | |
|---|---|---|---|
| Median household income | $52,000 | $71,000 | $80,000 |
| Working residents who work in town | 6.5% | 11% | 8% |
Where working residents work
In Milford6%
Goshen10%
Elkhart10%
Nappanee9%
Warsaw5%
12 mi
median commute distance
932
jobs based in Milford
Balanced
jobs vs. working residents
B+
Walkability grade: more walkable than 66% of U.S. towns
Census LEHD 2023 · ACS
SafetyB
Crime per resident in Milford is lower than in 59% of U.S. towns
Milford’s violent crime rate is 3.6 per 1,000 residents.
59%of U.S. towns report more crimeBSafety Grade
| Milford | Indiana towns | U.S. towns | |
|---|---|---|---|
| Violent crimes per 1,000 (2025) | 3.6 per 1,000 residents | 1.4 | 1.6 |
| Property crimes per 1,000 (2025) | 7.1 per 1,000 residents | 8.6 | 9.9 |
Violent crime per 1,000 residents
Milford3.6
Indiana3
U.S.3.3
Property crime per 1,000 residents
Milford7.1
Indiana12.5
U.S.15.5
59th
percentile among U.S. towns we grade
6
violent crimes reported in 2025
12
property crimes reported in 2025
FBI crime data, 2025 · crimes reported to police
HousingCost of living grade B+
Homes in Milford are worth about $288K, by Zillow’s estimate
The typical Milford home is worth about $288,000, up 6.9% in a year, 12% above the Indiana typical home.
$288KZillow home value
| Milford | Indiana towns | U.S. towns | |
|---|---|---|---|
| Median rent | $1,029 a month | $947 a month | $1,185 a month |
| Households that own their home | 76% | 76% | 73% |
Typical home value
Milford$288K
Indiana$257K
+6.9%
value change, 1 year
2
homes sold in May
Zillow Home Value Index · Redfin Data Center
Keep exploring
Everything we know about Milford
19pages on Milford
The big questions
SchoolsC+Behind 61% of IN districtsSafetyB3.6 violent crimes per 1,000 residents (2025)HealthCBetter than IN on 0 of 32 CDC measuresCost of livingB+$288K typical home · up 6.9% in a yearWork & commuteC+$52K median household income · 932 jobs hereNatural hazardsAFEMA risk higher than 14% of U.S. communities · inland flooding
Out and about
The story
After high school
Colleges nearby
2 within 15 miles of the center of Milford
Goshen CollegeUniversity or college · Private nonprofit · Goshen10.1 mi$38,890 tuitionGrace College and Theological SeminaryUniversity or college · Private nonprofit · Winona Lake13.3 mi$31,200 tuition
About 3 of every 100 Milford residents are enrolled in college, against 6 across Indiana.
About Milford
Town in Indiana, United States
Milford is a town in Van Buren Township, Kosciusko County, in the U.S. state of Indiana. The population was 1,614 at the 2020 census.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Area
- 1.5 sq mi
- Elevation
- 833 ft
- ZIP code
- 46542
Questions about Milford
Short answers, built from the data on this page.
Is Milford, IN expensive?
Not for the area. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades B+.