Even on the area’s higher pay, Wilton costs more to live in than 81% of U.S. towns
It ranks #529 of 757 in New York for affordability.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Albany-Schenectady-Troy, NY metro area ($88K). How TownRatings grades cost of living
The grade measures what housing costs against what households in the area earn. Wilton’s area earns well above the typical U.S. town ($88K against $74K), but homes, rent and taxes here run higher still. Owners keep up better than renters: 16% of owners pay 30% or more of income for housing (typical U.S. town: 20%), against 50% of renters.
In dollars
- $1,980a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 100prices across the Albany metro, where the U.S. is 100 (housing 103)BEA Regional Price Parities, 2024
In paychecks the grade
- 4.6 yrsof area income buys the typical home; the typical U.S. town: 3.3$88K, Albany-area income
- 21%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 50%of renters pay 30%+ of income for housing; across New York: 52%Census 2020–24
- 16%of owners do; the typical U.S. town: 20%Census 2020–24
The short version on homes in Wilton
About three in four homes sell above asking
In May, 76% of the homes that sold went for more than the asking price and 63% went under contract within two weeks. There were about 1.7 months of homes for sale at that pace, against 4.6 across New York: 35 listings for 21 sales that month. Expect competition on well-priced homes. How fast homes sell ↓
Mostly newer homes
Half of Wilton’s homes were built after 1999, against 1959 for New York as a whole. Property taxes ↓
A burst of building in 2025
Wilton permitted 173 new homes in 2025, against about 64 in a typical year of the past decade. That’s 9.9 per 1,000 residents, against 1.8 across New York. New homes ↓
Written from the data on this page. There’s no Zillow index for Wilton, so the typical value is an estimate: the Census median carried forward with the federal house price index; sales and supply are Redfin’s for May 2026; permits are Census figures through 2025; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Wilton’s grade
Measured against what households in the area earn, Wilton is more affordable than 19% of U.S. towns, #529 of 757 in New York. Property tax pulls the grade down most; the share of households paying 30%+ for housing holds it up.
Home prices up 57% in 5 years
The federal house price index for the ZIP codes around Wilton rose 57% over the past 5 years, faster than across New York (52%). Last year prices rose 12%. Carrying the Census median home value forward with that index puts the typical Wilton home at roughly $517,000 today.
Carrying the Census median forward with the index puts a typical home at about $517K.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Wilton, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
A strong seller's market
Homes are selling faster than new ones are listed: less than two months of supply. Well-priced homes can draw several offers.
Under ~4 months of supply favors sellers; over ~6 favors buyers.
Redfin Data Center, all residential sales, May 2026.
A typical home costs 4.6 years of area income
The calculator starts from the area income the grade uses. Switch to Wilton’s own median, or type yours.
That’s $184K short of a typical Wilton home.
A two-bedroom rents for about $1,980 a month here, $1,210 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Wilton’s typical property tax (1.11% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,980
Renters already here pay a median of $1,576, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Albany-Schenectady-Troy, NY MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
173 new homes permitted in 2025
Builders were permitted 173 new homes in Wilton in 2025, all single-family houses, worth about $74.1 million to build. That's 9.9 per 1,000 residents, faster than across New York (1.8). Over the past 10 years, Wilton has permitted 749 homes in all.
Between the 2010 and 2020 censuses, Wilton gained 1,188 residents while 747 new homes were permitted: about 1.6 new residents per new home, fewer than across New York (2.2): building outpaced growth.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 52 | 52 | 0 | $24.5 million |
| 2025 | 173 | 173 | 0 | $74.1 million |
| 2024 | 104 | 102 | 2 | $47.5 million |
| 2023 | 67 | 61 | 6 | $27.9 million |
| 2022 | 48 | 48 | 0 | $19.7 million |
| 2021 | 50 | 50 | 0 | $16 million |
| 2020 | 44 | 44 | 0 | $13.8 million |
| 2019 | 68 | 36 | 32 | $15.9 million |
| 2018 | 63 | 61 | 2 | $20 million |
| 2017 | 57 | 57 | 0 | $20 million |
| 2016 | 75 | 73 | 2 | $30.8 million |
| 2015 | 128 | 69 | 59 | $25.3 million |
| 2014 | 45 | 45 | 0 | $14.5 million |
| 2013 | 47 | 43 | 4 | $13 million |
| 2012 | 90 | 24 | 66 | $13.9 million |
| 2011 | 130 | 22 | 108 | $14.5 million |
| 2010 | 44 | 26 | 18 | $8.6 million |
| 2009 | 82 | 32 | 50 | $10.6 million |
| 2008 | 72 | 68 | 4 | $12.9 million |
| 2007 | 423 | 39 | 384 | $43.9 million |
| 2006 | 63 | 63 | 0 | $14.4 million |
| 2005 | 124 | 88 | 36 | $24.1 million |
| 2004 | 127 | 127 | 0 | $27.3 million |
| 2003 | 199 | 199 | 0 | $36.8 million |
| 2002 | 248 | 216 | 32 | $48.2 million |
| 2001 | 265 | 193 | 72 | $34.5 million |
| 2000 | 223 | 155 | 68 | $24.8 million |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Property tax runs below the New York norm
The median bill is $4,482 (New York: $6,582), 1.11% of a home’s value a year, against 1.55% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Wilton
Only figures published free for the whole country, each labeled with the area it covers: the Albany-Schenectady-Troy, NY metro area, or New York. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 100 | NY 108 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 100 | NY 107 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 134 | NY 134 | metro | BEA, 2024 |
| Other services U.S. = 100 | 98 | NY 104 | metro | BEA, 2024 |
| Electricity cents per kWh, homes | 29.9¢ | U.S. 18.3¢ | state | EIA, July 2026 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Wilton vs. its neighbors
Zillow publishes no value for Wilton. Greenfield and Northumberland and Moreau and Corinth have no Zillow value, so they are in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Wilton | C− | — | $402K | 1.11% | $1,980 |
| Saratoga Springs | D | $657K | $478K | 1.24% | $2,280 |
| Northumberland | B | — | $267K | 1.47% | $1,760 |
| Greenfield | C− | — | $376K | 1.19% | $1,670 |
| Corinth | A− | — | $197K | 1.32% | $1,400 |
| Moreau | B− | — | $250K | 1.42% | $1,690 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Wilton
Is Wilton expensive to live in?
Measured against what households in the area earn, Wilton costs more than 81% of U.S. towns: a C− for cost of living, #529 of 757 in New York. The typical home costs 4.6 years of the median household income of the Albany-Schenectady-Troy, NY metro area ($88K).
How much is rent in Wilton?
HUD puts a two-bedroom at about $1,980 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $1,576 (Census 2020–24).
What are property taxes in Wilton?
The median bill is $4,482 a year, 1.11% of the median home value (New York: $6,582, 1.55%), from the Census 2020–24.
Neighbors talk housing
What Wilton buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.