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Mortgage Calculator &
Closing Costs: Milford, CT

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Milford, Connecticut.

Median Home Price
$395K
Population
54K
Avg Monthly Rent
$1,650
Property Tax Rate
2.15%
Milford vs Connecticut Median
The median home price in Milford is $395,000, which is roughly in line with the Connecticut state median of $405,000.

Mortgage Calculator — Milford, CT

Pre-filled with Milford median home price and Connecticut tax/insurance rates. Adjust for your property.

$
$79,000
%
%
years
CT avg
%
$
Monthly Payment (PITI)
$2,880
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,997
per month
Taxes & Insurance
$883
per month
Total Interest Paid
$403K
over 30 years
Total Loan Cost
$719K
all payments
Payment Breakdown
Loan Amount$316,000
Principal & Interest$1,997
Property Taxes$708
Homeowners Insurance$175
Total Monthly PITI$2,880

Closing Costs — Milford, CT

Estimated closing costs based on Connecticut rates and fees applied to Milford prices.

$
%
Connecticut: Avg closing costs 2.1% of price. Transfer tax: 1.25%.
Estimated Closing Costs
$19,277
4.9% of purchase price
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Lender Fees
$3,269
origination, underwriting
Third-Party
$3,425
appraisal, title, inspection
Government Fees
$4,938
transfer taxes, recording
Prepaids + Escrow
$7,646
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,844
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,275
Recording Fee$150
Transfer Tax$4,938
Prepaid Taxes (3 mo)$2,123
Prepaid Insurance (12 mo)$2,100
Prepaid Interest (15 days)$950
Escrow Reserves$2,473
Total Closing Costs$19,277

Buying a Home in Milford, Connecticut

The median home price in Milford is $395,000, roughly in line with the Connecticut state median of $405,000. With a population of 54,120, Milford is a smaller market where home prices tend to be more accessible than in many parts of Connecticut.

Property taxes in Connecticut average 2.15% annually. This higher-than-average tax rate means a $395,000 home in Milford would carry roughly $708/month in property taxes alone — plan accordingly. Homeowners insurance in Connecticut runs approximately $2,100 per year. This is within the normal range nationally.

Average rent in Milford is $1,650/month. The price-to-rent ratio in Milford is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Milford presents moderate affordability. The $395K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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