Milford is a town in Otsego County, New York, United States. The population was 3,044 at the 2010 census. Within town is the village of Milford. The town is northeast of the City of Oneonta.
According to the United States Census Bureau, the town has a total area of 47.2 square miles (122.2 km²), of which, 46.1 square miles (119.4 km²) of it is land and 1.1 square miles (2.8 km²) of it (2.27%) is water.
The Susquehanna River flows south through the eastern part of Milford, receiving the inflow of Cherry Valley Creek.
New York State Route 28 is a north-south highway through the eastern part of the town. New York State Route 166 intersects NY-28 at Milford village, and New York State Route 7 intersects NY-28 in the south part of Milford. NY-28 intersects Interstate 88 near the south town line.
As of the census of 2000, there were 2,938 people, 1,207 households, and 813 families residing in the town. The population density was 63.7 people per square mile (24.6/km²). There were 1,575 housing units at an average density of 34.2 per square mile (13.2/km²). The racial makeup of the town was 97.52% White, 0.71% Black or African American, 0.31% Native American, 0.58% Asian, 0.10% from other races, and 0.78% from two or more races. Hispanic or Latino of any race were 1.91% of the population.
There were 1,207 households out of which 28.4% had children under the age of 18 living with them, 52.1% were married couples living together, 10.7% had a female householder with no husband present, and 32.6% were non-families. 25.4% of all households were made up of individuals and 11.3% had someone living alone who was 65 years of age or older. The average household size was 2.38 and the average family size was 2.84.
In the town, the population was spread out with 23.1% under the age of 18, 6.2% from 18 to 24, 26.7% from 25 to 44, 29.0% from 45 to 64, and 15.0% who were 65 years of age or older. The median age was 41 years. For every 100 females, there were 93.7 males. For every 100 females age 18 and over, there were 91.4 males.
The median income for a household in the town was $36,803, and the median income for a family was $43,516. Males had a median income of $31,108 versus $23,015 for females. The per capita income for the town was $17,722. About 9.3% of families and 13.6% of the population were below the poverty line, including 18.4% of those under age 18 and 9.5% of those age 65 or over.