Milford is a town in Otsego County, New York, United States.

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 southern part of Milford.

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.