Español

Este sitio también está en español. Leer en español

City · 47,958 residents · Lower Connecticut River Valley Planning Region, Connecticut

Middletown , Connecticut

In Middletown, a typical home is worth $295,300 and typical rent is $1,446 a month. Compared with all of Lower Connecticut River Valley Planning Region, typical household income is 24% lower, the typical home value is 22% lower, and the share of households that own their home is 23 points lower.

WhatsApp

  • Typical home value

    $295,300

    22% below the planning region

    20% below Connecticut

    • Middletown
    • Lower Connecticut River Valley
    • Connecticut

  • Typical rent

    $1,446a month

    About the same as the planning region

    3% below Connecticut

    • Middletown
    • Lower Connecticut River Valley
    • Connecticut

  • Typical household income

    $79,438a year

    24% below the planning region

    17% below Connecticut

    • Middletown
    • Lower Connecticut River Valley
    • Connecticut

  • Households that own their home

    53%

    23 points below the planning region

    14 points below Connecticut

    • Middletown
    • Lower Connecticut River Valley
    • Connecticut

Source: U.S. Census Bureau, Average 2020–2024

Middletown is in Lower Connecticut River Valley Planning Region. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Lower Connecticut River Valley Planning Region. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Middletown apart

What this place has that others do not, from public data, most unusual first.

  1. 53% of households in Middletown own their home, against 76% in Lower Connecticut River Valley Planning Region.

  2. Nearby, in Portland, the typical rent is $1,122: 22% less than in Middletown ($1,446).

  3. The typical household income in Middletown is $79,438, 24% less than in Lower Connecticut River Valley Planning Region as a whole ($104,428).

  4. Nearby, in Meriden, the typical home value is $241,200: 18% less than in Middletown ($295,300).

  5. The typical home in Middletown is worth $295,300, 22% less than in Lower Connecticut River Valley Planning Region as a whole ($379,700).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Middletown

What homes there are in Middletown, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes in Middletown are varied: detached houses are the largest group, at 45%, against 72% in Lower Connecticut River Valley Planning Region.

Year built

The typical year built in Middletown is 1972, about the same as in Lower Connecticut River Valley Planning Region (1972).

In Middletown, 25% of homes have 1 bedroom or none (studios); 43% have 3 bedrooms or more, against 62% in Lower Connecticut River Valley Planning Region.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Middletown sit under the FHA limit for Lower Connecticut River Valley Planning Region ($541,287): about 94%.

Monthly rent with utilities

About 79% of rented homes in Middletown cost less than HUD's 2-bedroom fair market rent for Lower Connecticut River Valley Planning Region ($1,933).

With a mortgage

$2,199 a month

Lower Connecticut River Valley Planning Region: $2,411 a month

Without a mortgage

$963 a month

Lower Connecticut River Valley Planning Region: $1,020 a month

Owners with a mortgage

65%

Lower Connecticut River Valley Planning Region: 62%

In Middletown, 65% of owners have a mortgage, and their typical cost is $2,199 a month, against $2,411 in Lower Connecticut River Valley Planning Region. Without one it drops to $963.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, the typical home value in Middletown rose 28%.

Since 2015–2019, the typical rent in Middletown rose 28%.

Here income did not keep up with housing: it rose 21%, while home values changed +28% and rent +28%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMiddletownLower Connecticut River Valley Planning RegionConnecticutUnited States
Rental vacancy 3.4%3.6%4.3%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 2.0%1.1%2.1%3.4%
People per household 2.092.282.462.53
Drive alone 69%72%69%69%
Carpool 7%7%8%9%
Public transit 1%1%3%3%
Walk or bike 6%3%3%3%
Work from home 14%17%16%15%
Other means 3%2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Middletown, the rental vacancy rate is 3.4%, about the same as in Lower Connecticut River Valley Planning Region.

More than one person per room: that is how 2.0% of households in Middletown live, near the figure in Lower Connecticut River Valley Planning Region (1.1%).

On average, a household in Middletown has 2.09 people, fewer than in Lower Connecticut River Valley Planning Region (2.28).

In Middletown, 6% of workers walk or bike to work; in Lower Connecticut River Valley Planning Region, 3%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Middletown?

A typical home costs more than the typical income allows

We start with a typical home in Middletown, worth $295,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Middletown, which is $79,438 a year. For that payment to be 28% of income, a household would need to earn about $117,938 a year.

The calculator's FHA and conventional loan limits are those of all of Lower Connecticut River Valley Planning Region.

Your numbers

Local data
$

Starts at the typical home value in Middletown. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,336 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,752

at 7.18% · 30 years

Loan amount
$289,951
Total interest
$417,171
Paid off in
November 2056

Includes $4,987 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,854 a month

  • Tight

    $1,854 to $2,383 a month

  • Hard

    more than $2,383 a month

    Your payment · 42%

Compared with the typical household income in Middletown ($79,438 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,752
Principal & interest$1,964
Property tax$534
Home insurance$123
FHA mortgage insurance (MIP)$131

You need at least $10,336 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Middletown and Lower Connecticut River Valley Planning Region

Middletown is in Lower Connecticut River Valley Planning Region, Connecticut. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Middletown's own numbers

Typical home value
$295,300
Typical monthly rent
$1,446
Typical yearly household income
$79,438
Households that own their home
53%
Effective property tax rate
2.17%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lower Connecticut River Valley Planning Region

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,933
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
7.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lower Connecticut River Valley Planning Region.

Everything about Lower Connecticut River Valley Planning Region

Buying

Buying a home in Middletown

A typical home in Middletown is worth $295,300: 22% below the planning region and 20% below Connecticut. With the typical household income in Middletown ($79,438 a year), a typical home costs 3.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Middletown 3.7 years
  • Lower Connecticut River Valley 3.6 years
  • Connecticut 3.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lower Connecticut River Valley Planning Region

According to FHFA’s house price index, home prices in Lower Connecticut River Valley Planning Region rose 73% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lower Connecticut River Valley Planning Region.

Period Region Connecticut U.S.
Last year (2025) +5.6% +6.1% +2.9%
5 years (2020–2025) +60% +62% +47%
10 years (2015–2025) +73% +75% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Middletown next to Lower Connecticut River Valley Planning Region, Connecticut and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Middletown $295,300
  • Lower Connecticut River Valley $379,700
  • Connecticut $366,900
  • United States $332,700
Typical monthly rent
  • Middletown $1,446
  • Lower Connecticut River Valley $1,454
  • Connecticut $1,488
  • United States $1,413
Typical yearly household income
  • Middletown $79,438
  • Lower Connecticut River Valley $104,428
  • Connecticut $95,781
  • United States $80,734
See the full table
Middletown next to Lower Connecticut River Valley Planning Region and Connecticut
Measure Middletown Lower Connecticut River Valley Planning Region Connecticut U.S.
Typical home value $295,300 $379,700 $366,900 $332,700
Typical monthly rent $1,446 $1,454 $1,488 $1,413
Typical yearly household income $79,438 $104,428 $95,781 $80,734
Households that own their home 53% 76% 66% 65%
Typical yearly property tax $6,412 $6,357 $6,643 $3,119
Effective property tax rate 2.17% 1.67% 1.81% 0.94%
Renters with high rent for their income 48% 50% 53% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lower Connecticut River Valley Planning Region. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Middletown

For a typical $295,300 home in Middletown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Middletown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,752a month

    Least cash to close
    Down payment
    $10,336
    Cash to close
    $19,195
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $131

  • Conventional, 5% down $2,698a month

    Down payment
    $14,765
    Cash to close
    $23,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $140

  • Conventional, 20% down, no PMI $2,257a month

    Down payment
    $59,060
    Cash to close
    $67,919
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,530a month

    Down payment
    $44,295
    Cash to close
    $53,154
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Middletown and for Lower Connecticut River Valley Planning Region.

Property tax

Effective rate in Middletown

2.17%of the home’s value each year

$6,412 a year for the typical owner in Middletown.

  • Middletown 2.17%
  • Lower Connecticut River Valley 1.67%
  • Connecticut 1.81%

What Connecticut publishes Deadline to appeal the assessment: February 20 (Connecticut General Assembly (General Statutes of Connecticut, Chapter 203))

Exemptions and deadlines in Connecticut

Flood risk in Lower Connecticut River Valley Planning Region

FEMA does not publish these numbers by city: they are for all of Lower Connecticut River Valley Planning Region.

Homes in the high-risk zone
7.9%
4,727
Of those, with NFIP insurance
42%
Region Connecticut U.S.
Homes in the high-risk zone 7.9% 3.1% 3.5%
Of those, with NFIP insurance 42% 51% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Middletown

Typical rent in Middletown is $1,446 a month: about the same as the planning region. In Middletown, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lower Connecticut River Valley Planning Region, by unit size. To pay the 2-bedroom one ($1,933 a month) without spending more than 30% of your income, you would need to earn $37.17 an hour working full time.

HUD fair market rent for all of Lower Connecticut River Valley Planning Region

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,346 $25.88 $53,840
1 bedroom $1,543 $29.67 $61,720
2 bedrooms $1,933 $37.17 $77,320
3 bedrooms $2,303 $44.29 $92,120
4 bedrooms $2,542 $48.88 $101,680

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Low-income apartments

Low-income apartments in Middletown

HUD lists 19 buildings with rents for lower incomes in Middletown. These are the largest.

  • Sbona Towers 40 Broad St, Middletown 06457 249 homes, 247 low-income · Run by Middletown Housing Authority · Average payment: $599 a month · Average wait: 8 months (860) 346-8671
  • South Green Apts 65 Church St, Middletown 06457 125 low-income homes · For older adults (860) 344-1361
  • Willowcrest Apts Stoneycrest DR, Middletown 151 homes, 119 low-income · 1 bd: 12 · 2 bd: 117 · 3 bd: 22
  • Wharfside Commons 30 Ferry St, Middletown 96 low-income homes · 1 bd: 16 · 2 bd: 48 · 3 bd: 32 · In service since 2007 · For families
  • Old Middletown High 251 Court St, Middletown 06457 65 low-income homes · For older adults (860) 638-3602

See all 27 buildings in Lower Connecticut River Valley Planning Region Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Middletown

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Lower Connecticut River Valley Planning Region. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Middletown

No down payment, repair or rent-help program on our list is for Middletown or Lower Connecticut River Valley Planning Region. The ones below are statewide in Connecticut: they work in Middletown the same as in the rest of the state.

Which programs do I qualify for? All programs in Connecticut

Housing counselors near Middletown

The HUD-approved agencies closest to the center of Middletown, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Capital for Change, Inc. (housing Counseling Office)

    10 Alexander Dr, Wallingford · 9 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (203) 624-7406

  • Neighborhood Housing Services of New Britain, Inc.

    223 Broad St, New Britain · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (860) 224-2433

  • NSC (naca Counseling Subsidiary) - Hartford CT

    241 Main St Fl 1, Hartford · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    203-562-6220-1385

All counseling agencies in Connecticut

Help in Spanish near Middletown

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Middletown

HUD’s record names them for Middletown or Lower Connecticut River Valley Planning Region. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Middletown Housing Authority Public housing and Section 8 vouchers (860) 346-8671

One other authority has an office in Lower Connecticut River Valley Planning Region: see the list Source: HUD

Cities

Other cities in Lower Connecticut River Valley Planning Region

These cities are also in Lower Connecticut River Valley Planning Region. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lower Connecticut River Valley Planning Region Housing in Connecticut

Nearby cities

The cities closest to Middletown, with the typical home value.

Neighboring counties

If Lower Connecticut River Valley Planning Region is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Middletown.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Middletown

Short answers with the numbers for Middletown and all of Lower Connecticut River Valley Planning Region. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Middletown?

The typical home value in Middletown is $295,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lower Connecticut River Valley Planning Region it is $379,700.

How much does it cost to rent in Middletown?

Typical rent in Middletown is $1,446 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lower Connecticut River Valley Planning Region is $1,933.

What is the FHA loan limit in Middletown?

Middletown uses the FHA limit for all of Lower Connecticut River Valley Planning Region (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Middletown?

The typical homeowner in Middletown pays $6,412 a year, according to the U.S. Census Bureau. That is 2.17% of the home’s value; in Lower Connecticut River Valley Planning Region, the rate is 1.67%.

Where can I find free help to buy or rent in Middletown?

We found no HUD-approved counseling agencies with an office in Lower Connecticut River Valley Planning Region; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).