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City · 24,661 residents · New Castle County, Delaware

Middletown , Delaware

In Middletown, a typical home is worth $409,600 and typical rent is $1,583 a month. Compared with all of New Castle County, typical household income is 24% higher, the typical home value is 16% higher, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $409,600

    16% above the county

    16% above Delaware

    • Middletown
    • New Castle
    • Delaware

  • Typical rent

    $1,583a month

    9% above the county

    13% above Delaware

    • Middletown
    • New Castle
    • Delaware

  • Typical household income

    $112,831a year

    24% above the county

    33% above Delaware

    • Middletown
    • New Castle
    • Delaware

  • Households that own their home

    77%

    8 points above the county

    4 points above Delaware

    • Middletown
    • New Castle
    • Delaware

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

Market now, with Zillow data

Zillow data
Typical home value
$533,640
1.7% more than 12 months ago
Typical rent
$2,705 a month
3.5% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Middletown is in New Castle County. The FHA loan limit ($630,200 for a one-unit home), the fair market rents and the help on this page are those of all of New Castle County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Middletown apart

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

  1. Middletown has the smallest share of rent-burdened renters of the 19 cities in Delaware with more than 5,000 people: 26%.

  2. Nearby, in Brookside, the typical home value is $279,700: 32% less than in Middletown ($409,600).

  3. The typical household income in Middletown is $112,831, 24% more than in New Castle County as a whole ($91,166).

  4. The typical home in Middletown is worth $409,600, 16% more than in New Castle County as a whole ($352,200).

  5. 77% of households in Middletown own their home, against 69% in New Castle County.

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

As in New Castle County, most homes in Middletown are detached houses (54%).

Year built

Homes in Middletown are newer: the typical year built is 2005; in New Castle County, 1975.

Homes in Middletown are bigger: 78% have 3 bedrooms or more; in New Castle County, 68%.

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
Monthly rent with utilities

With a mortgage

$2,214 a month

New Castle County: $1,882 a month

Without a mortgage

$690 a month

New Castle County: $616 a month

Owners with a mortgage

71%

New Castle County: 67%

In Middletown, 71% of owners have a mortgage, and their typical cost is $2,214 a month, against $1,882 in New Castle County. Without one it drops to $690.

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

Much as in New Castle County, the typical home value in Middletown rose 36% since 2015–2019.

Much as in New Castle County, the typical rent in Middletown rose 26% since 2015–2019.

The typical household income in Middletown rose 25% over that time; home values changed +36% and rent +26%.

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

MeasureMiddletownNew Castle CountyDelawareUnited States
Rental vacancy Unreliable estimate5.0%5.0%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate2.0%2.1%3.4%
People per household 2.732.512.482.53
Drive alone 74%69%72%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate3%2%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 19%18%15%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.73 on average, against 2.51 in New Castle County.

To get to work, 74% of workers in Middletown drive alone; in New Castle County, 69%.

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 is tight for the typical income

We start with a typical home in Middletown, worth $409,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Middletown, which is $112,831 a year. For that payment to be 28% of income, a household would need to earn about $141,206 a year.

The calculator's FHA and conventional loan limits are those of all of New Castle County.

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 $14,336 (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

$3,295

at 7.18% · 30 years

Loan amount
$402,181
Total interest
$578,644
Paid off in
November 2056

Includes $6,917 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,633 a month

  • Tight

    $2,633 to $3,385 a month

    Your payment · 35%

  • Hard

    more than $3,385 a month

Compared with the typical household income in Middletown ($112,831 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,295
Principal & interest$2,725
Property tax$218
Home insurance$171
FHA mortgage insurance (MIP)$181

You need at least $14,336 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 New Castle County

Middletown is in New Castle County, Delaware. 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
$409,600
Typical monthly rent
$1,583
Typical yearly household income
$112,831
Households that own their home
77%
Effective property tax rate
0.64%

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

Numbers for all of New Castle County

FHA limit, one-unit home
$630,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,860
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
1.1%

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 New Castle County.

Everything about New Castle County

Buying

Buying a home in Middletown

A typical home in Middletown is worth $409,600: 16% above the county and 16% above Delaware. With the typical household income in Middletown ($112,831 a year), a typical home costs 3.6 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 3.6 years
  • New Castle 3.9 years
  • Delaware 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in New Castle County

According to FHFA’s house price index, home prices in New Castle County rose 72% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of New Castle County.

Period County Delaware U.S.
Last year (2025) +2.8% +3.2% +2.9%
5 years (2020–2025) +50% +51% +47%
10 years (2015–2025) +72% +74% +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 New Castle County, Delaware and the U.S.

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

Typical home value
  • Middletown $409,600
  • New Castle $352,200
  • Delaware $352,000
  • United States $332,700
Typical monthly rent
  • Middletown $1,583
  • New Castle $1,448
  • Delaware $1,401
  • United States $1,413
Typical yearly household income
  • Middletown $112,831
  • New Castle $91,166
  • Delaware $84,954
  • United States $80,734
See the full table
Middletown next to New Castle County and Delaware
Measure Middletown New Castle County Delaware U.S.
Typical home value $409,600 $352,200 $352,000 $332,700
Typical monthly rent $1,583 $1,448 $1,401 $1,413
Typical yearly household income $112,831 $91,166 $84,954 $80,734
Households that own their home 77% 69% 73% 65%
Typical yearly property tax $2,632 $2,499 $1,768 $3,119
Effective property tax rate 0.64% 0.71% 0.5% 0.94%
Renters with high rent for their income 26% 48% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below New Castle County. “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 $409,600 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 $3,295a month

    Least cash to close
    Down payment
    $14,336
    Cash to close
    $26,624
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $181

  • Conventional, 5% down $3,220a month

    Down payment
    $20,480
    Cash to close
    $32,768
    Rate
    7.18%
    Mortgage insurance
    PMI · $195

  • Conventional, 20% down, no PMI $2,609a month

    Down payment
    $81,920
    Cash to close
    $94,208
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,988a month

    Down payment
    $61,440
    Cash to close
    $73,728
    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 New Castle County.

Property tax

Effective rate in Middletown

0.64%of the home’s value each year

$2,632 a year for the typical owner in Middletown.

  • Middletown 0.64%
  • New Castle 0.71%
  • Delaware 0.5%

What Delaware publishes School property tax credit for owners 65 and older (Delaware Department of Finance)

Exemptions and deadlines in Delaware

Flood risk in New Castle County

FEMA does not publish these numbers by city: they are for all of New Castle County.

Homes in the high-risk zone
1.1%
2,006
Of those, with NFIP insurance
45%
County Delaware U.S.
Homes in the high-risk zone 1.1% 5.7% 3.5%
Of those, with NFIP insurance 45% 58% 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 $1,583 a month: 9% above the county. In Middletown, 26% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of New Castle County, by unit size. To pay the 2-bedroom one ($1,860 a month) without spending more than 30% of your income, you would need to earn $35.77 an hour working full time.

HUD fair market rent for all of New Castle County

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 $1,438 $27.65 $57,520
1 bedroom $1,558 $29.96 $62,320
2 bedrooms $1,860 $35.77 $74,400
3 bedrooms $2,216 $42.62 $88,640
4 bedrooms $2,445 $47.02 $97,800

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

By ZIP code

Fair market rent by ZIP code in Middletown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Middletown is in ZIP code 19709.

For 2 bedrooms it is $2,020: $160 more than the fair market rent for New Castle County ($1,860).

  • 19709 $2,020$2,410

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Middletown when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Middletown

HUD lists 7 buildings with rents for lower incomes in Middletown. These are the largest.

  • Fairfield Commons 100 Fairfield Ct, Middletown 19709 81 homes, 80 low-income · In service since 1997
  • Greenlawn Apartments 910 Janvier Ct, Middletown 19709 70 low-income homes · In service since 1997
  • Middletown Trace Apartments 66 New St, Middletown 19709 65 low-income homes · For families (302) 378-4611
  • Middletown Trace Apartments 67 New St, Middletown 19709 66 homes, 63 low-income · 1 bd: 30 · 2 bd: 15 · 3 bd: 20 · In service since 2008
  • North Lake Village 400 N Catherine St, Middletown 19709 42 low-income homes · For families (302) 378-0878

See all 132 buildings in New Castle County 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.

There are 6 HUD-approved agencies with an office in New Castle County; 2 say they serve in Spanish.

An older man and his daughter go over papers with a professional.

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 New Castle County. The ones below are statewide in Delaware: they work in Middletown the same as in the rest of the state.

Which programs do I qualify for? All programs in Delaware

  • Home Sweet Home

    Statewide in Delaware

    Delaware state authority second loan of $12,000 at 0%, forgiven 10% for each year you live in the home (all of it after 10 years), for homes up to $285,000; the agency announced it as a temporary program. Offered by Delaware State Housing Authority (DSHA).

    Forgivable

    See the program Official page

  • Keys4You Home Loan

    Statewide in Delaware

    Delaware state authority 0% second mortgage equal to 4% of your mortgage, for the down payment and closing costs, with no monthly payments until you sell, refinance or stop living in the home; with the Welcome Home (first-time buyers) or Open Door (any buyer) mortgages. Offered by Delaware State Housing Authority (DSHA).

    Deferred

    See the program Official page

  • Take5 Home Loan

    Statewide in Delaware

    Delaware state authority 0% second mortgage equal to 5% of your mortgage, for the down payment and closing costs, with no monthly payments until you sell, refinance or stop living in the home; only with the Welcome Home mortgage for first-time buyers. Offered by Delaware State Housing Authority (DSHA).

    Deferred

    See the program Official page

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.

  • Neighborgood Partners - Newark Branch

    501 Ogletown Road, Room 306, Newark · 17 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (302) 678-9400

  • Neighborgood Partners

    363 Saulsbury Rd, Dover · 21 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (302) 678-9400

  • Neighborhood House, Incorporated

    1218 B St, Wilmington · 22 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (302) 658-5404

Every agency in New Castle County All counseling agencies in Delaware

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 New Castle County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • New Castle County Housing Authority Section 8 vouchers (302) 395-5672

2 other authorities have an office in New Castle County: see the list Source: HUD

Cities

Other cities in New Castle County

These cities are also in New Castle County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about New Castle County Housing in Delaware
See 2 more cities in New Castle County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If New Castle County 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
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Middletown

Short answers with the numbers for Middletown and all of New Castle County. 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 $409,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in New Castle County it is $352,200.

How much does it cost to rent in Middletown?

Typical rent in Middletown is $1,583 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in New Castle County is $1,860.

What is the FHA loan limit in Middletown?

Middletown uses the FHA limit for all of New Castle County (2026): $630,200 for a one-unit home and $1,211,950 for a four-unit home.

How much property tax do owners pay in Middletown?

The typical homeowner in Middletown pays $2,632 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in New Castle County, the rate is 0.71%.

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

There are 6 HUD-approved counseling agencies with an office in New Castle County. 2 say they serve in Spanish. 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); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); 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).