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City · 11,644 residents · Clay County, Florida

Middleburg , Florida

In Middleburg, a typical home is worth $254,600 and typical rent is $1,093 a month. Compared with all of Clay County, typical rent is 30% lower, the typical home value is 19% lower, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $254,600

    19% below the county

    29% below Florida

    • Middleburg
    • Clay
    • Florida

  • Typical rent

    $1,093a month

    30% below the county

    35% below Florida

    • Middleburg
    • Clay
    • Florida

  • Typical household income

    $74,634a year

    15% below the county

    About the same as Florida

    • Middleburg
    • Clay
    • Florida

  • Households that own their home

    87%

    11 points above the county

    20 points above Florida

    • Middleburg
    • Clay
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$324,571
0.5% less than 12 months ago
Typical rent
$1,940 a month
2.2% more than 12 months ago

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

Middleburg is in Clay County. The FHA loan limit ($580,750 for a one-unit home), the fair market rents and the help on this page are those of all of Clay County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Middleburg apart

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

  1. Middleburg has the 6th smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (36%).

  2. The typical rent in Middleburg is $1,093 a month, 30% less than in Clay County as a whole ($1,551).

  3. The typical home in Middleburg is worth $254,600, 19% less than in Clay County as a whole ($312,500).

  4. 87% of households in Middleburg own their home, against 76% in Clay County.

  5. The typical household income in Middleburg is $74,634, 15% less than in Clay County as a whole ($87,820).

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

The homes here

Housing in Middleburg

What homes there are in Middleburg, 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

Detached houses are the majority in Middleburg (56%), but less so than in Clay County (74%).

There are more mobile homes here than in Clay County: 41% of homes, against 11%.

Year built

In Middleburg, half of the homes were built before 1994; in Clay County, before 1996.

Homes in Middleburg are bigger: 85% have 3 bedrooms or more; in Clay County, 81%.

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

With an FHA limit of $580,750, at least 96% of owner-occupied homes in Middleburg sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,442 a month

Clay County: $1,748 a month

Without a mortgage

$348 a month

Clay County: $513 a month

Owners with a mortgage

63%

Clay County: 65%

Owning costs less in Middleburg: with a mortgage, the typical cost is $1,442 a month; in Clay County, $1,748. Without one, $348.

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

From 2015–2019 to 2020–2024, the typical home value in Middleburg rose 83%; in Clay County, it rose 69%.

Rent in Middleburg moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureMiddleburgClay CountyFloridaUnited States
Rental vacancy Unreliable estimate2.0%7.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.4%0.9%
More than one person per room Unreliable estimate1.7%3.3%3.4%
People per household 2.552.692.512.53
Drive alone 77%72%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 12%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Middleburg has 2.55 people, fewer than in Clay County (2.69).

To get to work, 77% of workers in Middleburg drive alone; in Clay County, 72%.

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 Middleburg?

A typical home is tight for the typical income

We start with a typical home in Middleburg, worth $254,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Middleburg, which is $74,634 a year. For that payment to be 28% of income, a household would need to earn about $86,953 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Middleburg. 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 $8,911 (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

$2,029

at 7.18% · 30 years

Loan amount
$249,989
Total interest
$359,675
Paid off in
November 2056

Includes $4,300 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,741 a month

  • Tight

    $1,741 to $2,239 a month

    Your payment · 33%

  • Hard

    more than $2,239 a month

Compared with the typical household income in Middleburg ($74,634 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,029
Principal & interest$1,694
Property tax$117
Home insurance$106
FHA mortgage insurance (MIP)$113

You need at least $8,911 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

Middleburg and Clay County

Middleburg is in Clay County, Florida. 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).

Middleburg's own numbers

Typical home value
$254,600
Typical monthly rent
$1,093
Typical yearly household income
$74,634
Households that own their home
87%
Effective property tax rate
0.55%

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

Numbers for all of Clay County

FHA limit, one-unit home
$580,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,694
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
4.4%

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 Clay County.

Everything about Clay County

Buying

Buying a home in Middleburg

A typical home in Middleburg is worth $254,600: 19% below the county and 29% below Florida. With the typical household income in Middleburg ($74,634 a year), a typical home costs 3.4 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.

  • Middleburg 3.4 years
  • Clay 3.6 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clay County

According to FHFA’s house price index, home prices in Clay County rose 123% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) +0.3% −0.5% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +123% +127% +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

Middleburg next to Clay County, Florida and the U.S.

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

Typical home value
  • Middleburg $254,600
  • Clay $312,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Middleburg $1,093
  • Clay $1,551
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Middleburg $74,634
  • Clay $87,820
  • Florida $74,568
  • United States $80,734
See the full table
Middleburg next to Clay County and Florida
Measure Middleburg Clay County Florida U.S.
Typical home value $254,600 $312,500 $359,000 $332,700
Typical monthly rent $1,093 $1,551 $1,669 $1,413
Typical yearly household income $74,634 $87,820 $74,568 $80,734
Households that own their home 87% 76% 68% 65%
Typical yearly property tax $1,396 $2,241 $2,730 $3,119
Effective property tax rate 0.55% 0.72% 0.76% 0.94%
Renters with high rent for their income 36% 50% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clay 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 Middleburg

For a typical $254,600 home in Middleburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Middleburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,029a month

    Least cash to close
    Down payment
    $8,911
    Cash to close
    $16,549
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $113

  • Conventional, 5% down $1,982a month

    Down payment
    $12,730
    Cash to close
    $20,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $121

  • Conventional, 20% down, no PMI $1,603a month

    Down payment
    $50,920
    Cash to close
    $58,558
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,838a month

    Down payment
    $38,190
    Cash to close
    $45,828
    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 Middleburg and for Clay County.

Property tax

Effective rate in Middleburg

0.55%of the home’s value each year

$1,396 a year for the typical owner in Middleburg.

  • Middleburg 0.55%
  • Clay 0.72%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Clay County

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

Homes in the high-risk zone
4.4%
3,451
Of those, with NFIP insurance
48%
County Florida U.S.
Homes in the high-risk zone 4.4% 13% 3.5%
Of those, with NFIP insurance 48% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Middleburg

Typical rent in Middleburg is $1,093 a month: 30% below the county. In Middleburg, 36% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clay County, by unit size. To pay the 2-bedroom one ($1,694 a month) without spending more than 30% of your income, you would need to earn $32.58 an hour working full time.

HUD fair market rent for all of Clay 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 $1,401 $26.94 $56,040
1 bedroom $1,421 $27.33 $56,840
2 bedrooms $1,694 $32.58 $67,760
3 bedrooms $2,077 $39.94 $83,080
4 bedrooms $2,594 $49.88 $103,760

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 Middleburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Middleburg is in ZIP code 32068.

For 2 bedrooms it is $1,630: $64 less than the fair market rent for Clay County ($1,694).

  • 32068 $1,630$2,000

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Middleburg 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 Middleburg

HUD lists 3 buildings with rents for lower incomes in Middleburg. These are the largest.

  • Hunter's Run 1535 Blanding Blvd, Middleburg 32068 304 low-income homes · 1 bd: 84 · 2 bd: 152 · 3 bd: 68 · In service since 2003
  • Macie Creek 3525 Macie Loop, Middleburg 32068 96 low-income homes · 1 bd: 48 · 2 bd: 48 · In service since 2020 · For families
  • Cassie Gardens 534 College Dr, Middleburg 32068 96 homes · 1 bd: 66 · 2 bd: 30 · In service since 2019 · For older adults, families

See all 8 buildings in Clay County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Middleburg

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 Clay County. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Middleburg

No down payment, repair or rent-help program on our list is for Middleburg or Clay County. The ones below are statewide in Florida: they work in Middleburg the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Middleburg

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

  • Wealth Watchers, Inc

    5310 Lenox Ave Ste 4, Jacksonville · 21 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (904) 265-4736

  • Credit.org - Jacksonville, FL Branch

    4720 Salisbury Rd, Jacksonville · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (800) 431-8157

  • Jacksonville Area Legal Aid, Inc.

    126 W Adams St, Jacksonville · 24 miles away · Spanish

    Also serves in American Sign Language (ASL), Creole, French, and Hindi.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (904) 356-8371

All counseling agencies in Florida

Help in Spanish near Middleburg

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 Middleburg

HUD lists no housing authority with an office in Clay County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Florida Source: HUD

Cities

Other cities in Clay County

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

Everything about Clay County Housing in Florida

Nearby cities

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

Neighboring counties

If Clay 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 Middleburg.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Middleburg

Short answers with the numbers for Middleburg and all of Clay 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 Middleburg?

The typical home value in Middleburg is $254,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clay County it is $312,500.

How much does it cost to rent in Middleburg?

Typical rent in Middleburg is $1,093 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clay County is $1,694.

What is the FHA loan limit in Middleburg?

Middleburg uses the FHA limit for all of Clay County (2026): $580,750 for a one-unit home and $1,116,850 for a four-unit home.

How much property tax do owners pay in Middleburg?

The typical homeowner in Middleburg pays $1,396 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Clay County, the rate is 0.72%.

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

We found no HUD-approved counseling agencies with an office in Clay County; 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); 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).