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City · 8,155 residents · Plymouth County, Massachusetts

Middleborough Center , Massachusetts

In Middleborough Center, a typical home is worth $424,900 and typical rent is $1,737 a month. Compared with all of Plymouth County, the typical home value is 24% lower, typical household income is 15% lower, and the share of households that own their home is 25 points lower.

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  • Typical home value

    $424,900

    24% below the county

    24% below Massachusetts

    • Middleborough Center
    • Plymouth
    • Massachusetts

  • Typical rent

    $1,737a month

    About the same as the county

    About the same as Massachusetts

    • Middleborough Center
    • Plymouth
    • Massachusetts

  • Typical household income

    $97,616a year

    15% below the county

    6% below Massachusetts

    • Middleborough Center
    • Plymouth
    • Massachusetts

  • Households that own their home

    53%

    25 points below the county

    10 points below Massachusetts

    • Middleborough Center
    • Plymouth
    • Massachusetts

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

Middleborough Center is in Plymouth County. The FHA loan limit ($962,550 for a one-unit home), the fair market rents and the help on this page are those of all of Plymouth County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Middleborough Center apart

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

  1. 53% of households in Middleborough Center own their home, against 78% in Plymouth County.

  2. Nearby, in Taunton, the typical rent is $1,324: 24% less than in Middleborough Center ($1,737).

  3. The typical home in Middleborough Center is worth $424,900, 24% less than in Plymouth County as a whole ($556,000).

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

The homes here

Housing in Middleborough Center

What homes there are in Middleborough Center, 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 Middleborough Center are varied: detached houses are the largest group, at 43%, against 70% in Plymouth County.

Year built

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

$2,322 a month

Plymouth County: $2,799 a month

Without a mortgage

$983 a month

Plymouth County: $1,083 a month

Owners with a mortgage

76%

Plymouth County: 69%

Owning costs less in Middleborough Center: with a mortgage, the typical cost is $2,322 a month; in Plymouth County, $2,799. Without one, $983.

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

The typical home value in Middleborough Center rose 44% since 2015–2019, less than in Plymouth County (50%).

Much as in Plymouth County, the typical rent in Middleborough Center rose 36% since 2015–2019.

While home values in Middleborough Center changed +44% and rent +36%, the typical household income rose 47%.

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

MeasureMiddleborough CenterPlymouth CountyMassachusettsUnited States
Rental vacancy Unreliable estimate2.0%3.5%5.5%
Homeowner vacancy Unreliable estimate0.4%0.6%0.9%
More than one person per room Unreliable estimate2.0%2.3%3.4%
People per household 2.342.582.442.53
Drive alone 80%71%61%69%
Carpool Unreliable estimate7%7%9%
Public transit Unreliable estimate3%7%3%
Walk or bike Unreliable estimate2%5%3%
Work from home 11%16%19%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Middleborough Center are smaller: 2.34 people on average; in Plymouth County, 2.58.

To get to work, 80% of workers in Middleborough Center drive alone; in Plymouth County, 71%.

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 Middleborough Center?

A typical home costs more than the typical income allows

We start with a typical home in Middleborough Center, worth $424,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Middleborough Center, which is $97,616 a year. For that payment to be 28% of income, a household would need to earn about $156,344 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Middleborough Center. 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 $14,872 (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

$3,648

at 7.18% · 30 years

Loan amount
$417,203
Total interest
$600,258
Paid off in
November 2056

Includes $7,175 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,278 a month

  • Tight

    $2,278 to $2,928 a month

  • Hard

    more than $2,928 a month

    Your payment · 45%

Compared with the typical household income in Middleborough Center ($97,616 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,648
Principal & interest$2,826
Property tax$457
Home insurance$177
FHA mortgage insurance (MIP)$188

You need at least $14,872 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

Middleborough Center and Plymouth County

Middleborough Center is in Plymouth County, Massachusetts. 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).

Middleborough Center's own numbers

Typical home value
$424,900
Typical monthly rent
$1,737
Typical yearly household income
$97,616
Households that own their home
53%
Effective property tax rate
1.29%

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

Numbers for all of Plymouth County

FHA limit, one-unit home
$962,550
Conventional limit, one unit
$962,550
HUD fair market rent, 2 bedrooms
$2,409–$3,008
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
7.2%

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 Plymouth County.

Everything about Plymouth County

Buying

Buying a home in Middleborough Center

A typical home in Middleborough Center is worth $424,900: 24% below the county and 24% below Massachusetts. With the typical household income in Middleborough Center ($97,616 a year), a typical home costs 4.4 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.

  • Middleborough Center 4.4 years
  • Plymouth 4.9 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Plymouth County

According to FHFA’s house price index, home prices in Plymouth County rose 94% in the 10 years through 2025.

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

Period County Massachusetts U.S.
Last year (2025) +4.4% +3.7% +2.9%
5 years (2020–2025) +53% +49% +47%
10 years (2015–2025) +94% +87% +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

Middleborough Center next to Plymouth County, Massachusetts and the U.S.

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

Typical home value
  • Middleborough Center $424,900
  • Plymouth $556,000
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • Middleborough Center $1,737
  • Plymouth $1,747
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • Middleborough Center $97,616
  • Plymouth $114,201
  • Massachusetts $103,960
  • United States $80,734
See the full table
Middleborough Center next to Plymouth County and Massachusetts
Measure Middleborough Center Plymouth County Massachusetts U.S.
Typical home value $424,900 $556,000 $562,100 $332,700
Typical monthly rent $1,737 $1,747 $1,762 $1,413
Typical yearly household income $97,616 $114,201 $103,960 $80,734
Households that own their home 53% 78% 63% 65%
Typical yearly property tax $5,495 $6,502 $5,992 $3,119
Effective property tax rate 1.29% 1.17% 1.07% 0.94%
Renters with high rent for their income 56% 55% 52% 51%

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

For a typical $424,900 home in Middleborough Center, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Middleborough Center's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,648a month

    Least cash to close
    Down payment
    $14,872
    Cash to close
    $27,619
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $188

  • Conventional, 5% down $3,570a month

    Down payment
    $21,245
    Cash to close
    $33,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $202

  • Conventional, 20% down, no PMI $2,937a month

    Down payment
    $84,980
    Cash to close
    $97,727
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,329a month

    Down payment
    $63,735
    Cash to close
    $76,482
    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 Middleborough Center and for Plymouth County.

Property tax

Effective rate in Middleborough Center

1.29%of the home’s value each year

$5,495 a year for the typical owner in Middleborough Center.

  • Middleborough Center 1.29%
  • Plymouth 1.17%
  • Massachusetts 1.07%

What Massachusetts publishes Local senior exemption (clause 41C) (Massachusetts General Court (General Laws))

Exemptions and deadlines in Massachusetts

Flood risk in Plymouth County

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

Homes in the high-risk zone
7.2%
11,912
Of those, with NFIP insurance
52%
County Massachusetts U.S.
Homes in the high-risk zone 7.2% 3% 3.5%
Of those, with NFIP insurance 52% 50% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Middleborough Center

Typical rent in Middleborough Center is $1,737 a month: about the same as the county. In Middleborough Center, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Plymouth County. In Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area, the area where most people live, to pay the 2-bedroom one ($3,008 a month) without spending more than 30% of your income, you would need to earn $57.85 an hour working full time.

Fair market rent by size in Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area

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 $2,440 $46.92 $97,600
1 bedroom $2,518 $48.42 $100,720
2 bedrooms $3,008 $57.85 $120,320
3 bedrooms $3,584 $68.92 $143,360
4 bedrooms $3,953 $76.02 $158,120

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $2,409 to $3,008. The table by area, below, shows which one each town is in.

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

Fair market rent by HUD area in Plymouth County

HUD splits this county into 2 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area The area where most people live
13 towns in this area

Carver town, Duxbury town, Hanover town, Hingham town, Hull town, Kingston town, Marshfield town, Norwell town, Pembroke town, Plymouth town, Rockland town, Scituate town, Wareham town

 $2,440$2,518$3,008$3,584$3,953$57.85
Brockton, MA HUD Metro FMR Area
14 towns in this area

Abington town, Bridgewater city, Brockton city, East Bridgewater town, Halifax town, Hanson town, Lakeville town, Marion town, Mattapoisett town, Middleborough town, Plympton town, Rochester town, West Bridgewater town, Whitman town

 $1,678$1,842$2,409$3,015$3,166$46.33

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

By ZIP code

Fair market rent by ZIP code in Middleborough Center

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Middleborough Center is in ZIP code 02346.

For 2 bedrooms it is $2,650 in all of them.

  • 02346 $2,650$3,180
  • 02346 $2,650$3,180

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

Free help

Help to buy or rent in Middleborough Center

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Middleborough Center

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

Which programs do I qualify for? All programs in Massachusetts

  • MassHousing Down Payment Assistance

    Statewide in Massachusetts

    Massachusetts state agency second mortgage for the down payment: up to $30,000 at 0% and deferred, or up to $25,000 at 2% or 3% over 15 years, for first-time buyers with eligible income. Offered by MassHousing.

    DeferredRepayable

    See the program Official page

Housing counselors near Middleborough Center

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

  • Catholic Social Services - Fall River

    1600 Bay St, Fall River · 20 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (508) 674-4681

  • Neighborhood Housing Services of the South Shore DBA Neighborworks Housing Solutions

    422 Washington St, Quincy · 25 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (617) 770-2227

  • Quincy Community Action Programs, Inc.

    1509 Hancock St, Quincy · 25 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (617) 479-8181

All counseling agencies in Massachusetts

Help in Spanish near Middleborough Center

1 of the 3 agencies on this list says it serves 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 Middleborough Center

In HUD’s record, no housing authority with an office in Plymouth County is named for Middleborough Center or Plymouth County.

10 other authorities have an office in Plymouth County: see the list Source: HUD

Cities

Other cities in Plymouth County

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

Everything about Plymouth County Housing in Massachusetts

Nearby cities

The cities closest to Middleborough Center, with the typical home value.

Neighboring counties

If Plymouth 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 Middleborough Center.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Middleborough Center

Short answers with the numbers for Middleborough Center and all of Plymouth 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 Middleborough Center?

The typical home value in Middleborough Center is $424,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Plymouth County it is $556,000.

How much does it cost to rent in Middleborough Center?

Typical rent in Middleborough Center is $1,737 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Plymouth County is $2,409–$3,008.

What is the FHA loan limit in Middleborough Center?

Middleborough Center uses the FHA limit for all of Plymouth County (2026): $962,550 for a one-unit home and $1,851,100 for a four-unit home.

How much property tax do owners pay in Middleborough Center?

The typical homeowner in Middleborough Center pays $5,495 a year, according to the U.S. Census Bureau. That is 1.29% of the home’s value; in Plymouth County, the rate is 1.17%.

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

We found no HUD-approved counseling agencies with an office in Plymouth 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).