In Middletown, a typical home is worth $308,600 and typical rent is $1,661 a month. Compared with all of Orange County, the typical home value is 20% lower, typical household income is 18% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $303,042 to $416,769.
Typical rent
$2,442a month
▲ 6.5% more than 12 months ago
Typical rent from Zillow, December 2021 to September 2026: from $2,035 to $2,442.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Middletown is in Orange County. 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 Orange County. See the county
What this place has that others do not, from public data, most unusual first.
1
52% of households in Middletown own their home, against 68% in Orange County.
2
Nearby, in Warwick, the typical rent is $1,296: 22% less than in Middletown ($1,661).
3
The typical home in Middletown is worth $308,600,20% less than in Orange County as a whole ($387,900).
4
The typical household income in Middletown is $79,346,18% less than in Orange County as a whole ($97,178).
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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Middletown
Orange County
New York
United States
Kind of home: Middletown and its comparisons
Measure
Middletown
Orange County
New York
United States
Detached house
48%
61%
41%
61%
Attached house
8%
8%
6%
6%
Building of 2 to 4
21%
12%
17%
8%
Apartments (5 or more)
23%
18%
35%
19%
Mobile home
Unreliable estimate
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Middletown are varied: detached houses are the largest group, at 48%, against 61% in Orange County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Middletown
Orange County
New York
United States
Year built: Middletown and its comparisons
Measure
Middletown
Orange County
New York
United States
Before 1960
50%
35%
52%
26%
1960–1979
18%
21%
22%
24%
1980–1999
14%
23%
14%
25%
2000–2009
9%
12%
6%
14%
2010 or later
9%
9%
6%
11%
In Middletown, half of the homes were built before 1960; in Orange County, before 1975.
There are fewer big homes in Middletown than in Orange County: 49% have 3 bedrooms or more, against 65%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K10%
$200K–$300K31%
$300K–$500K48%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Middletown and its comparisons
Measure
Middletown
Under $100K
Unreliable estimate
$100K–$200K
10%
$200K–$300K
31%
$300K–$500K
48%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99912%
$1,000–$1,49925%
$1,500–$1,99927%
$2,000–$2,49922%
$2,500–$2,9994%
$3,000 or moreUnreliable
Monthly rent with utilities: Middletown and its comparisons
Measure
Middletown
Under $500
Unreliable estimate
$500–$999
12%
$1,000–$1,499
25%
$1,500–$1,999
27%
$2,000–$2,499
22%
$2,500–$2,999
4%
$3,000 or more
Unreliable estimate
With a mortgage
$2,294 a month
Orange County: $2,664 a month
Without a mortgage
$793 a month
Orange County: $1,140 a month
Owners with a mortgage
69%
Orange County: 67%
In Middletown, 69% of owners have a mortgage, and their typical cost is $2,294 a month, against $2,664 in Orange County. Without one it drops to $793.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Middletown+70%
Orange County+43%
New York+35%
United States+53%
Typical rent
Middletown+35%
Orange County+33%
New York+27%
United States+33%
Typical household income
Middletown+44%
Orange County+22%
New York+26%
United States+29%
Change since 2015–2019: Middletown and its comparisons
Measure
Middletown
Orange County
New York
United States
Typical home value
+70%
+43%
+35%
+53%
Typical rent
+35%
+33%
+27%
+33%
Typical household income
+44%
+22%
+26%
+29%
Since 2015–2019, homes in Middletown gained value faster than in Orange County: 70% against 43%.
The typical rent in Middletown rose 35% since 2015–2019, about the same as in Orange County (33%).
While home values in Middletown changed +70% and rent +35%, the typical household income rose 44%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Middletown and its comparisons
Measure
Middletown
Orange County
New York
United States
Rental vacancy
Unreliable estimate
3.8%
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
1.1%
0.9%
More than one person per room
5.0%
3.7%
5.3%
3.4%
People per household
2.98
2.84
2.49
2.53
Drive alone
65%
67%
49%
69%
Carpool
18%
10%
6%
9%
Public transit
5%
5%
22%
3%
Walk or bike
2%
4%
6%
3%
Work from home
6%
13%
15%
15%
Other means
4%
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 5.0% of households in Middletown live, more than in Orange County (3.7%).
A household in Middletown has 2.98 people on average, about the same as in Orange County (2.84).
In Middletown, 18% of workers share a car to get to work; in Orange County, 10%.
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 $308,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Middletown, which is $79,346 a year. For that payment to be 28% of income, a household would need to earn about $123,470 a year.
The calculator's FHA and conventional loan limits are those of all of Orange County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Middletown. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,801 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,881
at 7.18% · 30 years
Loan amount
$303,010
Total interest
$435,961
Paid off in
November 2056
Includes $5,211 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,851 a month
Tight
$1,851 to $2,380 a month
Hard
more than $2,380 a month
Your payment · 44%
Compared with the typical household income in Middletown ($79,346 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,053
Property tax
$563
Home insurance
$129
FHA mortgage insurance (MIP)
$136
You need at least $10,801 for the down payment, plus closing costs.
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.
Total monthly payment $2,881; principal and interest $2,053.
The city and its county
Middletown and Orange County
Middletown is in Orange County, New York. 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
Map of Orange County, New York, with Middletown marked. Around it, the neighboring counties.
Middletown
Orange County
Other cities with a page
Middletown's own numbers
Typical home value
$308,600
Typical monthly rent
$1,661
Typical yearly household income
$79,346
Households that own their home
52%
Effective property tax rate
2.19%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Orange County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,131
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
1.8%
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 Orange County.
A typical home in Middletown is worth $308,600: 20% below the county and 27% below New York. With the typical household income in Middletown ($79,346 a year), a typical home costs 3.9 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.
Middletown3.9 years
Orange4.0 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Orange County
According to FHFA’s house price index, home prices in Orange County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Orange County.
Yearly change in FHFA’s price index in Orange County, 2016 to 2025
2016: +0.8% +0.8% 2016
2017: +4.0% +4.0% 2017
2018: +7.1% +7.1% 2018
2019: +5.4% +5.4% 2019
2020: +4.9% +4.9% 2020
2021: +14.4% +14.4% 2021
2022: +16.7% +16.7% 2022
2023: +8.1% +8.1% 2023
2024: +5.7% +5.7% 2024
2025: +6.2% +6.2% 2025
Change in FHFA’s price index in Orange County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+6.2%
+6.0%
+2.9%
5 years (2020–2025)
+62%
+52%
+47%
10 years (2015–2025)
+101%
+86%
+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 Orange County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Middletown$308,600
Orange$387,900
New York$423,800
United States$332,700
Typical monthly rent
Middletown$1,661
Orange$1,680
New York$1,621
United States$1,413
Typical yearly household income
Middletown$79,346
Orange$97,178
New York$85,974
United States$80,734
See the full table
Middletown next to Orange County and New York
Measure
Middletown
Orange County
New York
U.S.
Typical home value
$308,600 ▼20% below the county
$387,900
$423,800
$332,700
Typical monthly rent
$1,661
$1,680
$1,621
$1,413
Typical yearly household income
$79,346 ▼18% below the county
$97,178
$85,974
$80,734
Households that own their home
52% ▼16 points below the county
68%
54%
65%
Typical yearly property tax
$6,773 ▼20% below the county
$8,494
$6,582
$3,119
Effective property tax rate
2.19%
2.19%
1.55%
0.94%
Renters with high rent for their income
55% ▼2 points below the county
57%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orange 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 $308,600 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$2,881a month
Least cash to close
Down payment
$10,801
Cash to close
$20,059
Rate
7.18%
Mortgage insurance
FHA MIP · $136
Conventional, 5% down$2,824a month
Down payment
$15,430
Cash to close
$24,688
Rate
7.18%
Mortgage insurance
PMI · $147
Conventional, 20% down, no PMI$2,364a month
Down payment
$61,720
Cash to close
$70,978
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,650a month
Down payment
$46,290
Cash to close
$55,548
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Middletown
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,881
$10,801
$303,010
7.18%
FHA MIP · $136
$20,059
580
Conventional, 5% down
$2,824
$15,430
$293,170
7.18%
PMI · $147
$24,688
620*
Conventional, 20% down, no PMI
$2,364
$61,720
$246,880
7.18%
None
$70,978
620*
ITIN, 15% down (example)
$2,650
$46,290
$262,310
8.18%
None
$55,548
Set by the lender
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.
Typical rent in Middletown is $1,661 a month: about the same as the county. In Middletown, 55% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Orange County, by unit size. To pay the 2-bedroom one ($2,131 a month) without spending more than 30% of your income, you would need to earn $40.98 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orange County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,484
$28.54
$59,360
1 bedroom
$1,659
$31.90
$66,360
2 bedrooms
$2,131
$40.98
$85,240
3 bedrooms
$2,685
$51.63
$107,400
4 bedrooms
$2,824
$54.31
$112,960
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 10940.
For 2 bedrooms it is $2,160: $29 more than the fair market rent for Orange County ($2,131).
Fair market rent by ZIP code and size in Middletown, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
10940
$1,500
$1,680
$2,160
$2,720
$2,860
ZIP code2 bd3 bd
10940 $2,160$2,720
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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 18 buildings with rents for lower incomes in Middletown. These are the largest.
Summitfield Housing11 Sweezy Ave, Middletown 10940199 low-income homes · Studio: 23 · 1 bd: 25 · 2 bd: 60 · 3 bd: 69 · 4 bd: 22 · In service since 2008 · For older adults, people with disabilities, families
Country View Manor203 Genung St, Middletown 10940160 low-income homes · 1 bd: 30 · 2 bd: 90 · 3 bd: 40 · In service since 1996 · For people with disabilities, families
Tall Oaks1 Tall Oaks Dr, Middletown 10940150 homes, 139 low-income · 1 bd: 46 · 2 bd: 58 · 3 bd: 46 · In service since 2005 · For families
Wallkill Living Center455 Schutt Road Ext, Middletown 10940136 homes, 116 low-income · 1 bd: 58 · 2 bd: 58 · In service since 2003 · For older adults
Middlecrest Crossing Senior Apts II74 Uhlig Rd, Middletown 10940100 low-income homes · 1 bd: 46 · 2 bd: 54 · In service since 2007 · For older adults
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 2 HUD-approved agencies with an office in Orange County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Middletown or Orange County. The ones below are statewide in New York: they work in Middletown the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Middletown or Orange County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Middletown and all of Orange 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 $308,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $387,900.
How much does it cost to rent in Middletown?
Typical rent in Middletown is $1,661 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $2,131.
What is the FHA loan limit in Middletown?
Middletown uses the FHA limit for all of Orange County (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 $6,773 a year, according to the U.S. Census Bureau. That is 2.19% of the home’s value; in Orange County, the rate is 2.19%.
Where can I find free help to buy or rent in Middletown?
There are 2 HUD-approved counseling agencies with an office in Orange County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
