In Middletown, a typical home is worth $164,400 and typical rent is $1,007 a month. Compared with all of Butler County, the typical home value is 36% lower, typical household income is 30% 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 $195,297 to $259,898.
Typical rent
$1,287a month
▲ 2.7% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,018 to $1,287.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Middletown is in Butler 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 Butler County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Middletown is worth $164,400,36% less than in Butler County as a whole ($258,500).
2
54% of households in Middletown own their home, against 70% in Butler County.
3
The typical household income in Middletown is $57,102,30% less than in Butler County as a whole ($81,590).
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
Butler County
Ohio
United States
Kind of home: Middletown and its comparisons
Measure
Middletown
Butler County
Ohio
United States
Detached house
66%
72%
69%
61%
Attached house
6%
5%
5%
6%
Building of 2 to 4
11%
7%
8%
8%
Apartments (5 or more)
16%
13%
15%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Middletown (66%), but less so than in Butler County (72%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Middletown
Butler County
Ohio
United States
Year built: Middletown and its comparisons
Measure
Middletown
Butler County
Ohio
United States
Before 1960
44%
26%
38%
26%
1960–1979
29%
26%
26%
24%
1980–1999
15%
26%
20%
25%
2000–2009
6%
14%
10%
14%
2010 or later
5%
8%
7%
11%
Homes in Middletown are older: the typical year built is 1965; in Butler County, 1979.
There are fewer big homes in Middletown than in Butler County: 53% have 3 bedrooms or more, against 67%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K22%
$100K–$200K41%
$200K–$300K23%
$300K–$500K10%
$500K–$750K3%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Middletown and its comparisons
Measure
Middletown
Under $100K
22%
$100K–$200K
41%
$200K–$300K
23%
$300K–$500K
10%
$500K–$750K
3%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Butler County is $541,287, and about 97% of owner-occupied homes in Middletown are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5007%
$500–$99943%
$1,000–$1,49940%
HUD fair market rent, 2 bedrooms: $1,442
$1,500–$1,9998%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Middletown and its comparisons
Measure
Middletown
Under $500
7%
$500–$999
43%
$1,000–$1,499
40%
$1,500–$1,999
8%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Butler County is $1,442; about 85% of rents in Middletown are below it.
With a mortgage
$1,358 a month
Butler County: $1,665 a month
Without a mortgage
$562 a month
Butler County: $619 a month
Owners with a mortgage
58%
Butler County: 65%
In Middletown, 58% of owners have a mortgage, and their typical cost is $1,358 a month, against $1,665 in Butler County. Without one it drops to $562.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Middletown+68%
Butler County+50%
Ohio+47%
United States+53%
Typical rent
Middletown+28%
Butler County+29%
Ohio+28%
United States+33%
Typical household income
Middletown+42%
Butler County+23%
Ohio+26%
United States+29%
Change since 2015–2019: Middletown and its comparisons
Measure
Middletown
Butler County
Ohio
United States
Typical home value
+68%
+50%
+47%
+53%
Typical rent
+28%
+29%
+28%
+33%
Typical household income
+42%
+23%
+26%
+29%
The typical home value in Middletown rose 68% since 2015–2019, more than in Butler County (50%).
Rents in Middletown rose at about the same pace as in Butler County: 28% since 2015–2019, against 29%.
While home values in Middletown changed +68% and rent +28%, the typical household income rose 42%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Middletown and its comparisons
Measure
Middletown
Butler County
Ohio
United States
Rental vacancy
3.1%
4.5%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
2.4%
1.8%
1.5%
3.4%
People per household
2.38
2.60
2.37
2.53
Drive alone
79%
75%
75%
69%
Carpool
9%
8%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
9%
13%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Middletown is 3.1%, lower than in Butler County (4.5%).
In Middletown, 2.4% of households live with more than one person per room, about the same as in Butler County.
Fewer people live in each home here: 2.38 on average, against 2.60 in Butler County.
The car rules in Middletown: 79% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
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 $164,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Middletown, which is $57,102 a year. For that payment to be 28% of income, a household would need to earn about $60,257 a year.
The calculator's FHA and conventional loan limits are those of all of Butler 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 $5,754 (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
$1,406
at 7.18% · 30 years
Loan amount
$161,422
Total interest
$232,249
Paid off in
November 2056
Includes $2,776 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,332 a month
Tight
$1,332 to $1,713 a month
Your payment · 30%
Hard
more than $1,713 a month
Compared with the typical household income in Middletown ($57,102 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,094
Property tax
$171
Home insurance
$69
FHA mortgage insurance (MIP)
$73
You need at least $5,754 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 $1,406; principal and interest $1,094.
The city and its county
Middletown and Butler County
Middletown is in Butler County, Ohio. 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 Butler County, Ohio, with Middletown marked. Around it, the neighboring counties.
Middletown
Butler County
Other cities with a page
Middletown's own numbers
Typical home value
$164,400
Typical monthly rent
$1,007
Typical yearly household income
$57,102
Households that own their home
54%
Effective property tax rate
1.25%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Butler County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.4%
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 Butler County.
A typical home in Middletown is worth $164,400: 36% below the county and 23% below Ohio. With the typical household income in Middletown ($57,102 a year), a typical home costs 2.9 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.
Middletown2.9 years
Butler3.2 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Butler County
According to FHFA’s house price index, home prices in Butler County rose 104% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Butler County.
Yearly change in FHFA’s price index in Butler County, 2016 to 2025
2016: +3.6% +3.6% 2016
2017: +5.8% +5.8% 2017
2018: +6.2% +6.2% 2018
2019: +5.2% +5.2% 2019
2020: +4.4% +4.4% 2020
2021: +12.2% +12.2% 2021
2022: +15.8% +15.8% 2022
2023: +9.5% +9.5% 2023
2024: +6.5% +6.5% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Butler County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.1%
+4.8%
+2.9%
5 years (2020–2025)
+59%
+53%
+47%
10 years (2015–2025)
+104%
+93%
+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 Butler County, Ohio and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Middletown$164,400
Butler$258,500
Ohio$214,800
United States$332,700
Typical monthly rent
Middletown$1,007
Butler$1,135
Ohio$1,034
United States$1,413
Typical yearly household income
Middletown$57,102
Butler$81,590
Ohio$71,389
United States$80,734
See the full table
Middletown next to Butler County and Ohio
Measure
Middletown
Butler County
Ohio
U.S.
Typical home value
$164,400 ▼36% below the county
$258,500
$214,800
$332,700
Typical monthly rent
$1,007 ▼11% below the county
$1,135
$1,034
$1,413
Typical yearly household income
$57,102 ▼30% below the county
$81,590
$71,389
$80,734
Households that own their home
54% ▼16 points below the county
70%
67%
65%
Typical yearly property tax
$2,052 ▼35% below the county
$3,141
$2,822
$3,119
Effective property tax rate
1.25% ▲0.03 points above the county
1.22%
1.31%
0.94%
Renters with high rent for their income
52% ▲4 points above the county
48%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Butler 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 $164,400 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$1,406a month
Least cash to close
Down payment
$5,754
Cash to close
$10,686
Rate
7.18%
Mortgage insurance
FHA MIP · $73
Conventional, 5% down$1,376a month
Down payment
$8,220
Cash to close
$13,152
Rate
7.18%
Mortgage insurance
PMI · $78
Conventional, 20% down, no PMI$1,131a month
Down payment
$32,880
Cash to close
$37,812
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,283a month
Down payment
$24,660
Cash to close
$29,592
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
$1,406
$5,754
$161,422
7.18%
FHA MIP · $73
$10,686
580
Conventional, 5% down
$1,376
$8,220
$156,180
7.18%
PMI · $78
$13,152
620*
Conventional, 20% down, no PMI
$1,131
$32,880
$131,520
7.18%
None
$37,812
620*
ITIN, 15% down (example)
$1,283
$24,660
$139,740
8.18%
None
$29,592
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 $1,007 a month: 11% below the county. In Middletown, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Butler County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 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 Butler County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,052
$20.23
$42,080
1 bedroom
$1,128
$21.69
$45,120
2 bedrooms
$1,442
$27.73
$57,680
3 bedrooms
$1,897
$36.48
$75,880
4 bedrooms
$2,141
$41.17
$85,640
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 has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,280 in 45042 to $1,310 in 45044.
None is above the fair market rent for Butler County ($1,442).
Fair market rent by ZIP code and size in Middletown, fiscal year 2027.
45042
$930
$1,000
$1,280
$1,680
$1,900
45044
$960
$1,030
$1,310
$1,720
$1,940
ZIP code2 bd3 bd
45042 $1,280$1,680
45044 $1,310$1,720
2 of these ZIP codes cross 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)
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 Butler County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Middletown or Butler County. The ones below are statewide in Ohio: they work in Middletown the same as in the rest of the state.
Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it.Offered by Ohio Housing Finance Agency (OHFA).
Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic).Offered by Ohio Housing Finance Agency (OHFA).
No legal help resource on our list is for Middletown or Butler 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 Butler 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 $164,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Butler County it is $258,500.
How much does it cost to rent in Middletown?
Typical rent in Middletown is $1,007 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Butler County is $1,442.
What is the FHA loan limit in Middletown?
Middletown uses the FHA limit for all of Butler 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 $2,052 a year, according to the U.S. Census Bureau. That is 1.25% of the home’s value; in Butler County, the rate is 1.22%.
Where can I find free help to buy or rent in Middletown?
There are 2 HUD-approved counseling agencies with an office in Butler County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
