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City · 7,628 residents · Northampton County, Pennsylvania

Middletown (Northampton County), Pennsylvania

In Middletown, a typical home is worth $322,000 and typical rent is $1,545 a month. Compared with all of Northampton County, typical rent is 11% higher, typical household income is 9% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $322,000

    4% above the county

    27% above Pennsylvania

    • Middletown
    • Northampton
    • Pennsylvania

  • Typical rent

    $1,545a month

    11% above the county

    28% above Pennsylvania

    • Middletown
    • Northampton
    • Pennsylvania

  • Typical household income

    $97,607a year

    9% above the county

    25% above Pennsylvania

    • Middletown
    • Northampton
    • Pennsylvania

  • Households that own their home

    81%

    9 points above the county

    11 points above Pennsylvania

    • Middletown
    • Northampton
    • Pennsylvania

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

Middletown is in Northampton 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 Northampton 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. Nearby, in Easton, the typical home value is $196,300: 39% less than in Middletown ($322,000).

  2. Nearby, in Nazareth, the typical rent is $1,168: 24% less than in Middletown ($1,545).

  3. 81% of households in Middletown own their home, against 71% in Northampton 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

Detached houses, standing on their own, make up 84% of homes here, against 58% in Northampton County.

Year built

Here half of the homes date from 1977 or later; in Northampton County, from 1971 or later.

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

$2,047 a month

Northampton County: $1,957 a month

Without a mortgage

$829 a month

Northampton County: $766 a month

Owners with a mortgage

62%

Northampton County: 60%

The typical cost for an owner with a mortgage in Middletown is $2,047 a month, near the figure in Northampton County ($1,957).

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 Middletown rose 49% since 2015–2019, more than in Northampton County (40%).

The typical rent in Middletown stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureMiddletownNorthampton CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate2.5%4.9%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.6%3.4%
People per household 2.512.492.392.53
Drive alone 74%75%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home 18%14%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Northampton County, a household in Middletown has 2.51 people on average.

Many people here do not commute at all: 18% work from home; in Northampton County, 14%.

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 $322,000, 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 $97,607 a year. For that payment to be 28% of income, a household would need to earn about $121,356 a year.

The calculator's FHA and conventional loan limits are those of all of Northampton 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 $11,270 (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

$2,832

at 7.18% · 30 years

Loan amount
$316,168
Total interest
$454,891
Paid off in
November 2056

Includes $5,438 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,277 a month

  • Tight

    $2,277 to $2,928 a month

    Your payment · 35%

  • Hard

    more than $2,928 a month

Compared with the typical household income in Middletown ($97,607 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,832
Principal & interest$2,142
Property tax$413
Home insurance$134
FHA mortgage insurance (MIP)$142

You need at least $11,270 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 Northampton County

Middletown is in Northampton County, Pennsylvania. 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
$322,000
Typical monthly rent
$1,545
Typical yearly household income
$97,607
Households that own their home
81%
Effective property tax rate
1.54%

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

Numbers for all of Northampton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,839
Price change over 5 years (FHFA)
+59%
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 Northampton County.

Everything about Northampton County

Buying

Buying a home in Middletown

A typical home in Middletown is worth $322,000: 4% above the county and 27% above Pennsylvania. With the typical household income in Middletown ($97,607 a year), a typical home costs 3.3 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 3.3 years
  • Northampton 3.5 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Northampton County

According to FHFA’s house price index, home prices in Northampton County rose 92% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +6.2% +4.7% +2.9%
5 years (2020–2025) +59% +48% +47%
10 years (2015–2025) +92% +77% +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 Northampton County, Pennsylvania and the U.S.

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

Typical home value
  • Middletown $322,000
  • Northampton $308,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Middletown $1,545
  • Northampton $1,395
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Middletown $97,607
  • Northampton $89,184
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Middletown next to Northampton County and Pennsylvania
Measure Middletown Northampton County Pennsylvania U.S.
Typical home value $322,000 $308,600 $254,500 $332,700
Typical monthly rent $1,545 $1,395 $1,209 $1,413
Typical yearly household income $97,607 $89,184 $77,971 $80,734
Households that own their home 81% 71% 69% 65%
Typical yearly property tax $4,950 $4,700 $3,311 $3,119
Effective property tax rate 1.54% 1.52% 1.3% 0.94%
Renters with high rent for their income 40% 50% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Northampton 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 $322,000 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 $2,832a month

    Least cash to close
    Down payment
    $11,270
    Cash to close
    $20,930
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $142

  • Conventional, 5% down $2,773a month

    Down payment
    $16,100
    Cash to close
    $25,760
    Rate
    7.18%
    Mortgage insurance
    PMI · $153

  • Conventional, 20% down, no PMI $2,292a month

    Down payment
    $64,400
    Cash to close
    $74,060
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,590a month

    Down payment
    $48,300
    Cash to close
    $57,960
    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 Northampton County.

Property tax

Effective rate in Middletown

1.54%of the home’s value each year

$4,950 a year for the typical owner in Middletown.

  • Middletown 1.54%
  • Northampton 1.52%
  • Pennsylvania 1.3%

What Pennsylvania publishes Property Tax/Rent Rebate Program (PTRR) (Pennsylvania Department of Revenue)

Exemptions and deadlines in Pennsylvania

Flood risk in Northampton County

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

Homes in the high-risk zone
1.1%
1,124
Of those, with NFIP insurance
39%
County Pennsylvania U.S.
Homes in the high-risk zone 1.1% 2% 3.5%
Of those, with NFIP insurance 39% 23% 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 $1,545 a month: 11% above the county. In Middletown, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Northampton County, by unit size. To pay the 2-bedroom one ($1,839 a month) without spending more than 30% of your income, you would need to earn $35.37 an hour working full time.

HUD fair market rent for all of Northampton 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 $1,302 $25.04 $52,080
1 bedroom $1,519 $29.21 $60,760
2 bedrooms $1,839 $35.37 $73,560
3 bedrooms $2,306 $44.35 $92,240
4 bedrooms $2,482 $47.73 $99,280

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 18020.

For 2 bedrooms it is $2,070: $231 more than the fair market rent for Northampton County ($1,839).

  • 18020 $2,070$2,600

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?

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 2 HUD-approved agencies with an office in Northampton County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

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 Northampton County. The ones below are statewide in Pennsylvania: they work in Middletown the same as in the rest of the state.

Which programs do I qualify for? All programs in Pennsylvania

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.

  • Community Action Committee of Lehigh Valley, Inc.

    1337 E 5th St, Bethlehem · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (610) 691-5620

  • Greater Community Development Corporation

    403 Pastor Fred Davis St, Easton · 6 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    (610) 596-1134

  • Bucks County Housing Group

    626 Jacksonville Rd, Warminster · 32 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (215) 394-8259

Every agency in Northampton County All counseling agencies in Pennsylvania

Help in Spanish near Middletown

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 Middletown

HUD’s record names them for Middletown or Northampton County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Northampton County Housing Authority Public housing and Section 8 vouchers (610) 965-4514

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

Cities

Other cities in Northampton County

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

Everything about Northampton County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Northampton 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 father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Middletown

Short answers with the numbers for Middletown and all of Northampton 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 $322,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Northampton County it is $308,600.

How much does it cost to rent in Middletown?

Typical rent in Middletown is $1,545 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Northampton County is $1,839.

What is the FHA loan limit in Middletown?

Middletown uses the FHA limit for all of Northampton 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 $4,950 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Northampton County, the rate is 1.52%.

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

There are 2 HUD-approved counseling agencies with an office in Northampton County. 1 says it serves 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).