In Middleton, a typical home is worth $484,200 and typical rent is $1,437 a month. Compared with all of Dane County, the typical home value is 23% higher and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $475,741 to $614,311.
Typical rent
$1,584a month
= about the same as 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,284 to $1,584.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Middleton is in Dane 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 Dane County. See the county
What this place has that others do not, from public data, most unusual first.
1
Middleton has the 6th lowest homeownership rate of the 156 cities in Wisconsin with more than 5,000 people (46%).
2
Middleton has the 8th highest typical home value of the 156 cities in Wisconsin with more than 5,000 people ($484,200).
3
Nearby, in Madison, the typical home value is $372,900: 23% less than in Middleton ($484,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Middleton
What homes there are in Middleton, 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
Middleton
Dane County
Wisconsin
United States
Kind of home: Middleton and its comparisons
Measure
Middleton
Dane County
Wisconsin
United States
Detached house
37%
51%
66%
61%
Attached house
7%
7%
4%
6%
Building of 2 to 4
9%
9%
9%
8%
Apartments (5 or more)
47%
34%
17%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Middleton, the apartment is the most common kind of home: 47%, against 34% in Dane County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Middleton
Dane County
Wisconsin
United States
Year built: Middleton and its comparisons
Measure
Middleton
Dane County
Wisconsin
United States
Before 1960
13%
21%
33%
26%
1960–1979
27%
23%
24%
24%
1980–1999
27%
24%
22%
25%
2000–2009
11%
17%
13%
14%
2010 or later
22%
16%
9%
11%
The typical year built in Middleton is 1986, about the same as in Dane County (1986).
There are fewer big homes in Middleton than in Dane County: 44% have 3 bedrooms or more, against 54%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K10%
$300K–$500K36%
$500K–$750K30%
$750K–$1M13%
$1M or moreUnreliable
Value of owner-occupied homes: Middleton and its comparisons
Measure
Middleton
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
10%
$300K–$500K
36%
$500K–$750K
30%
$750K–$1M
13%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9997%
$1,000–$1,49945%
$1,500–$1,99929%
$2,000–$2,49911%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Middleton and its comparisons
Measure
Middleton
Under $500
Unreliable estimate
$500–$999
7%
$1,000–$1,499
45%
$1,500–$1,999
29%
$2,000–$2,499
11%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,579 a month
Dane County: $2,200 a month
Without a mortgage
$1,058 a month
Dane County: $901 a month
Owners with a mortgage
65%
Dane County: 68%
In Middleton, 65% of owners have a mortgage, and their typical cost is $2,579 a month, against $2,200 in Dane County. Without one it drops to $1,058.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Middleton+44%
Dane County+49%
Wisconsin+48%
United States+53%
Typical rent
Middleton+33%
Dane County+29%
Wisconsin+27%
United States+33%
Typical household income
Middleton+18%
Dane County+22%
Wisconsin+26%
United States+29%
Change since 2015–2019: Middleton and its comparisons
Measure
Middleton
Dane County
Wisconsin
United States
Typical home value
+44%
+49%
+48%
+53%
Typical rent
+33%
+29%
+27%
+33%
Typical household income
+18%
+22%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Middleton rose 44%; in Dane County, it rose 49%.
Since 2015–2019, the typical rent in Middleton rose 33%, more than in Dane County (29%).
The typical household income in Middleton rose 18%: less than home values (+44%) and rent (+33%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Middleton and its comparisons
Measure
Middleton
Dane County
Wisconsin
United States
Rental vacancy
Unreliable estimate
2.9%
4.5%
5.5%
Homeowner vacancy
Unreliable estimate
0.4%
0.5%
0.9%
More than one person per room
Unreliable estimate
1.6%
1.7%
3.4%
People per household
2.13
2.21
2.33
2.53
Drive alone
70%
64%
74%
69%
Carpool
5%
6%
7%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
3%
7%
3%
3%
Work from home
20%
20%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
A household in Middleton has 2.13 people on average, about the same as in Dane County (2.21).
To get to work, 70% of workers in Middleton drive alone; in Dane County, 64%.
Do the math
What would you pay each month for a home in Middleton?
A typical home costs more than the typical income allows
We start with a typical home in Middleton, worth $484,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 57% of the typical household income in Middleton, which is $89,524 a year. For that payment to be 28% of income, a household would need to earn about $182,314 a year.
The calculator's FHA and conventional loan limits are those of all of Dane 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 Middleton. 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 $16,947 (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
$4,254
at 7.18% · 30 years
Loan amount
$475,430
Total interest
$684,032
Paid off in
November 2056
Includes $8,177 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,089 a month
Tight
$2,089 to $2,686 a month
Hard
more than $2,686 a month
Your payment · 57%
Compared with the typical household income in Middleton ($89,524 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,221
Property tax
$617
Home insurance
$202
FHA mortgage insurance (MIP)
$214
You need at least $16,947 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 $4,254; principal and interest $3,221.
The city and its county
Middleton and Dane County
Middleton is in Dane County, Wisconsin. 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).
Middleton
Map of Dane County, Wisconsin, with Middleton marked. Around it, the neighboring counties.
Middleton
Dane County
Other cities with a page
Middleton's own numbers
Typical home value
$484,200
Typical monthly rent
$1,437
Typical yearly household income
$89,524
Households that own their home
46%
Effective property tax rate
1.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Dane County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,565
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
0.5%
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 Dane County.
A typical home in Middleton is worth $484,200: 23% above the county and 82% above Wisconsin. With the typical household income in Middleton ($89,524 a year), a typical home costs 5.4 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.
Middleton5.4 years
Dane4.4 years
Wisconsin3.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Dane County
According to FHFA’s house price index, home prices in Dane County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Dane County.
Yearly change in FHFA’s price index in Dane County, 2016 to 2025
2016: +5.3% +5.3% 2016
2017: +6.1% +6.1% 2017
2018: +5.6% +5.6% 2018
2019: +3.7% +3.7% 2019
2020: +2.7% +2.7% 2020
2021: +9.5% +9.5% 2021
2022: +14.9% +14.9% 2022
2023: +9.9% +9.9% 2023
2024: +6.7% +6.7% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Dane County, Wisconsin and the United States
Period
County
Wisconsin
U.S.
Last year (2025)
+4.1%
+5.4%
+2.9%
5 years (2020–2025)
+54%
+57%
+47%
10 years (2015–2025)
+93%
+96%
+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
Middleton next to Dane County, Wisconsin and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Middleton$484,200
Dane$394,800
Wisconsin$266,500
United States$332,700
Typical monthly rent
Middleton$1,437
Dane$1,398
Wisconsin$1,087
United States$1,413
Typical yearly household income
Middleton$89,524
Dane$89,975
Wisconsin$77,485
United States$80,734
See the full table
Middleton next to Dane County and Wisconsin
Measure
Middleton
Dane County
Wisconsin
U.S.
Typical home value
$484,200 ▲23% above the county
$394,800
$266,500
$332,700
Typical monthly rent
$1,437 ▲3% above the county
$1,398
$1,087
$1,413
Typical yearly household income
$89,524
$89,975
$77,485
$80,734
Households that own their home
46% ▼11 points below the county
57%
68%
65%
Typical yearly property tax
$7,397 ▲15% above the county
$6,420
$3,792
$3,119
Effective property tax rate
1.53% ▼0.1 points below the county
1.63%
1.42%
0.94%
Renters with high rent for their income
40% ▼8 points below the county
48%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Dane 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 Middleton
For a typical $484,200 home in Middleton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Middleton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,254a month
Least cash to close
Down payment
$16,947
Cash to close
$31,473
Rate
7.18%
Mortgage insurance
FHA MIP · $214
Conventional, 5% down$4,165a month
Down payment
$24,210
Cash to close
$38,736
Rate
7.18%
Mortgage insurance
PMI · $230
Conventional, 20% down, no PMI$3,443a month
Down payment
$96,840
Cash to close
$111,366
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,891a month
Down payment
$72,630
Cash to close
$87,156
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Middleton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,254
$16,947
$475,430
7.18%
FHA MIP · $214
$31,473
580
Conventional, 5% down
$4,165
$24,210
$459,990
7.18%
PMI · $230
$38,736
620*
Conventional, 20% down, no PMI
$3,443
$96,840
$387,360
7.18%
None
$111,366
620*
ITIN, 15% down (example)
$3,891
$72,630
$411,570
8.18%
None
$87,156
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 Middleton is $1,437 a month: 3% above the county. In Middleton, 40% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Dane County, by unit size. To pay the 2-bedroom one ($1,565 a month) without spending more than 30% of your income, you would need to earn $30.10 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 Dane County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,196
$23.00
$47,840
1 bedroom
$1,375
$26.44
$55,000
2 bedrooms
$1,565
$30.10
$62,600
3 bedrooms
$2,047
$39.37
$81,880
4 bedrooms
$2,264
$43.54
$90,560
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 Middleton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Middleton is in ZIP code 53562.
For 2 bedrooms it is $1,630: $65 more than the fair market rent for Dane County ($1,565).
Fair market rent by ZIP code and size in Middleton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
53562
$1,250
$1,430
$1,630
$2,130
$2,360
ZIP code2 bd3 bd
53562 $1,630$2,130
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Middleton 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 3 HUD-approved agencies with an office in Dane County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Middleton or Dane County. The ones below are statewide in Wisconsin: they work in Middleton the same as in the rest of the state.
Wisconsin state agency second mortgage for the down payment: up to 6% of the price, over 10 years with a monthly payment and the same rate as the WHEDA first mortgage.Offered by Wisconsin Housing and Economic Development Authority (WHEDA).
$7,500 loan from the Wisconsin state agency for the down payment and closing costs, over 30 years, at 0% and with no monthly payments, alongside a WHEDA mortgage; limited funds, first come, first served.Offered by Wisconsin Housing and Economic Development Authority (WHEDA).
No legal help resource on our list is for Middleton or Dane 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 Middleton and all of Dane 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 Middleton?
The typical home value in Middleton is $484,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Dane County it is $394,800.
How much does it cost to rent in Middleton?
Typical rent in Middleton is $1,437 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Dane County is $1,565.
What is the FHA loan limit in Middleton?
Middleton uses the FHA limit for all of Dane 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 Middleton?
The typical homeowner in Middleton pays $7,397 a year, according to the U.S. Census Bureau. That is 1.53% of the home’s value; in Dane County, the rate is 1.63%.
Where can I find free help to buy or rent in Middleton?
There are 3 HUD-approved counseling agencies with an office in Dane County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
