Middletown, NY—10941
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Middletown, NY
Home Price Trends — Middletown, NY
Middletown, NY lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $440,000 | 3.3% |
| Single Family | $446,000 | 3.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $341,000 | 4.3% |
3 Bed | $407,000 | 3.0% |
4 Bed | $507,000 | 3.9% |
| 5 Bed | $550,000 | 3.2% |
% of Housing Stock
Rental Trends — Middletown, NY
As of July '25, Rentcast reports the average rent in Middletown, NY is $2,230, with a year-over-year rent change of -17.1%. Per bedroom, the median rent as of July '25 in Middletown, NY is studios: $1,600, 1-bedrooms: $1,820, 2-bedrooms: $2,240, 3-bedrooms: $2,570, 4-bedrooms: $3,200. The most common rental property sizes in Middletown, NY are 1-bedroom and 2-bedroom, accounting for 43.1% and 42.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,300 | $2,230 |
| Studio Rent | $1,600 | $1,600 |
| 1 Bed Rent | $1,680 | $1,820 |
| 2 Bed Rent | $2,300 | $2,240 |
| 3 Bed Rent | $2,600 | $2,570 |
| 4 Bed Rent | $3,200 | $3,200 |
% of Rental Stock
Property Listings — Middletown, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Middletown, NY is 47. This is a decrease of -27.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 10.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $547,000 | 2.0% |
Listing Count | 42 | 92.0% |
| Listings as % of Homes | 0.3% | 92.0% |
Days on Market | 47 | -27.0% |
Demographics — Middletown, NY
As of the latest ACS Survey released in 2023, Middletown, NY has a population of 14,800, which has increased by 12.0% over the past 5 years. Middletown, NY is a moderately popular place for families, as children make up 19.0% of the population. The area has a moderately educated workforce, with 30.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,800 | 12.0% |
% Under 18 | 19.0% | -12.4% |
% Seniors | 15.3% | 15.0% |
% WFH | 6.9% | 130.0% |
% w/ College Degree | 30.9% | 24.6% |
As of the latest ACS Survey released in 2023, Middletown, NY is a predominantly white area, with 43.5% of the population identifying as white. The white population has shrunk by 8.8% in the last 5 years. The second most common race or ethnicity in Middletown, NY is hispanic, making up 23.2% of the population. Foreign-born residents account for 16.2% of the population in Middletown, NY, and this percentage has increased by 62.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 43.5% | -8.8% |
% Black | 21.5% | -3.6% |
% Hispanic | 23.2% | 3.6% |
% Asian | 4.6% | -8.0% |
% Foreign Born | 16.2% | 62.0% |
Mortgage and Risk — Middletown, NY
According to HUD data as of 2023, there were 220 mortgage originations in Middletown, NY, of which 82.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Middletown, NY. Investor activity is low, as 1.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 220 |
% Conventional Loans | 82.0% |
% Government Loans | 18.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Middletown, NY
As of 2024, the percent of homes in Middletown, NY under the Section 8 program is 2.5%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Middletown, NY, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 56 |
Total Units Section 8 | 55 |
% Rentals under Section 8 | 2.5% |
% Occupied Section 8 | 90.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$110 | $1,680 | $1,570 |
| 2 Bedroom | -$290 | $2,300 | $2,010 |
| 3 Bedroom | -$40 | $2,600 | $2,560 |
| 4 Bedroom | -$430 | $3,200 | $2,770 |
Affordability — Middletown, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4 |
| Median Home Price | $440,000 |
| Median Household Income | $95,900 |