Middleburgh, NY—12122
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Middleburgh, NY
As of Oct '25, the median home price in Middleburgh, NY is $226,000, with a year-over-year change of 7.0%. This indicates that home prices in Middleburgh, NY are increasing. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $226,000 | 7.0% |
| Single Family | $224,000 | 7.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $195,000 | 6.6% |
3 Bed | $242,000 | 6.1% |
4 Bed | $264,000 | 8.2% |
| 5 Bed | $325,000 | 9.4% |
% of Housing Stock
Rental Trends — Middleburgh, NY
As of July '25, Rentcast reports the average rent in Middleburgh, NY is $1,460, with a year-over-year rent change of 14.1%. Per bedroom, the median rent as of July '25 in Middleburgh, NY is 2-bedrooms: $1,150, 3-bedrooms: $1,550, 4-bedrooms: $2,000. The most common rental property sizes in Middleburgh, NY are 2-bedroom and 1-bedroom, accounting for 39.9% and 37.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,460 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,100 | $1,150 |
| 3 Bed Rent | $1,550 | $1,550 |
| 4 Bed Rent | $2,000 | $2,000 |
% of Rental Stock
Property Listings — Middleburgh, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Middleburgh, NY is 67. This is a increase of 45.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 6.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $329,000 | 9.0% |
Listing Count | 31 | 30.0% |
| Listings as % of Homes | 1.4% | 30.0% |
Days on Market | 67 | 45.0% |
Demographics — Middleburgh, NY
As of the latest ACS Survey released in 2023, Middleburgh, NY has a population of 3,560, which has decreased by -17.6% over the past 5 years. Middleburgh, NY is a less popular place for families, as children make up 14.7% of the population. The area has a poorly educated workforce, with 19.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,560 | -17.6% |
% Under 18 | 14.7% | 8.9% |
% Seniors | 29.2% | 23.7% |
% WFH | 10.0% | 244.8% |
% w/ College Degree | 19.5% | -5.3% |
As of the latest ACS Survey released in 2023, Middleburgh, NY is a predominantly white area, with 91.2% of the population identifying as white. The white population has shrunk by 2.1% in the last 5 years. The second most common race or ethnicity in Middleburgh, NY is hispanic, making up 2.6% of the population. Foreign-born residents account for 2.8% of the population in Middleburgh, NY, and this percentage has increased by 40.0% 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 | 91.2% | -2.1% |
% Black | 0.7% | 0.0% |
% Hispanic | 2.6% | -38.1% |
% Asian | 0.6% | -50.0% |
% Foreign Born | 2.8% | 40.0% |
Mortgage and Risk — Middleburgh, NY
According to HUD data as of 2023, there were 66 mortgage originations in Middleburgh, NY, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 62.0%, with 17.0% above 90% LTV (elevated). This implies medium mortgage risk in Middleburgh, NY. Investor activity is low, as 3.0% of loans were by investors. 21.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 66 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 3.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 21.0% |
Loan Activity
Rentals and Section 8 — Middleburgh, NY
Middleburgh, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 21 |
Total Units Section 8 | 21 |
% Rentals under Section 8 | 5.9% |
% Occupied Section 8 | 97.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,020 |
| 2 Bedroom | $140 | $1,100 | $1,240 |
| 3 Bedroom | -$50 | $1,550 | $1,500 |
| 4 Bedroom | -$350 | $2,000 | $1,650 |
Affordability — Middleburgh, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $226,000 |
| Median Household Income | $54,300 |