Middleburg, FL—32068
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Middleburg, FL
As of Oct '25, the median home price in Middleburg, FL is $324,000, with a year-over-year change of -3.2%. This indicates that home prices in Middleburg, FL are decreasing. According to Zillow, the 1-year price projection is 0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $324,000 | -3.2% |
| Single Family | $327,000 | -3.0% |
| Condos | $187,000 | -9.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $129,000 | -7.2% |
2 Bed | $220,000 | -5.6% |
3 Bed | $293,000 | -3.6% |
4 Bed | $369,000 | -2.6% |
| 5 Bed | $458,000 | -2.3% |
% of Housing Stock
Rental Trends — Middleburg, FL
As of July '25, Rentcast reports the average rent in Middleburg, FL is $1,990, with a year-over-year rent change of 3.6%. Per bedroom, the median rent as of July '25 in Middleburg, FL is 1-bedrooms: $1,270, 2-bedrooms: $1,670, 3-bedrooms: $1,860, 4-bedrooms: $2,220. The most common rental property sizes in Middleburg, FL are 3-bedroom and 4-bedroom, accounting for 50.7% and 26.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $1,990 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,280 | $1,270 |
| 2 Bed Rent | $1,700 | $1,670 |
| 3 Bed Rent | $1,820 | $1,860 |
| 4 Bed Rent | $2,160 | $2,220 |
% of Rental Stock
Property Listings — Middleburg, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Middleburg, FL is 70. This is a increase of 10.0% 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 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $387,000 | 0.0% |
Listing Count | 328 | 4.0% |
| Listings as % of Homes | 1.2% | 4.0% |
Days on Market | 70 | 10.0% |
Demographics — Middleburg, FL
As of the latest ACS Survey released in 2023, Middleburg, FL has a population of 58,200, which has increased by 1.7% over the past 5 years. Middleburg, FL is a moderately popular place for families, as children make up 24.7% of the population. The area has a poorly educated workforce, with 22.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 58,200 | 1.7% |
% Under 18 | 24.7% | -3.5% |
% Seniors | 13.1% | 5.6% |
% WFH | 11.4% | 65.2% |
% w/ College Degree | 22.4% | 32.5% |
As of the latest ACS Survey released in 2023, Middleburg, FL is a predominantly white area, with 74.5% of the population identifying as white. The white population has shrunk by 5.8% in the last 5 years. The second most common race or ethnicity in Middleburg, FL is hispanic, making up 12.5% of the population. Foreign-born residents account for 7.3% of the population in Middleburg, FL, and this percentage has increased by 43.1% 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 | 74.5% | -5.8% |
% Black | 6.8% | 28.3% |
% Hispanic | 12.5% | 35.9% |
% Asian | 1.0% | -41.2% |
% Foreign Born | 7.3% | 43.1% |
Mortgage and Risk — Middleburg, FL
According to HUD data as of 2023, there were 1379 mortgage originations in Middleburg, FL, of which 56.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 40.0% above 90% LTV (very high). This implies large mortgage risk in Middleburg, FL. Investor activity is low, as 1.0% of loans were by investors. 25.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,379 |
% Conventional Loans | 56.0% |
% Government Loans | 44.0% |
% Investor Loans | 1.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 25.0% |
Loan Activity
Rentals and Section 8 — Middleburg, FL
As of 2024, the percent of homes in Middleburg, FL under the Section 8 program is 3.1%. 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 Middleburg, FL, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 144 |
Total Units Section 8 | 144 |
% Rentals under Section 8 | 3.1% |
% Occupied Section 8 | 91.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $220 | $1,280 | $1,500 |
| 2 Bedroom | $80 | $1,700 | $1,780 |
| 3 Bedroom | $410 | $1,820 | $2,230 |
| 4 Bedroom | $660 | $2,160 | $2,820 |
Affordability — Middleburg, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.1 |
| Median Home Price | $324,000 |
| Median Household Income | $82,400 |