Middletown, New York.
Typical home $416,769 (+3.9% in a year), asking rent $2,442 (+6.5%). Poughkeepsie-Newburgh-Middletown, NY metro.
to buy the typical home at today's mortgage rate — +$1,313 (+150%) since Jan 2020.
- 1 year
- Up $15,548 +4%
- $401,221$416,769 since Sep 2025
- 5 years
- Up $113,727 +38%
- $303,042$416,769 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Middletown$2,188
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Middletown, NY rose 3.9% over the past year — faster than the nation's +1.2%.
Asking rents in Middletown, NY rose 6.5% over the past year — faster than the nation's +2.7%.
Owning the typical home in Middletown runs $952/mo more than renting one. The gap peaked at $1,004 in Jan 2025.
That is $3,394 a month against $2,442 rent: a $2,188 mortgage payment, plus $761 property tax and $446 insurance & upkeep.
Owning vs renting — Middletown
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,394
- Renting$2,442
- Mortgage only$2,188
Property tax · $761/mo 2.19% of value a year — the ACS 2020-2024 median bill over the median home value for Orange County, NY
Insurance & upkeep · $446/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Middletown, Orange County, New York
Middletown is a city of 30,345 people in Orange County. Half its households earn more than $79,346 a year and half less, against $97,178 across Orange County; 14% of its people live below the poverty line. 52% of its homes are lived in by their owners and 48% are rented. Unemployment in Middletown was 5.1% in August 2026, and Orange County had 0.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Middletown is a small city in Orange County, with a younger population than many places and more renters than owners. Household incomes run below the county's, and a larger share of people live below the poverty line than a typical community might see. Winters are cold and snowy enough to need a shovel and a good coat, summers are warm, and rain and melted snow fall steadily through the year.
Work. Many residents work in schools, hospitals and social care, in shops, in professional and business services, and in transport, warehousing and utilities. Orange County Community College, Frito Lay and Polycraft Industries are among the largest workplaces in the city. Unemployment is a little higher than a year ago, and commutes tend to be long.
Things to do. Legoland New York is an amusement park a short drive away, and Basha Kill, a river and wetland, is also a short drive. Farther afield, the United States Military Academy, a museum, is a longer drive away, as is High Point, a garden. Together they make for good day trips.
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- 9,970households
- 20%of adults have a degree
- 14%below the poverty line
- 36 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Orange County had 154,905 jobs in 2025, 0.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 18°; warmest in July, with highs near 82° and lows near 62°. About 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Middletown Northwest weather station, 2 miles away (NOAA).
Largest workplaces in Middletown
- Orange County Community CollegeTwo-year college952
- Frito LAYOther snack food manufacturing237
- Polycraft IndustriesFlexible packaging, plastics film, manufacturing174
- WakefernGrocery stores171
- Orange and Rockland UtilitiesDistribution of electric power132
- Princeton Upholstery CoFurniture, office-type, padded, upholstered, or plain wood, manufacturing118
- HONOR ehgHomeless shelters72
- FleurchemAcids, organic, not specified elsewhere by process, manufacturing47
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 10 workplaces with 20 or more staff, 1,035 people in all. Colleges come from IPEDS (NCES, 2023–24). Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- HurricanesRelatively moderate
- Strong windRelatively moderate
- Cold wavesRelatively moderate
- LightningRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Middletown’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Orange County and the Poughkeepsie-Newburgh-Middletown, NY metro.
Middletown home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Middletown$416,769
- New York$524,942
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Middletown listings, and the typical home goes pending in 40 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Middletown22.34%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Middletown40
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Middletown202
New listings per month
Sellers arriving at the market.
- Middletown58
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Middletown$437,636
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Middletown101.19%
Zip codes with a Middletown address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Middletown — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Middletown
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 10940 | Middletown | 53,611 | $2,456 | $402,498 |
| 10941 | Middletown | 14,422 | $2,422 | $460,790 |