Middletown, Ohio.
Typical home $259,898 (+3.1% in a year), asking rent $1,287 (+2.7%). Cincinnati, OH-KY-IN metro.
Property tax and schools in Middletown
Middletown’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Middletown is in Butler County, where its property tax is set. Its homes there are in the Middletown City school district. Check your own bill.
to buy the typical home at today's mortgage rate — +$789 (+137%) since Jan 2020.
- 1 year
- Up $7,799 +3%
- $252,099$259,898 since Sep 2025
- 5 years
- Up $64,601 +33%
- $195,297$259,898 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$1,364
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Middletown, OH rose 3.1% over the past year — faster than the nation's +1.2%.
Asking rents in Middletown, OH rose 2.7% over the past year — in step with the nation.
Owning the typical home in Middletown runs $619/mo more than renting one. The gap peaked at $638 in Jan 2025.
That is $1,906 a month against $1,287 rent: a $1,364 mortgage payment, plus $263 property tax and $278 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$1,906
- Renting$1,287
- Mortgage only$1,364
Property tax · $263/mo 1.22% of value a year — the ACS 2020-2024 median bill over the median home value for Butler County, OH
Insurance & upkeep · $278/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, Butler County, Ohio
Middletown is a city of 50,987 people in Butler County. Half its households earn more than $57,102 a year and half less, against $81,590 across Butler County; 17% of its people live below the poverty line. 54% of its homes are lived in by their owners and 46% are rented. Unemployment in Middletown was 4.1% in August 2026, and Butler County had 0.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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 city in Butler County, Ohio, with household incomes below the county's and more renters than across the county, though a good many homes are still lived in by their owners. The population is fairly young for a place its size, and fewer adults hold a four-year degree than in many American cities. Winters are cold, with January the coldest month and temperatures often below freezing, and summers turn warm in July. Rain and melted snow fall steadily through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by manufacturing, shops, and restaurants, hotels and entertainment. Among the largest workplaces in Middletown are Cleveland-Cliffs Steel Middletown Works, Atrium Medical Center and Meijer. Unemployment has eased over the past year, and the typical commute is a moderate one, with few people working from home.
Things to do. A longer drive away, Kings Island is an amusement park, and the Cincinnati Zoo and Botanical Garden is a zoo that also keeps gardens. The National Museum of the United States Air Force is one of the best known museums in the region, also a longer drive away. Each makes a good day out rather than a quick errand.
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- 21,422households
- 18%of adults have a degree
- 17%below the poverty line
- 24 mintypical commute
- 9%work from home
What residents work in
Employed residents by industry, from the Census survey. Butler County had 163,638 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 20°; warmest in July, with highs near 86° and lows near 64°. About 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Franklin weather station, 4 miles away (NOAA).
Largest employers in Middletown
- Cleveland Cliffs Steel Co (formerly AK Steel)2,724
- Atrium Medical Center1,690
- Middletown City Schools958
- Intelycare Inc597
- Walmart527
- PAC Worldwide Corp524
- Staffmark Investment LLC480
- City of Middletown456
From the City of Middletown’s annual financial report for 2024, its schedule of principal employers (its source: “Data Sources:City Income Tax Division Ohio Labor Market Information (Total Estimated City Employment)”), as Ohio’s Auditor of State publishes it: the report. Employees as the report counts them.
Natural hazards
- Tornadoesrelatively high in parts of MiddletownRelatively moderate
- Ice stormsRelatively moderate
- Cold wavesRelatively moderate
- Winter weatherRelatively moderate
- LightningRelatively moderate
- Inland floodingRelatively 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 Butler County and the Cincinnati, OH-KY-IN 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$259,898
- Ohio$245,982
- United States$366,157
Sellers are cutting prices on about 1 in 3 Middletown listings, and the typical home goes pending in 15 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.
- Middletown34.55%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Middletown15
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Middletown229
New listings per month
Sellers arriving at the market.
- Middletown92
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Middletown$217,292
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Middletown98.99%
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 |
|---|---|---|---|---|
| 45044 | Middletown | 56,217 | $1,452 | $262,955 |
| 45042 | Middletown | 27,652 | $1,012 | $248,309 |