Housing in Middlebury

A typical Middlebury home is worth roughly $155,000

Typical home value

$155K

NY $527K

Estimate

2-bedroom rent

$990

a month, utilities in · HUD

Median tax bill

$4,241

NY $6,582

What kind of housing town is Middlebury?

Read from the numbers below. The page puts what stands out first.

Your money goes further70% below the New York typical home.A high tax rateAbout 2.73% of a home’s value a year, vs 1.55% across New York.Older homesThe typical home was built around 1938, and 1 house is on the National Register.

★ What stands out · Affordability

A typical home costs 1.8 years of income

Less than across New York (6.1 years). Try your own numbers below.

You could afford about

$267,000

Typical Middlebury home $155K

That covers a typical Middlebury home, with $112K to spare.

The typical home, each month

$1,170

Loan $770Tax $350Insurance $50

A two-bedroom rents for about $990 a month here, $180 less than owning.

Where your budget reaches nearby

Warsaw$153K Covington$160K Attica$175K Bethany$171K

An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Middlebury’s typical property tax (2.73% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.

The homes

1 of Middlebury’s houses are on the National Register

Half of Middlebury’s homes were built before 1938.

History →

Owners and renters

Own 86%Rent 14%

New York: 54% own.

1938

typical home built · NY 1959

$4,241

median property tax bill · NY $6,582

2.73%

of a home’s value, a year in tax · NY 1.55%

Historic houses in Middlebury

Bryant Fleming HouseListed 2009

U.S. Census Bureau, American Community Survey 2020-2024. Historic houses: National Register of Historic Places.

Renting

A two-bedroom rents for about $990

Renters already here pay a median of $789, so moving in tends to cost more than staying put.

Fair Market Rent a month, utilities included

Studio$820

1 bedroom$840

2 bedrooms$990

3 bedrooms$1,320

4 bedrooms$1,560

14%

of households rent · NY 46%

renter households

60%

of renters spend 30%+ of income on rent · NY 52%

14%

of the median income, for a two-bedroom

$789

median rent paid today · Census

U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Genesee County, NY): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.

Next door

Middlebury vs. its neighbors

Middlebury is the 2nd least expensive of 5 neighboring towns. Tap one to see its housing page.

Attica$175K Bethany$171K Covington$160K Middlebury$155K Warsaw$153K

Compare more

Town	Typical value	1-yr change	2-bed rent	New homes 2025	Median income
Middlebury	$155K*	—	$990	—	$85,804
Warsaw	$153K*	+11.6%†	$970	—	$56,894
Covington	$160K*	—	$1,180	—	$68,125
Attica	$175K*	+22.9%†	$980	—	$76,554
Bethany	$171K*	—	$1,130	1	$75,859

Typical value: Zillow Home Value Index; * Census median home value where Zillow has none. † FHFA price index change where Zillow has none. Rent: HUD Fair Market Rent. New homes: Census building permits.

Neighbors talk housing

What Middlebury buyers, sellers and renters are saying.

Town Square →

Weigh in

Is Middlebury still affordable for young families?

Your answer becomes a post in Town Square.

Start the conversation

Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Historic houses: National Register of Historic Places. Listings link to their publishers. The calculator is an estimate, not a loan offer.