Even on the area’s higher pay, Middleburgh costs more to live in than 55% of U.S. towns
Builders were permitted 2 new homes in 2025.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Albany-Schenectady-Troy, NY metro area ($88K). How TownRatings grades cost of living
Only 3 sales in May 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
The grade measures what housing costs against what households in the area earn. Middleburgh’s area earns well above the typical U.S. town ($88K against $74K), but homes, rent and taxes here run higher still. Owners keep up better than renters: 30% of owners pay 30% or more of income for housing (typical U.S. town: 20%), against 71% of renters.
In dollars
- $1,340a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 100prices across the Albany metro, where the U.S. is 100 (housing 103)BEA Regional Price Parities, 2024
In paychecks the grade
- 2.2 yrsof area income buys the typical home; the typical U.S. town: 3.3$88K, Albany-area income
- 13%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 71%of renters pay 30%+ of income for housing; across New York: 52%Census 2020–24
- 30%of owners do; the typical U.S. town: 20%Census 2020–24
The short version on homes in Middleburgh
Low tax bills, but a high tax rate
The median tax bill is $4,818, under the New York median of $6,582, because homes cost less. As a share of value, though, it’s 2.49% a year, against 1.55% statewide. Property taxes ↓
Half the homes were built before 1938
Half of Middleburgh’s homes were built before 1938, against 1959 for New York as a whole. Older homes can mean character, and also bigger heating and repair bills, so an inspection matters. Property taxes ↓
Written from the data on this page. There’s no Zillow index for Middleburgh, so the typical value is the Census median; permits are Census figures through 2025; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Middleburgh’s grade
Measured against what households in the area earn, Middleburgh is more affordable than 45% of U.S. towns. The share of households paying 30%+ for housing pulls the grade down most; rent holds it up.
A typical home costs 2.2 years of area income
The calculator starts from the area income the grade uses. Switch to Middleburgh’s own median, or type yours.
That covers a typical Middleburgh home, with $87K to spare.
A two-bedroom rents for about $1,340 a month here, $80 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Middleburgh’s typical property tax (2.49% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,340
Renters already here pay a median of $981, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Albany-Schenectady-Troy, NY MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
2 new homes permitted in 2025
Builders were permitted 2 new homes in Middleburgh in 2025, all single-family houses. That's 1.6 per 1,000 residents, about the pace of New York as a whole. Over the past 10 years, Middleburgh has permitted 32 homes in all.
Between the 2010 and 2020 censuses, Middleburgh's population fell by 369 even though 18 new homes were permitted. Homes are holding fewer people: households are getting smaller, or more homes are used part of the year. Across New York: 2.2 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 1 | 1 | 0 | $245,000 |
| 2025 | 2 | 2 | 0 | $490,000 |
| 2024 | 0 | 0 | 0 | — |
| 2023 | 1 | 1 | 0 | $175,000 |
| 2022 | 11 | 11 | 0 | $1.9 million |
| 2021 | 6 | 6 | 0 | $840,000 |
| 2020 | 0 | 0 | 0 | — |
| 2019 | 0 | 0 | 0 | — |
| 2018 | 8 | 2 | 6 | $795,000 |
| 2017 | 2 | 0 | 2 | $160,000 |
| 2016 | 2 | 2 | 0 | $400,000 |
| 2015 | 0 | 0 | 0 | — |
| 2014 | 0 | 0 | 0 | — |
| 2013 | 2 | 0 | 2 | $150,000 |
| 2012 | 1 | 1 | 0 | $70,000 |
| 2011 | 1 | 1 | 0 | $140,000 |
| 2010 | 2 | 2 | 0 | $470,000 |
| 2009 | 3 | 3 | 0 | $300,000 |
| 2008 | 5 | 1 | 4 | $230,000 |
| 2007 | 2 | 2 | 0 | $475,000 |
| 2006 | 19 | 4 | 15 | $1.3 million |
| 2005 | 29 | 5 | 24 | $1.9 million |
| 2004 | 21 | 5 | 16 | $1.4 million |
| 2003 | 19 | 5 | 14 | $1.3 million |
| 2002 | 15 | 5 | 10 | $1.1 million |
| 2001 | 16 | 4 | 12 | $1.1 million |
| 2000 | 15 | 3 | 12 | $1 million |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Low tax bills, but a high tax rate
The median bill is $4,818, under the New York median of $6,582, because homes cost less. As a share of value it’s 2.49% a year, against 1.55% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Middleburgh
Only figures published free for the whole country, each labeled with the area it covers: the Albany-Schenectady-Troy, NY metro area, or New York. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 100 | NY 108 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 100 | NY 107 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 134 | NY 134 | metro | BEA, 2024 |
| Other services U.S. = 100 | 98 | NY 104 | metro | BEA, 2024 |
| Electricity cents per kWh, homes | 29.9¢ | U.S. 18.3¢ | state | EIA, July 2026 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Middleburgh and its neighbors
One source per column.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Middleburgh | C+ | — | $194K | 2.49% | $1,340 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Middleburgh
Is Middleburgh expensive to live in?
Measured against what households in the area earn, Middleburgh costs more than 55% of U.S. towns: a C+ for cost of living. The typical home costs 2.2 years of the median household income of the Albany-Schenectady-Troy, NY metro area ($88K).
How much is rent in Middleburgh?
HUD puts a two-bedroom at about $1,340 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $981 (Census 2020–24).
What are property taxes in Middleburgh?
The median bill is $4,818 a year, 2.49% of the median home value (New York: $6,582, 1.55%), from the Census 2020–24.
Neighbors talk housing
What Middleburgh buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.