Market Overview
Home Prices in Middleburg, KY
The median home value in Middleburg, KY is $154,559 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 6.3% compared to a year ago and up 6.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Middleburg are priced62% below average.
Over the past five years, Middleburg home values have risen by approximately30.8%, reflecting strong long-term appreciation in this market.
Price History
Middleburg Home Price Trend
2020
$96,027
$96K
—
2021
$118,206
$118K
+23.1%
2022
$138,256
$138K
+17.0%
2023
$146,555
$147K
+6.0%
2024
$154,210
$154K
+5.2%
2025
$164,908
$165K
+6.9%
2026
$154,559
$155K
-6.3%
City Comparison
Middleburg vs. National Median
🏠 Middleburg
$154,559
National Median
$410,000
At $154,559, homes in Middleburg cost 62% below the national median of $410,000. This makes Middleburg a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Middleburg?
20% Down Payment
$30,912
on $154,559
Monthly P&I
$806/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,024/mo
incl. taxes & insurance
Income Needed
$40,960
gross annual (30% rule)
10% Down Option
$15,456
+ PMI applies
Loan Amount (20% dn)
$123,647
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Middleburg, KY?
The median home value in Middleburg is $154,559 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 6.3% year-over-year.
How much have home prices changed in Middleburg?
Over the past year, home values in Middleburg have decreased by 6.3%. Over five years, prices have risen approximately 30.8%.
How much do I need to earn to buy a home in Middleburg?
To comfortably afford the median home price of $154,559 with a 20% down payment ($30,912) at today's rates (6.8%), you'd need a gross annual income of approximately $40,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Middleburg compare to the national average home price?
The national median home value is approximately $410,000. At $154,559, homes in Middleburg are 62% below the national average.