Market Overview
Home Prices in Middleville, NY
The median home value in Middleville, NY is $184,477 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.5% compared to a year ago and up 5.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Middleville are priced55% below average. Middleville is part of the Utica-Rome, NY metro area.
Over the past five years, Middleville home values have risen by approximately39.9%, reflecting strong long-term appreciation in this market.
Price History
Middleville Home Price Trend
City Comparison
Middleville vs. National Median
At $184,477, homes in Middleville cost 55% below the national median of $410,000. This makes Middleville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Middleville?
20% Down Payment
$36,895
on $184,477
Monthly P&I
$962/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,222/mo
incl. taxes & insurance
Income Needed
$48,880
gross annual (30% rule)
10% Down Option
$18,448
+ PMI applies
Loan Amount (20% dn)
$147,582
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 Middleville, NY?
The median home value in Middleville is $184,477 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.5% year-over-year.
How much have home prices changed in Middleville?
Over the past year, home values in Middleville have increased by 3.5%. Over five years, prices have risen approximately 39.9%.
How much do I need to earn to buy a home in Middleville?
To comfortably afford the median home price of $184,477 with a 20% down payment ($36,895) at today's rates (6.8%), you'd need a gross annual income of approximately $48,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Middleville compare to the national average home price?
The national median home value is approximately $410,000. At $184,477, homes in Middleville are 55% below the national average.
What metro area is Middleville part of?
Middleville is part of the Utica-Rome, NY metropolitan area. Home prices and market conditions can vary across the broader metro region.