The typical owner-occupied home in Middleport is worth about $115,400, 73% below the New York median of $423,800 and 65% below the national median of $332,700. Owners pay a median $3,507 a year in property taxes, about 3.04% of their home's value, higher than the New York rate of 1.55%. The median household earns $67,375 a year, so the median home costs 1.7 times the median income (4.9 times for New York). 72% of occupied homes here are lived in by their owners, and 67% of those owners still have a mortgage.
Middleport at a glance
| Middleport | New York | U.S. | |
|---|---|---|---|
| Median home value | $115,400 | $423,800 | $332,700 |
| Median property tax paid per year | $3,507 | $6,582 | $3,119 |
| Property tax as a share of value | 3.04% | 1.55% | 0.94% |
| Median household income | $67,375 | $85,974 | $80,734 |
| Homes lived in by their owners | 72% | 54% | 65% |
| Owner homes with a mortgage | 67% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,308 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 17.0% | 22.5% | 21.0% |
| Median rent | $770 | $1,621 | $1,413 |
| Rent as a share of renters' income | 27.1% | 31.2% | 30.6% |
| Median year homes were built | 1938 | 1959 | 1980 |
| Vacant homes | 6.7% | 10.0% | 10.1% |
| Population | 1,987 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Middleport
At this week's average 30-year rate of 7.11%, buying the median Middleport home of $115,400 with 20% down costs about $961 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,154, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $41,206 for the 20%-down payment. That payment is 17% of the median Middleport household income of $67,375; at that income and 20% down, the 28% guideline points to a home of about $189,000.
The median rent here is $770 a month, so owning the median home costs about $191 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $23,080 |
|---|---|
| Loan amount | $92,320 |
| Principal and interest | $621 |
| Property taxes (3.04% a year) | $292 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| PMI | $0 |
| Total per month | $961 |
Change the numbers in the calculator
| Down payment | $4,039 |
|---|---|
| Loan amount | $113,310 |
| Principal and interest | $762 |
| Property taxes (3.04% a year) | $292 |
| Homeowners insurance (our estimate, 0.5% a year) | $48 |
| FHA mortgage insurance | $51 |
| Total per month | $1,154 |
Change the numbers in the calculator
Questions about home buying in Middleport
What is the median home value in Middleport?
About $115,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Middleport?
Homeowners pay a median $3,507 a year, which is about 3.04% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Middleport?
For the median home with 20% down at 7.11%, the payment is about $961 a month. Keeping that under 28% of gross income takes about $41,206 a year.
More about Middleport
- Mortgage Refinance in Middleport
- Debt Relief in Middleport
- Home Equity Loans in Middleport
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data