The median home in Middletown, New York is valued at $395,889, up 3.3% year over year. Typical monthly rent is $2,146, producing a price-to-rent ratio of 15.4x — near the national average of 18x. Middletown is part of the Poughkeepsie-Newburgh-Middletown, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Poughkeepsie-Newburgh-Middletown, NY stress score, crash risk, and 12-month forecast →

Home Value$395,889

+3.3%

Rent$2,146/mo

AFFORDABILITY

Enter your income for Middletown.

Income (annual)

Down Payment

$79,178 on $395,889

Out of reach — 43.5% of income

Need $116,529/yr to afford.

PITI$2,719

P/I43.5%

Afford$255K

Gap-$141K

P&I $2,002Tax $567Ins $150

Renting $573/mo cheaper ($2,146 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Middletown with other housing markets across New York.

Sagaponack$7210K Water Mill$4535K Bridgehampton$4439K Wainscott$3780K Sands Point$3176K Amagansett$2966K Old Westbury$2853K Quogue$2769K

Full Poughkeepsie-Newburgh-Middletown, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Poughkeepsie-Newburgh-Middletown, NY metro.

View Poughkeepsie-Newburgh-Middletown, NY metro →

MIDDLETOWN, NY