Median home value in zip code 10940 (Middletown, NY) is $384,276, up 3.2% year over year. Part of the Poughkeepsie-Newburgh-Middletown, NY metropolitan area.

Home Value$384,276

YoY Change

+3.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 10940 (Middletown).

Income (annual)

Down Payment

$76,855 on $384,276

Example: $75,000 household income. Change it above to see your own.

Out of reach42.3% of income

Need $113,314/yr to afford.

PITI$2,644

P/I42.3%

Afford$254K

Gap-$130K

P&I $1,943Tax $551Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Metro Analysis

10940 is part of the Poughkeepsie-Newburgh-Middletown, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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