City Report · FL

Middleburg

Pop. 11,644·196th most expensive in Florida·Rental market data updated monthly for Middleburg, FL

Median rent (all units)

$1,940/mo

Year-over-Year

+2.1%

Month-over-Month

+0.3%

vs US Median

+$8

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

Middleburg · $1,940

More expensive than 56% of US cities · National median $1,932/mo

Rent Reality Score

67/100

Good value

OverheatedFairGreat value

Rents are 9% below what Middleburg's 10-year trend predicts — a better deal than its own history suggests.

Actual rent

$1,940/mo

Expected by trend

$2,123/mo

The Rent Reality Score compares today's median rent to where Middleburg's own long-run trajectory projects it should be. See the full rankings →

Medians by bedroom

Rent by unit size

Studio

$1,420

1 BR

$1,500

2 BR

$1,780

3 BR

$2,230

4 BR+

$2,820

Fair Market Rent (HUD)

$1,780/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,940 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

January. Asking rents in Middleburg usually run 1% below trend in January and 0.7% above it in September, about $33 a month apart at today's median. Based on 11 years of data.

Compared with the peak

Rent in Middleburg is at its highest level since Zillow's records here began in January 2015.

Past year vs. the rest of Florida

Rent in Middleburg changed +2.1% over the year to September 2026. Across the 270 Florida cities Zillow tracks, the typical change was +1.8%.

Rent vs. income since 2019

From 2019 to 2024, rent in Middleburg rose 42.2% while median household income rose 28% ($58,327 to $74,634). Rent outpaced income.

Since before the pandemic

Rent in Middleburg is 43.9% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.

Recent direction

Rent has risen 2 months in a row, and rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($74,634) is $1,866 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,780); a 3-bedroom is $2,230.

Cheaper nearby

Orange Park, 9 miles away, rents for 17% less ($1,605/mo), about $4,000 a year in savings.

From Zillow's monthly rent index (ZORI) for Middleburg. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$23,280/yr

At $1,940/mo median

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.1% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.1% YoY, +0.3% MoM), not inventory.

Rent check

Is your rent fair?

Compare your rent to the local median.

Demographics

Who lives here

Middleburg, FL is majority owner-occupied, 18.9% of residents hold a bachelor's degree or higher.

Population

11,644

Median income

$74,634

Median age

44.7

Renters

12.8%

Age distribution

21.3%

17.6%

28.5%

16.4%

16.3%

Under 1821.3%

18–3417.6%

35–5428.5%

55–6416.4%

65+16.3%

Gender

53.5%

46.5%

Male53.5%

Female46.5%

Race & ethnicity

82.4%

White82.4%

Black2.9%

Hispanic7.7%

Asian1.2%

Other5.8%

Education (25+)

12.1%

32.6%

36.4%

18.9%

No HS diploma12.1%

HS diploma32.6%

Some college36.4%

Bachelor's+18.9%

Housing tenure

87.2%

12.8%

Owner87.2%

Renter12.8%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Middleburg, FL has changed in 5 years

Rent

$1,496 → $1,940

up 29.7%

Income

$63,198 → $74,634

up 18.1%

Population

12,127 → 11,644

down 4.0%

Renter share

15.1% → 12.8%

-2.3 pts

Bachelor's+

18% → 18.9%

+0.9 pts

Median age

43.3 → 44.7

+1.4 yrs

The median rent in Middleburg, FL stood at $1,496 in 2021 and currently runs about $1,940, reflecting a 29.7% increase over the period. Median household income rose from $63,198 to $74,634 between 2021 and 2024, a 18.1% shift. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has contracted by 4.0% since 2021, moving from about 12,127 residents to roughly 11,644. Renters now make up 12.8% of households, compared with 15.1% five years ago. Taken together, the five-year picture in Middleburg, FL reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

Community

Discussions about Middleburg

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View Middleburg rent history (2015–2026) →

Salary vs rent

Can you afford rent in Middleburg on your salary?

At $1,940/mo, how Middleburg rent compares to typical pay (30% rule).

Registered Nurse

Avg $87,866/yr · Rent = 26.5% income

affordable

Elementary School Teacher

Avg $62,384/yr · Rent = 37.3% income

stretched

Police Officer

Avg $71,861/yr · Rent = 32.4% income

stretched

Software Developer

Avg $128,442/yr · Rent = 18.1% income

very comfortable

Lawyer

Avg $164,117/yr · Rent = 14.2% income

very comfortable

Firefighter

Avg $58,413/yr · Rent = 39.9% income

stretched

Truck Driver

Avg $52,740/yr · Rent = 44.1% income

rent-burdened

Electrician

Avg $65,007/yr · Rent = 35.8% income

stretched

By apartment size

Middleburg rent by bedroom count

Median rent for each apartment size in Middleburg. Click any size for full breakdown.

Local insights

Tips for renters in Middleburg

About renting in Middleburg, FL

Last updated: October 17, 2026

The median rent in Middleburg is $1,940/mo as of October 2026. A studio apartment averages $1,420/mo while a 2-bedroom runs $1,780/mo. One-bedroom apartments average $1,500/mo and 3-bedroom units go for $2,230/mo.

At 31% of local median household income ($74,634/yr), Middleburg ranks as moderate compared to the national benchmark of 30%. Rents have increased 2.1% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in Middleburg?

To keep rent at or below 30% of gross income, you would need to earn at least $78,000/year (about $38/hour full-time) to afford the median rent of $1,940/mo in Middleburg. The local median household income is $74,634/yr, so the typical household falls short of that bar.

Is rent going up or down in Middleburg?

Rent in Middleburg has risen 2.1% over the past year as of September 2026. That is the highest level since Zillow's records here began in January 2015.

When is the cheapest time to rent in Middleburg?

Asking rents in Middleburg are usually lowest in January, about 1% below their yearly trend, and highest in September, about 0.7% above it. At today's median that is a gap of roughly $33 a month. This pattern comes from 11 years of Zillow rent data.

Has rent outpaced income in Middleburg?

Yes. From 2019 to 2024, rent in Middleburg rose 42.2% while median household income rose 28%, from $58,327 to $74,634. Rent is Zillow's yearly average; income is the Census 5-year estimate for the same years.

How does Middleburg rent compare to other cities in Florida?

Middleburg is one of the more affordable among Florida cities for rent, ranking #196 of 289 tracked cities at $1,940/mo. Over the year to September 2026, rent in Middleburg changed +2.1%, against a typical +1.8% across the 270 Florida cities Zillow tracks.