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Florida Housing Data · ZIP Scorecard

Middleburg, FL (32068) housing scorecard.

Home value, rent, cap rate, 5-year growth, price versus incomes and our 0 to 100 Momentum Market Score for ZIP 32068, free, from Zillow, Realtor.com and Census data.

Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED. Score by Momentum Realty (methodology).
Updated 2026-08-01
78/ 100
Momentum Market Score
Strong buyer value
Middleburg, FL (32068) is priced low against incomes with real negotiating room.

The typical home runs about 4.0 times the local median income, which is roughly 20.0% cheaper than the Florida norm. Gross rent yield is around 7.32%. Values are up roughly 4.3% a year over the last five years. Owning the typical home at today's 6.52% 30-year rate takes about 24.3% of a median income in principal and interest, the affordability squeeze in one number. About 31.9% of listings have cut their price.

$329,821
Home value
1yr -1.1%
4.3%
5yr growth/yr
ZHVI CAGR
$2,011
Median rent
monthly (ZORI)
7.32%
Cap rate
gross yield
4.0x
Price to income
value vs incomes
-20.0%
Over/undervalued
vs FL norm
24.3%
Affordability
income to own/yr
56
Days on market
median (Realtor)
31.9%
Price cuts
share of listings
$82,410
Median income
household (Census)
58,196
Population
Census ACS
84
New listings
last month

Typical home value, last 13 months

What drives the score

Cheapness vs income85
Price-cut leverage87
Inventory growth65
Affordability85
Rent yield63

Each bar ranks this ZIP against every other Florida ZIP (0 = lowest, 100 = highest) on that input, then weighted into the score. Full methodology.

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Common questions

Is Middleburg, FL (32068) a buyer's or seller's market?

By the Momentum Market Score, Middleburg, FL (32068) reads strong buyer value (78 out of 100), meaning it is priced low against incomes with real negotiating room. The score blends value versus incomes, price cuts, inventory growth, affordability and rent yield.

What is the typical home value in Middleburg?

About $329,821 (Zillow Home Value Index, 2026-08-01), up roughly 4.3% a year over five years.

Where does this data come from?

Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census (income, population), Freddie Mac via FRED (rate). Score and derived metrics by Momentum Realty, methodology here.

Data: Zillow Research, Realtor.com, U.S. Census Bureau ACS, and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED. Score by Momentum Realty.

Housing distress & ownership in ZIP 32068

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
3.65%
12 of 329 listings · short sale 10, auction 1, foreclosure 1
Months of supply
4.2
balanced · active inventory ÷ sales pace (trailing 12 mo)
Out-of-state owners
10.9%
mailing address outside FL
Non-homestead
39.9%
not owner-occupied (investor/2nd-home proxy)
Median just value
$247,015
27,463 parcels
Median owner tenure
1 yrs
years since the home last sold (county tax roll)
Owners at 2× their price
3.9%
today’s just value is at least double the last sale price
Median closed sale price — $310,500 · ▲ 1.3% yr (12-mo rolling)
Distress share trend — 3.65% now (2026-08-10 → 2026-08-11)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.

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