Is Middleburg, FL a good place to live?

By Jon Brooks, Co-Founder, Momentum Realty

Data as of September 16, 2026. Figures are aggregates from licensed MLS records, IRS migration files, Zillow indexes, Census income and population, and Citizens Property Insurance; sources are named where they appear.

The short answer, by the numbers

Middleburg homes sold for a median of $316,500 over the last 12 months, +2.2% year over year. Homes take about 47 days to sell and the city holds 4.4 months of supply, which reads as a balanced market. Owning the median home runs about $2,027 a month with taxes and insurance, against a median household income near $86,094 (24.5% of income). Prices sit at 3.9 times local income, inside the range lenders and planners treat as affordable.

What it costs to live in Middleburg

The cost-to-own figure is principal and interest at today’s prevailing 30-year rate with a 20% down payment, plus the county’s median tax bill and a typical insurance premium. Your own number moves with the rate you lock and the home’s flood zone and roof.

How Middleburg home prices have moved

Appreciation has run -0.8% over the last year, +3.9% a year over five years, +6.6% a year over ten. The median went from $169,477 in 2017 to $316,500 over the last 12 months, +87% in 9 years.

The Middleburg market right now

What sells here: Manufactured Home 100%.

By price band, where the supply and the waiting are:

Weather, flood and insurance exposure

Insurance is the line item that surprises people. Citizens, the state-backed insurer of last resort, averages $1,189 a year in Clay County across 606 policies. Roof age, wind-mitigation features and flood zone move a quote more than anything else, so price insurance before you write an offer, not after. The Middleburg hurricane and flood exposure page has the NOAA storm record since 1950, the share of homes in FEMA flood zones and the building-code era of the housing stock.

Who is moving to Middleburg

IRS county-to-county returns for Clay County show 19,261 people moving in and 15,650 moving out in the latest filing year, a net of +3,611. Out-of-state arrivals came mostly from CA, VA, NY, NC. Households arriving reported an average adjusted gross income of $65,179 against $61,245 for those leaving. Clay County’s population grew from 207,291 in 2018 to 223,436 (+8%), and median household income rose +37% over the same stretch.

The trade-offs, by the numbers

What the numbers argue for: price-to-income of 3.9x (affordable by the four-times rule); 24.5% of median income to own the median home (inside the 28% guideline); five-year appreciation of +3.9% a year; prices still rising, +2.2% over the last year; 4.4 months of supply (a balanced market); Citizens average premium $1,189 a year; net migration +3,611 people a year into the county; median property tax bill $2,080 a year.

None of this describes the people who live here; it describes what it costs to buy in, what you carry each month, and how the market has treated owners. Neighborhood fit is a visit, not a statistic.

Keep researching Middleburg

• Homes for sale in Middleburg, FL
• Best neighborhoods in Middleburg
• Moving to Middleburg: the guide
• Cost of living in Middleburg
• Middleburg housing market tracker
• Recently sold homes in Middleburg (aggregates)
• Clay County property tax guide
• Middleburg hurricane and flood risk
• How to find the best real estate agent in Middleburg

Common questions

Market figures are aggregates as of September 16, 2026 and change over time; no individual sale is shown. General information, not legal, tax or financial advice. Equal Housing Opportunity.