Living in Middleburg, Florida: The 2026 Data Guide
Middleburg is in Clay County, Florida (ZIP codes 32068, 32043). · Homes for sale in Middleburg · Clay County
As of 2026-09-07, the median home sold in Middleburg, Florida over the last 12 months went for $312,000 (721 closings across 116 communities in Momentum’s MLS record), about $188 per square foot for a median 1,860-sq-ft home built around 2005. Homes currently listed have been on the market a median of 38 days, and with 256 active listings against that sales pace the city is carrying roughly 4.3 months of supply. Sellers have been getting about 96% of their original asking price. That median is 22% below the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Middleburg
Three price points from 443 recent Middleburg closings in our record, each showing what actually closed within 10% of that price:
- Around $258,440: the typical sale in this band was a 3-bed, 2-bath home of about 1,454 sq ft, built around 2005 (124 sales).
- Around $312,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,776 sq ft, built around 2005 (94 sales).
- Around $399,000: the typical sale in this band was a 4-bed, 2-bath home of about 2,096 sq ft, built around 2007 (88 sales).
The real monthly cost of owning in Middleburg
Take the median $312,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $1,612/month. Clay County’s typical total millage is 15.05 mills, so after the $50,000 homestead exemption the property tax is roughly $3,944/year ($329/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Clay County is about $1,189/year; private-market quotes vary with roof age and wind mitigation. 71% of current Middleburg listings carry an HOA, with a median of $110/month where one applies. All in, budget on the order of $2,150/month to own the median Middleburg home including a typical HOA.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Clay County property tax guide and our home insurance by county map.
Where people are buying: Middleburg’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Orange Park South | 68 | $352,500 | 37 |
| Black Creek Park | 47 | $390,000 | 35 |
| Jennings Farm | 44 | $500,990 | 104 |
| Middleburg | 42 | $299,995 | 39 |
| Atlantis Pointe | 39 | $240,990 | 25 |
| Corsair | 33 | $264,990 | 101 |
| Two Creeks | 33 | $439,000 | 41 |
| Azalea Ridge | 32 | $312,500 | 58 |
Middleburg by ZIP code
Sales and medians by ZIP over the same 12 months: 32068 (433 sales, median $305,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 74% were single-family homes, 16% townhomes or villas, and 0% condos. New construction accounted for 32% of closings, led by Jennings Farm, Atlantis Pointe, Corsair, The Landing at Brannan Field, Double Branch. The housing stock skews newer: 40% of homes sold were built in 2015 or later and 3% before 1980.
Getting around from Middleburg
Measured from the center of Middleburg’s recent sales: Downtown Jacksonville is about 19 miles; Jacksonville International Airport (JAX) is about 28 miles; St. Augustine is about 34 miles; Gainesville is about 43 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Clay County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Clay County’s typical millage of 15.05; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Clay County average of $1,189/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Middleburg: the case for and against
What works in Middleburg’s favor
- prices run 22% below the statewide median in our coverage
- homes move quickly (median 38 days listed), so well-priced homes get competition
- 32% of sales are new construction, so builder incentives and warranties are part of the market
- insurance is comparatively manageable here (Citizens average $1,189/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- 71% of listings carry an HOA (median $110/month)
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Middleburg relocation toolkit
- Homes for sale in Middleburg right now
- Cost of living in Middleburg
- Best neighborhoods in Middleburg
- New construction in Middleburg
- Find an agent in Middleburg
- Search every Middleburg community
Common questions about moving to Middleburg
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<a href="https://movewithmomentum.com/moving-to-middleburg">Living in Middleburg, FL (2026): Home Prices, Cost to Own, Neighborhoods & Taxes — Momentum Realty</a>Sales figures are Momentum Realty’s MLS record of closings in Middleburg communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Clay County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.