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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Middleburg, PA Housing Affordability Index

Middleburg, Pennsylvania has an MBR Housing Affordability Index score of 145.2 (Highly Affordable) as of October 30, 2026, ranking 514th most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $163,700 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $892, or 18% of the city’s $58,523 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Middleburg is updated every night from live Pennsylvania mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Middleburg MBR-HAI 145.2 Highly Affordable
Rank in Pennsylvania 514 of 1,325 1 = most affordable
Pennsylvania 108.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.23% Pennsylvania lenders
Median home value $163,700 U.S. Census Bureau

Middleburg is 36.9 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Middleburg Mortgage Rates

What It Takes to Buy in Middleburg

$892/mo
Principal & Interest
Median home, 20% down, 7.23%
$38,200
Income Needed
To keep the payment at 28% of income
$58,523
Median Household Income
Pennsylvania: $77,971
2.8x
Price-to-Income Ratio
Pennsylvania: 3.3x
$1,065/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,074/yr
Median Property Tax
0.66% of median value
11.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
21.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Middleburg, Pennsylvania. The rate is the Pennsylvania average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Middleburg Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Middleburg, Pennsylvania score: 145.2 (Highly Affordable), ranked 514 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/middleburg”