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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, VA Housing Affordability Index

Middleburg, Virginia has an MBR Housing Affordability Index score of 68.4 (Significantly Less Affordable) as of October 30, 2026, ranking 341st most affordable of 344 scored Virginia cities, compared with 94.8 statewide and 97.4 nationally. On a median-priced $777,000 home with 20% down, the Virginia average 30-year fixed rate of 7.33% means a monthly principal and interest payment of about $4,275, or 49% of the city’s $104,545 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Middleburg is updated every night from live Virginia 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 68.4 Significantly Less Affordable
Rank in Virginia 341 of 344 1 = most affordable
Virginia 94.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.33% Virginia lenders
Median home value $777,000 U.S. Census Bureau

Middleburg is 26.4 points below the Virginia score. Scores as of October 30, 2026. See the Virginia index

View Middleburg Mortgage Rates

What It Takes to Buy in Middleburg

$4,275/mo
Principal & Interest
Median home, 20% down, 7.33%
$183,200
Income Needed
To keep the payment at 28% of income
$104,545
Median Household Income
Virginia: $93,170
7.4x
Price-to-Income Ratio
Virginia: 4.1x
$2,161/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,925/yr
Median Property Tax
0.76% of median value
40.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
41.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Middleburg, Virginia. The rate is the Virginia 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, Virginia score: 68.4 (Significantly Less Affordable), ranked 341 of 344 Virginia cities. monitorbankrates.com/housing-affordability-index/virginia/middleburg”