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Florida real estate · Clay County

Middleburg, Florida Real Estate

Homes, values and local insight for Middleburg, Clay County, Florida. Typical home value $327,000.

Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes

Ryan and Megan Winslow Broker Owners3,000+ homes soldSince 2009 REALTOR®4 states broker in FL, MA, CT, RIU.S. Army RetiredBest of Central MA winners
$327,000Typical home value
-0.6%Home values, past year
11,911Residents (2024)
$70,877Median household income
Homes for sale

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About

Living in Middleburg

Middleburg is a community in Clay County, Florida, home to about 11,911 people across 19.6 square miles of land. The median household income is $70,877 and 85% of households own their home. The median home was built in 1994.

Nearby you will find Penney Farms, Lawtey, Green Cove Springs. Ryan and Megan help buyers compare Middleburg with these towns on price, commute and lifestyle.

Homes in Middleburg, Florida
Market data

Middleburg by the numbers

The typical home in Middleburg is worth $327,000, 3% below the Clay County typical value of $336,000 and 13% below the Florida typical value of $375,000.

Typical home value

$327,000

Zillow Home Value Index for Middleburg, August 2026. The middle of the market for single family homes and condos.

5 year change

+18.3%

Home values in Middleburg moved +18.3% over five years and +93.0% over ten.

Median rent

$1,094/mo

Median gross rent in Middleburg. Useful for investors running rental numbers.

Homeownership

85%

Share of occupied homes in Middleburg lived in by the owner.

Median year built

1994

A newer housing stock means fewer surprises at inspection.

Household income

$70,877

Median household income in Middleburg.

Mortgage planning for a home in Middleburg
Financing

Buying in Middleburg with the right loan

Ryan and Megan are mortgage bankers with The Federal Savings Bank, lending in all 50 states. You get the home and the loan from one team. On a typical Middleburg home of $327,000:

  • FHA, 3.5% down: $11,436 down, loan of $315,000
  • Conventional, 5% down: $16,337 down, loan of $310,000
  • Conventional, 20% down: $65,347 down, loan of $261,000
  • VA, 0% down for eligible veterans, loan of $327,000
Selling

What is your Middleburg home worth?

Ryan and Megan price Middleburg homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.

Home for sale in Middleburg
Nearby

Towns near Middleburg

Clay County

More in Clay County

See the full Clay County real estate guide or the Florida real estate guide.

FAQ

Common questions

What is the typical home value in Middleburg, FL?

The Zillow Home Value Index for Middleburg was $327,000 in August 2026, -0.6% over the past year.

What county is Middleburg in?

Middleburg is in Clay County, Florida.

How many people live in Middleburg?

About 11,911 people as of the 2024 Census Bureau estimate.

Who are the best real estate agents in Middleburg?

Ryan and Megan Winslow of Winslow Homes have sold over 3,000 homes since 2009 and are licensed in Florida, Massachusetts, Connecticut and Rhode Island. Call or text 386-690-5858.

How do I get pre-approved to buy in Middleburg?

Apply at www.winslowloan.com. Ryan and Megan are mortgage bankers with The Federal Savings Bank and lend in all 50 states, including FHA, VA and conventional loans.

Do most people in Middleburg own or rent?

85% of occupied homes in Middleburg are owner occupied, based on the 2019 to 2023 American Community Survey.

Talk to Ryan and Megan

Ready to move in Middleburg?

17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.

Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.

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Coming soon in Middleburg, FL

Get coming-soon homes, pocket listings and price drops in Middleburg, FL before they hit the big home search sites.

Middleburg home values by ZIP code

The typical home in Middleburg is worth $327,605 as of August 2026 in ZIP code 32068. Values moved -0.7% over the last 12 months at the middle ZIP code.

ZIPTypical value12 months5 yearsMedian sale, Mar to May 2026Days on market
32068$327,605-0.7%+18.2%$345,00063

Sources: Zillow Home Value Index through August 2026 and the Redfin Data Center ZIP code tracker, March to May 2026. Ask Ryan and Megan for a value for your own home.