How much do homeowners pay a month in Middletown, KY?

Name: Homeowner costs in Middletown, KY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Middletown, KY pay a median of $2,046 (±$176) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $700 (±$45).

59.2% of owned homes carry a mortgage.

In Middletown, the median monthly cost with a mortgage went from $1,393 in 2015–2019 to $2,046 in 2020–2024 (+46.9%).

Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $2,046 (±$176)
Without a mortgage: $700 (±$45)
Owned with a mortgage: 59.2%

Monthly owner costs in Middletown

Median selected monthly owner costs, estimate (90% margin of error)
	Middletown	Jefferson County	Kentucky	United States
With a mortgage	$2,046 (±$176)	$1,593 (±$17)	$1,433 (±$7)	$1,963
Without a mortgage	$700 (±$45)	$608 (±$9)	$469 (±$3)	$638
Owned homes with a mortgage	59.2% (±6.2 points)	63.7% (±0.7 points)	56.1% (±0.3 points)	60.6%
Median real estate taxes (a year)	$2,715 (±$144)	$2,136 (±$34)	$1,544 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Middletown, the median cost with a mortgage is higher than in Jefferson County ($1,593).

It is also higher than in Kentucky ($1,433).

It is not measurably different from the national figure ($1,963).

In Jefferson County, Middletown ranks 33 of 82 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 42 of 430.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Middletown have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,393 (±$94)	$2,046 (±$176)	+46.9%	Up after inflation
Median real estate taxes	$1,900 (±$133)	$2,715 (±$144)	+42.9%	Up after inflation
Median home value	$215,100 (±$10,919)	$336,000 (±$17,457)	+56.2%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Middletown

Nearest places with a published estimate, compared with Middletown
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Middletown	—	$2,046 (±$176)	—
Woodland Hills	0.5 mi	$1,630 (±$159)	Lower
Douglass Hills	1.8 mi	$1,855 (±$160)	Not measurably different
Anchorage	2.1 mi	$3,653 (±$458)	Higher
Sycamore	2.2 mi	$1,380 (±$67)	Lower
Blue Ridge Manor	2.4 mi	$1,516 (±$116)	Lower
Wildwood	3.0 mi	$1,768 (±$161)	Lower
Jeffersontown	3.7 mi	$1,601 (±$64)	Lower
Meadowbrook Farm	3.8 mi	$1,500 (±$630)	Not measurably different

Nearby places with a measurably lower figure: Woodland Hills, KY ($1,630), Sycamore, KY ($1,380), Blue Ridge Manor, KY ($1,516).

Nearby places with a measurably higher figure: Anchorage, KY ($3,653).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Jefferson County, place by place

Rank	Place	Median monthly cost with a mortgage
27	Crossgate	$2,233 (±$218)
28	Brownsboro Farm	$2,190 (±$187)
29	Brownsboro Village	$2,170 (±$358)
30	Richlawn	$2,150 (±$235)
31	Strathmoor Village	$2,121 (±$145)
32	Windy Hills	$2,103 (±$211)
33	Middletown	$2,046 (±$176)
34	Audubon Park	$2,045 (±$302)
35	Bellemeade	$2,038 (±$199)
36	Beechwood Village	$2,027 (±$171)
37 (tie)	Goose Creek	$2,000 (±$191)
37 (tie)	Thornhill	$2,000 (±$209)
39	Meadowview Estates	$1,948 (±$592)

Showing 13 of 82 places in Jefferson County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Middletown

What is the average mortgage payment in Middletown?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Middletown, KY is $2,046 (±$176) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Middletown?

Owners without a mortgage in Middletown pay a median of $700 (±$45) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Middletown gone up?

In Middletown, the median monthly cost with a mortgage went from $1,393 in 2015–2019 to $2,046 in 2020–2024 (+46.9%).

Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Middletown city, Kentucky (place:51978, in state:21).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.