Triplex
13 Benton Ave · Middletown, NY
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $691 – $1,283
Heat risk 5/10 · Moderate
- Hot days now (above 100°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 4/10 · Minor
- Chance of severe wind over 30 yrs
- 10.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the A- grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +30.0/30.0
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Schools +5.1/10.0
- Rent growth +4.6/5.0
- Livability +4.1/5.0
- Condition / age +2.2/5.0
- Appreciation +0.0/10.0
$345,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 3 units. confirmed
Listing remarks MLS
Two separate units with ample parking located within walking distance to grocery stores. A great investment opportunity. Rents are low. With a little updating, rents can be higher. The building is not in the area being converted back to single family. Recent updates: boiler 2013,2 hot water heaters, 2013, front porch, 2013,exterior painting. This home also has a front entry and rear enclosed fire escape. Great for office. Owner just got approval to turn first floor into another apartment, 11/5/2014 Ground floor unit used as office and storage.
Key facts
- 6,325 sq ft lot
- Built 1870
- Listed 102 days
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3 × 1-bed/1.0-bath units multifamily listed at $345k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $2k ($22k/yr) — positive. Per door: $606/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($5k rent vs $345k).
- Recommended offer: $314k (9.0% below list) — sets the bar for market timing.
- Cap rate 12.6% vs local median 3.7% in Middletown — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 82/100 on livability (#79 in NY, #1,219 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, housing A+, health & safety A+; Watch: commute C-.
- Middletown City School District (suburban): math 41% / reading 55% proficiency, ranked #411 of 590 in NY (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
- Zoned schools: Maple Hill Elementary School (math 32% / reading 38%, grade F, #1,569 of 2,108 statewide, top 75%, 1,012 students, 80% FRL); Monhagen Middle School (math 16% / reading 39%, grade F, #576 of 729 statewide, top 79%, 817 students, 75% FRL); Middletown High School (math 90% / reading 92%, grade A+, #203 of 1,100 statewide, top 20%, 2,523 students, 71% FRL).
- Market conditions: Rents rising fast (+8.2%/yr); 466 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 119d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 65% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,746 units permitted in Orange County in 2024 (1,265 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
- At projected returns (-3.0% appreciation + 8.0% rent growth), your $97k cash investment doubles in ~5 years — after that, you're playing with house money.
Negotiation context
- It's been on market 103 days — a 9% lower offer ($314k) is reasonable based on typical stale-listing flexibility.
- 7 sale attempts since 13y ago; this cycle's ask has dropped $105k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $120k; list at $345k implies a 188% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1870 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 103 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1870 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.55% ✓
- Cap rate
- 12.62%
- Cash-on-cash
- 22.60%
- DSCR
- 2.01
- GRM
- 5.4
CMA / ARV
- ARV (median comp)
- $622,846
- List price
- $345,000
- Delta
- -44.61%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 41 Beers Dr | 0.46mi | 3/1.5 (+1) | 1,366 (-6%) | 1mo | $375,100 | $275 | 57 |
| 4 Saint Eve Ct | 1.46mi | 3/1.5 (+1) | 1,446 (-0%) | 1mo | $445,000 | $308 | 53 |
| 13 N Aspen Rd | 1.44mi | 3/2.0 (+1) | 1,484 (+2%) | 0mo | $350,000 | $236 | 52 |
| 28 Wilson St | 0.50mi | 3/2.5 (+1) | 1,624 (+12%) | 0mo | $462,000 | $284 | 49 |
| 196 Cottage St | 0.87mi | 3/1.0 (+1) | 1,382 (-5%) | 1mo | $325,000 | $235 | 43 |
| 9 Chestnut St | 0.84mi | 3/2.0 (+1) | 1,614 (+11%) | 1mo | $455,000 | $282 | 37 |
| 5 Dubois St | 0.88mi | 3/2.0 (+1) | 1,278 (-12%) | 1mo | $414,000 | $324 | 35 |
| 68 Ridgewood Ave | 0.74mi | 2/1.0 | 1,117 (-23%) | 0mo | $330,000 | $295 | 32 |
| 19 Hulse Ave | 0.89mi | 2/1.0 | 1,200 (-17%) | 0mo | $285,000 | $238 | 32 |
| 6 Eaton Ct | 1.13mi | 3/1.5 (+1) | 1,248 (-14%) | 1mo | $370,000 | $296 | 30 |
| 44 Commonwealth Ave | 0.89mi | 3/1.0 (+1) | 1,180 (-19%) | 1mo | $295,000 | $250 | 26 |
| 37 California Ave | 1.02mi | 3/1.0 (+1) | 1,152 (-21%) | 2mo | $315,000 | $273 | 26 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 8.0% rent growth · sell at horizon
- IRR
- 21.0%
- Equity multiple
- 1.91×
- Total profit
- $88,311
- Equity at exit
- $51,441
- IRR
- 32.4%
- Equity multiple
- 4.68×
- Total profit
- $355,049
- Equity at exit
- $29,829
Cash invested: $96,600 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 15 Strongly Tenant-Friendly
- State New York
- 15 Strongly Tenant-Friendly · D+10
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 10940
- Home prices YoY
- -18.7%
- Rents YoY
- 8.2%
- Active inventory
- 466
- Price-to-rent
- 16.1×
Monthly cashflow live
- Estimated rent
- $5,345 medium interval (Pro) →
- Mortgage (P&I)
- −$1,809
- Tax from tax record
- −$450 /mo · $5,403/yr
- Insurance
- −$144
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$1,122
- Net cashflow
- $1,819
3-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 3× units | 1 | 1 | $5,346 |
| #1 | 1 | 1 | $1,782 |
| #2 | 1 | 1 | $1,782 |
| #3 | 1 | 1 | $1,782 |
| Total (3 units) | $5,345 | ||
Break-even live
Sensitivity live
| Price | -10% $2,015 | -5% $1,917 | +0% $1,819 | +5% $1,722 | +10% $1,624 |
|---|---|---|---|---|---|
| Rent | -10% $1,397 | -5% $1,608 | +0% $1,819 | +5% $2,030 | +10% $2,242 |
| Rate | -1.0pp $1,993 | -0.5pp $1,907 | base $1,819 | +0.5pp $1,730 | +1.0pp $1,639 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $86,250
- Closing costs
- $10,350
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 17 Academy Ave Unit 2 Middletown, NY | 2.0 | 1.0 | 750 | $1,850 | $2.47 | 139d | 1 | 0.10mi |
| 8 Roberts St Unit 2-A Middletown, NY | 2.0 | 1.0 | 2132 | $2,000 | $0.94 | 119d | 1 | 0.15mi |
| 22 Cottage St Unit 3B Middletown, NY | 1.0 | 1.0 | 1250 | $2,000 | $1.60 | 119d | 1 | 0.18mi |
| 54 Sprague Ave Unit 1 Middletown, NY | 2.0 | 1.0 | — | $1,400 | — | 119d | 1 | 0.22mi |
| 30 E Main St Unit 4 Middletown, NY | 1.0 | 1.0 | 600 | $1,500 | $2.50 | 139d | 1 | 0.25mi |
| 30 E Main St Unit 4 Middletown, NY | 1.0 | 1.0 | — | $1,500 | — | 4d | 1 | 0.25mi |
| 31 Beattie Ave #2 Middletown, NY | 2.0 | 1.0 | 718 | $2,000 | $2.79 | 139d | 1 | 0.28mi |
| 2 E Main St Unit 4 Middletown, NY | 1.0 | 1.0 | 1000 | $1,650 | $1.65 | 139d | 1 | 0.30mi |
| 48 North St Middletown, NY | 1.0–2.0 | 1.0–2.0 | 834 | $2,265 | $2.72 | 0d | 10 | 0.31mi |
| 91 North St Unit 204 Middletown, NY | 1.0 | 1.0 | 828 | $1,700 | $2.05 | 6d | 1 | 0.32mi |
| 28 North St #1 Middletown, NY | 2.0 | 2.0 | 1200 | $2,000 | $1.67 | 139d | 1 | 0.32mi |
| 10 W Main St Unit 1 Middletown, NY | — | 1.0 | 1000 | $1,750 | $1.75 | 139d | 1 | 0.34mi |
| 23 W Main St Unit 1 Middletown, NY | 1.0 | 1.0 | 770 | $1,900 | $2.47 | 139d | 1 | 0.35mi |
| 108 North St Unit 303 Middletown, NY | 1.0 | 1.0 | 550 | $1,450 | $2.64 | 6d | 1 | 0.36mi |
| 44 Broad St Middletown, NY | 1.0 | 1.0 | 1684 | $1,700 | $1.01 | 139d | 1 | 0.38mi |
| 90 Washington St Unit 92 Middletown, NY | 2.0 | 1.0 | 1600 | $2,500 | $1.56 | 119d | 1 | 0.39mi |
| 90 Montgomery St Unit Upper Middletown, NY | 2.0 | 1.0 | 900 | $2,300 | $2.56 | 6d | 1 | 0.40mi |
| 89 Cottage St Unit 1466589P Middletown, NY | — | 1.0 | — | $3,353 | — | 109d | 1 | 0.42mi |
| 89 Cottage St Unit 1466615P Middletown, NY | 1.0 | 1.0 | — | $2,889 | — | 119d | 1 | 0.42mi |
| 125 Wickham Ave Unit 3B Middletown, NY | 2.0 | 1.0 | 650 | $2,000 | $3.08 | 6d | 1 | 0.43mi |
| 23 County Highway 108 Middletown, NY | 1.0–2.0 | 1.0–2.0 | 1023 | $2,263 | $2.21 | 0d | 6 | 0.47mi |
| 44 John St Unit 3 Middletown, NY | 1.0 | 1.0 | 650 | $1,500 | $2.31 | 139d | 1 | 0.47mi |
| 77 Linden Ave Middletown, NY | 1.0 | 1.0 | 742 | $1,675 | $2.26 | 139d | 1 | 0.49mi |
| 255 North St Unit 3 Middletown, NY | — | 1.0 | 600 | $1,600 | $2.67 | 6d | 1 | 0.50mi |
| 47 Brick Pond Rd Middletown, NY | 2.0 | 1.5 | 1460 | $2,350 | $1.61 | 6d | 1 | 0.53mi |
| 22 Sunnyside Ave Middletown, NY | 2.0 | 1.0 | 928 | $1,800 | $1.94 | 139d | 1 | 0.67mi |
| 11 Knapp Ave Apt 2 Middletown, NY | 2.0 | 1.0 | 950 | $2,500 | $2.63 | 139d | 1 | 0.67mi |
| 31 Liberty St Middletown, NY | 2.0 | 1.0 | 1090 | $2,000 | $1.83 | 109d | 1 | 0.67mi |
| 36 Wallkill Ave Unit 36 Middletown, NY | 2.0 | 1.0 | 500 | $2,050 | $4.10 | 109d | 1 | 0.69mi |
| 105 Woodlake Dr Middletown, NY | 2.0 | 2.5 | 2161 | $3,000 | $1.39 | 139d | 1 | 0.69mi |
| 1 Ruth Ct Middletown, NY | 2.0 | 1.0 | 984 | $2,200 | $2.24 | 119d | 1 | 0.70mi |
| 25 Ruth Ct Middletown, NY | 1.0 | 1.0 | 739 | $1,750 | $2.37 | 6d | 1 | 0.70mi |
| 47 Ruth Ct Middletown, NY | 2.0 | 1.0 | 994 | $1,950 | $1.96 | 6d | 1 | 0.72mi |
| 25 Knapp Ave #2 Middletown, NY | 2.0 | 1.0 | 984 | $2,200 | $2.24 | 0d | 1 | 0.75mi |
| 30 Knapp Ave Middletown, NY | 2.0 | 1.0 | 1532 | $1,800 | $1.17 | 139d | 1 | 0.76mi |
| 32 Palmer Ave Unit 5 Middletown, NY | 2.0 | 1.0 | 1100 | $2,000 | $1.82 | 139d | 1 | 0.79mi |
| 139 Ruth Ct Middletown, NY | 2.0 | 2.0 | 880 | $2,000 | $2.27 | 119d | 1 | 0.79mi |
| 140 Fairfax Ave Middletown, NY | 2.0 | 1.0 | 630 | $1,850 | $2.94 | 139d | 1 | 0.80mi |
| 201 Genung St Middletown, NY | 1.0–3.0 | 1.0–2.0 | 956 | $2,162 | $2.26 | 0d | 5 | 0.82mi |
| 358 North St Apt 3 Middletown, NY | 1.0 | 1.0 | 800 | $1,450 | $1.81 | 6d | 1 | 0.83mi |
Property features AI
Exterior
- Parking
- Parking lot availableNo carport
- Utilities
- Electricity connected (Orange & Rockland)Natural gas connectedPublic sewer
- Home design
- Duplex1450 total building area (public records)Property listed in actual condition
- Construction
- Brick construction
- Exterior features
- Brick exteriorNot waterfrontNo additional parcels
Interior
- Heating & cooling
- Steam heatingNo central cooling
- Interior features
- Eat-in kitchenPartial, unfinished basement
Listing history 50 events
-
2026-09-24days on market $345,000 Active 103 DOM
-
2026-09-23days on market $345,000 Active 102 DOM
-
2026-09-22days on market $345,000 Active 101 DOM
-
2026-09-21days on market $345,000 Active 100 DOM
-
2026-09-20days on market $345,000 Active 99 DOM
-
2026-09-19days on market $345,000 Active 98 DOM
-
2026-09-18days on market $345,000 Active 97 DOM
-
2026-09-17days on market $345,000 Active 96 DOM
-
2026-09-16days on market $345,000 Active 95 DOM
-
2026-09-15days on market $345,000 Active 94 DOM
-
2026-09-14days on market $345,000 Active 93 DOM
-
2026-09-13days on market $345,000 Active 92 DOM
-
2026-09-12days on market $345,000 Active 91 DOM
-
2026-09-11pricedays on market $345,000 Active 90 DOM
-
2026-09-05days on market $395,000 Active 84 DOM
-
2026-09-04days on market $395,000 Active 83 DOM
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2026-09-03days on market $395,000 Active 82 DOM
-
2026-08-31days on market $395,000 Active 79 DOM
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2026-08-30days on market $395,000 Active 78 DOM
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2026-08-29days on market $395,000 Active 77 DOM
-
2026-08-28days on market $395,000 Active 76 DOM
-
2026-08-27days on market $395,000 Active 75 DOM
-
2026-08-26days on market $395,000 Active 74 DOM
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2026-08-25days on market $395,000 Active 73 DOM
-
2026-08-24days on market $395,000 Active 72 DOM
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2026-08-23days on market $395,000 Active 71 DOM
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2026-08-22days on market $395,000 Active 70 DOM
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2026-08-21days on market $395,000 Active 69 DOM
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2026-08-20days on market $395,000 Active 68 DOM
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2026-08-19days on market $395,000 Active 67 DOM
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2026-08-18days on market $395,000 Active 66 DOM
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2026-08-17days on market $395,000 Active 65 DOM
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2026-08-16days on market $395,000 Active 64 DOM
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2026-08-15days on market $395,000 Active 63 DOM
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2026-08-14days on market $395,000 Active 62 DOM
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2026-08-13days on market $395,000 Active 61 DOM
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2026-08-12days on market $395,000 Active 60 DOM
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2026-08-11days on market $395,000 Active 59 DOM
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2026-08-10days on market $395,000 Active 58 DOM
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2026-08-09days on market $395,000 Active 57 DOM
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2026-08-08days on market $395,000 Active 56 DOM
-
2026-08-07days on market $395,000 Active 55 DOM
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2026-08-06days on market $395,000 Active 54 DOM
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2026-08-05days on market $395,000 Active 53 DOM
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2026-08-04days on market $395,000 Active 52 DOM
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2026-08-03days on market $395,000 Active 51 DOM
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2026-07-31days on market $395,000 Active 48 DOM
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2026-07-30days on market $395,000 Active 47 DOM
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2026-07-29days on market $395,000 Active 46 DOM
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2026-07-27days on market $395,000 Active 44 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast NY · Partial reset (capped growth)
- Current annual tax
- $5,403 · $450/mo
- Projected year-2 tax
- $5,617 · $468/mo
- Expected delta
- +$214/yr (+$18/mo · 4.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 5/10 Major 7 d/yr ≥100°F today · 15 d/yr by 30 yrs out
- Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $64,140
- − Mortgage interest
- −$19,325
- − Property taxes
- −$5,403
- − Insurance
- −$1,725
- − Repairs & maintenance
- −$5,131
- − Management
- −$5,131
- − Depreciation
- −$10,036
- Taxable income
- $17,388
- Est. tax owed @ 24.0%
- −$4,173
- After-tax cash flow
- $17,659/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 9 photos
The property requires significant updates to its kitchen, bathrooms, exterior, and landscaping to improve its condition and value.
Repairs flagged
- Major Kitchen cabinets — Older cabinets with visible wear and tear.
- Major Appliances — Dated and possibly non-functional appliances.
- Major Bathroom fixtures — Small, outdated fixtures in need of replacement.
- Major Exterior painting — Needs repainting to improve curb appeal.
- Major Landscaping — Overgrown lawn and lack of landscaping.
Value-add opportunities
- Resale New kitchen cabinets and appliances — Modernizing the kitchen will attract more buyers. ↑
- Resale New bathroom fixtures — Upgrading the bathrooms will improve the home's appeal. ↑
- Both Exterior painting — Improves curb appeal and can increase both resale and rental value. ↑
- Both Landscaping — Enhances curb appeal and can increase both resale and rental value. ↑
ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
Schools (NCES district)
- District
- Middletown City School District
- NCES district ID
- 3619320
- Math proficiency
- 41% ▼ -2.00%
- Reading proficiency
- 55% ▲ 19.00%
- Median HH income
- $54,612
- Composite
- 41.52/100
- National rank
- #3453
- State rank
- #411 of 590 in NY
Livability — Middletown
- Score
- 82/100
- State rank
- #79
- US rank
- #1219
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Middletown, NY
- County
- Orange County · 379,830 people
- City population
- 68,033
- Metro
- Poughkeepsie-Newburgh-Middletown, NY
- Population (ZIP)
- 53,611
- Household income
- $87,080
- Rent vs Own
- Severe rent burden
- 12% of renters
Population outlook (Orange County) Hauer SSP2
- Today (2025)
- 379,830 people
- By 2030
- 378,955 · -0.2%
- By 2040
- 375,444 · -1.2%
- By 2050
- 369,311 · -2.8%
- By 2075
- 354,233 · -6.7%
- By 2100
- 318,150 · -16.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Highly diverse neighborhood (Simpson 0.70)
- Race & ethnicity
- White 39% Hispanic / Latino 32% Black 20% Two or more races 13% Asian 4% Native American 3%
- Hispanic origin (detail)
- Mexican 9% Puerto Rican 13% Dominican 3%
- Common ancestry
- Romanian 3% Italian 1% Iranian 1%
- Foreign-born
- 18% · Canada, China, Jamaica
- Languages at home
- 72% English-only · Spanish 21% Other Indo-European 2% Chinese 1%
Political lean MEDSL · Orange
- 2024 margin
- Lean R (+8.4) · D 45.8% · R 54.2%
- 2008→2024 swing
- -12.5pp toward R · 2008: 4.1pp · 2024: -8.4pp
- All cycles
- 2024: R+8.4 2020: R+0.2 2016: R+6.5 2012: D+5.2 2008: D+4.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -71.68%
- Current HPI
- 311.5969
- Rent YoY
- ▲ 8.23%
- Metro
- Poughkeepsie-Newburgh-Middletown, NY
- State GDP YoY
- ▲ 2.60%
- F500 in state
- 92
Industry mix (Fortune 500 HQ in NY)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Financial Services | 10 | $950B |
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| Consumer Goods | 9 | $162B |
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| Insurance | 4 | $225B |
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| Telecommunications | 2 | $144B |
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| Pharmaceuticals | 2 | $112B |
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| Media / Entertainment | 2 | $69B |
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Price history
+97.6% since first listed19 events — show timeline
- 2026-07-02 Price Changed $395,000 OneKey® MLS as Distributed by MLS Grid
- 2026-06-13 Listed $450,000 OneKey® MLS as Distributed by MLS Grid
- 2015-02-26 Sold (Public Records) $120,000 Public Records
- 2015-01-30 Price Changed $120,000 HGMLS
- 2015-01-30 Sold (MLS) $120,000 HGMLS
- 2015-01-29 Sold (MLS) $120,000 OneKey® MLS as Distributed by MLS Grid
- 2014-11-21 Contingent — HGMLS
- 2014-11-21 Price Changed $139,900 HGMLS
- 2014-07-15 Price Changed $139,900 HGMLS
- 2014-07-14 Listed $149,500 HGMLS
- 2014-07-14 Listed $139,900 OneKey® MLS as Distributed by MLS Grid
- 2014-04-07 Listing Removed — OneKey® MLS as Distributed by MLS Grid
- 2014-04-04 Delisted — HGMLS
- 2014-03-31 Listed $159,000 OneKey® MLS as Distributed by MLS Grid
- 2014-03-31 Listed — HGMLS
- 2014-03-26 Delisted — HGMLS
- 2014-03-26 Listing Removed — OneKey® MLS as Distributed by MLS Grid
- 2013-09-26 Listed — HGMLS
- 2013-09-26 Listed $199,900 OneKey® MLS as Distributed by MLS Grid
Property tax history
+2.6%/yrLatest (2025): $5,403 · -0.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…