Middleburg is an unincorporated community in Clay County, FL. It has no city government: the county runs it, and the Census counts it as its own place.

What it's like to live in Middleburg

Middleburg is an unincorporated community in Florida with rent below the national average, home prices that remain within reach, and schools with smaller class sizes than the national average. Those factors carry real weight for anyone weighing where to move next.

The tradeoffs are worth naming plainly. Middleburg deals with long average commutes, college degree attainment below the national average, hot summers, and a car-dependent commute, with few people using transit.

The good

  • Rent below the national average
  • Affordable home prices
  • Low student-teacher ratio

The not so good

  • Long commutes
  • Low college degree attainment
  • Hot summers
  • Car-dependent — few commuters use transit

How Middleburg compares

Median household income

Middleburg$74,634
Florida avg$74,568
US$80,734

Median rent (per month)

Middleburg$1,093
Florida avg$1,669
US$1,413

Median home value

Middleburg$254,600
Florida avg$359,000
US$332,700

What it takes to move to Middleburg

Based on Middleburg's median rent, home value and household income

To rent

$2,186

up front: first month plus a typical one-month deposit

  • Income to keep rent under 30%: $43,720 a year
  • 33% of Middleburg renters spend 30% or more of their income on rent

To buy

$50,920

a 20% down payment on the median home

  • With 10% down: $25,460
  • Homes cost 3.4× the typical local household income (US: 4.1×)

Moving costs, closing costs and taxes not included.

The details

Cost of living▼ 23% below US

$1,093/mo median rent

Cost of living works in this city's favor. Median rent sits around $1,093 a month, nothing that raises eyebrows. Solid value overall. Home prices are reasonable, with a median around $254,600. Not a steal, but not intimidating either.

Median home value $254,600 · 33% of renters cost-burdened

Job market

4.1% county unemployment

Unemployment in Clay County is 4.1%, close to the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.

Clay County (county-wide)

Safety

242 violent crimes per 100k, whole jurisdiction

Middleburg doesn't have its own police department, so there's no crime rate for it alone. The figures shown are for the Clay County Sheriff's Office jurisdiction as a whole, which runs below the national average for violent crime and covers many communities. Individual neighborhoods can differ a lot from that overall rate.

Property crime 675/100k · Policed by Clay County Sheriff's Office (county-wide rate) · 2025 data

Getting around▲ 35% above US

35 min average commute

Traffic is a real factor here. The 35.1 minute average means plenty of commuters are pushing 45 to 60 minutes on a bad day. Proximity to work matters more here than it might elsewhere. 9 in 10 workers drive to work; 12% work from home.

How workers get to work

Drive alone
77%
Work from home
12%
Carpool
8.6%
Other
1.8%
Walk
1.1%

Climate

Summers are hot and humid, with highs regularly hitting 91°F, and winters are mild, with lows rarely dropping below 49°F. Rainfall is regular throughout the year.

Average month

High °FLow °FPrecip (in)
30°50°70°90°7.5"Jan: 2.93" precipitationFeb: 2.26" precipitationMar: 3.14" precipitationApr: 2.40" precipitationMay: 3.16" precipitationJun: 7.32" precipitationJul: 6.00" precipitationAug: 6.28" precipitationSep: 6.08" precipitationOct: 3.55" precipitationNov: 2.03" precipitationDec: 2.45" precipitation47°JJan: high 66°F, low 47°FFFeb: high 69°F, low 50°FMMar: high 74°F, low 55°FAApr: high 81°F, low 61°FMMay: high 86°F, low 69°FJJun: high 90°F, low 74°F92°JJul: high 92°F, low 76°FAAug: high 91°F, low 76°FSSep: high 88°F, low 74°FOOct: high 82°F, low 66°FNNov: high 73°F, low 56°FDDec: high 68°F, low 50°F

30-year averages, 1991–2020

Healthcare

1 hospital

There's one Medicare-certified hospital inside city limits, rated 3.0 out of 5 by Medicare. Hospitals in neighboring towns aren't counted here.

Medicare-certified hospitals

Education & workforce▼ 48% below US

19% bachelor's degree or higher

This is a working-class city, and college degree rates reflect that. Trades, manufacturing, and service industries tend to dominate the local economy, which is a strength for some fields and a real constraint for others.

Schools

1 public school inside the boundary

There is 1 public school inside the boundary and 1 private school. The student-to-teacher ratio is 14:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.

Parks & recreation

The nearest national park or historic site is Castillo de San Marcos National Monument (35 miles away). There are 5 national parks and sites within a day's drive.

Bottom line

Middleburg's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are long average commutes and college degree attainment below the national average. A year of median rent ($1,093/mo) equals 18% of the median household income here, less than the 21% typical nationwide. It tends to suit people watching their budget. It may be a harder fit for people who dread long commutes.

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