Affordable

What Salary Do You Need to Live in Middletown?

To afford a 2-bedroom in Middletown, you need to earn at least $40,760/year based on estimated fair market rent data. The median household income here is $56,090, which means the typical resident is $15,330 above the threshold.

Census ACS Data Pop. 2,201

Salary Required by Bedroom Size

Bedroom	Monthly Rent	Monthly Income	Annual Salary	vs. Median
Studio	$713	$2,377	$28,520	$-27,570
1 Bedroom	$846	$2,820	$33,840	$-22,250
2 Bedroom BENCHMARK	$1,019	$3,397	$40,760	$-15,330
3 Bedroom	$1,243	$4,143	$49,720	$-6,370
4 Bedroom	$1,529	$5,097	$61,160	+$5,070

Affordability Breakdown

Where the required salary line crosses above Middletown's median income — housing becomes unaffordable for the typical resident.

Required Salary Median Income

Income vs. Rent Snapshot

Median Income

$56,090

Annual household

2BR Required Salary

$40,760

Under 30% rule

Income Gap

+$15,330

Surplus

Verdict

Affordable

Ratio: 21.8%

The 30% Rule Calculator

Enter your annual salary to see what you can afford in Middletown

Your Annual Salary

Pre-filled with Middletown's median household income

Max monthly rent you can afford$1,402

Studio

$713/mo

1 BR

$846/mo

2 BR

$1,019/mo

3 BR

$1,243/mo

4 BR

$1,529/mo

Your salary is $0 above the median income in Middletown.

Salary Comparison by Bedroom

Bars left of the marker line are affordable for Middletown's median earner. Bars to the right require above-median income.

Affordable Above Median Median Income

What This Means If You're Moving to Middletown

Living in Middletown is well within reach for most median-income earners. With a $15,330 cushion between what residents earn and what a 2-bedroom requires, households in Middletown typically have meaningful financial flexibility after housing costs.

For remote workers or relocators evaluating Middletown, a studio at $713/month offers an even more aggressive savings rate. Even a 3-bedroom at $1,243/month remains accessible for dual-income households earning above $49,720.

To live comfortably with room for non-housing expenses, a break-even salary of approximately $61,140 would position you well — though many residents in Middletown manage on less given the favorable rent-to-income dynamics.

Economic Outlook

Local Job Market & Housing Dynamics

Affording rent isn't just about housing prices—it's heavily dependent on local employment opportunities and the strength of the job market in Middletown, Indiana.

With a total population of 2,201, the city supports an active civilian workforce of 957 people. A strong employment base often indicates a stable economy, which is crucial when committing to a lease requiring a $40,760 annual salary. The ratio of employed residents to the total population provides insight into the local economic health and competition for both jobs and housing.

Employed Workforce

957

Active civilian employees in Middletown

Frequently Asked Questions About Renting in Middletown

What salary do I need to live in Middletown, Indiana?

To afford a 2-bedroom in Middletown under the 30% rule, you need an annual salary of at least $40,760. The median household income in Middletown is $56,090.

Can I afford a 2-bedroom in Middletown on $56,090?

The affordability verdict for Middletown is "Affordable". The rent-to-income ratio is 21.8%, meaning median earners have a $15,330 surplus.

What is the average rent in Middletown compared to median income?

The median gross rent in Middletown is $846/month. With a median household income of $56,090, residents spend approximately 21.8% of their income on rent.

What salary do I need for a studio in Middletown?

A studio in Middletown rents for approximately $713/month. Under the 30% rule, you need an annual salary of $28,520 to afford this.

Is Middletown considered an affordable place to live?

Based on the surplus of $15,330 and an affordability verdict of "Affordable", Middletown is considered a affordable rental market when comparing the required 2-bedroom salary of $40,760 to the local median household income.

How Middletown Compares

Other cities in Indiana with salary requirements