Middleburg, FL Utility & Living Guide

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Tier 3 Location

Middleburg, FL Utility & Living Guide

Middleburg offers a peaceful suburban lifestyle with easy access to Jacksonville's amenities.

Last updated: June 26, 2026
Total Utilities$255/mo
1BR Rent$1200/mo
Sales Tax7.5%
COL Index105 (+5% above national average)
Family Score6/10
Median Home$320,000
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⚠️ Natural Hazard History — Middleburg
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💰 Budget Calculator
🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨‍👩‍👧 Families
🧮 Tools

Monthly Utility Costs

⚡ Electric

$120/mo

Clay Electric Cooperative
🔥 Gas

N/A - Electric only
💧 Water

$45/mo

Clay County Utility Authority
🗑️ Garbage

$25/mo

Republic Services
📶 Internet

$65/mo

Combined Average Overhead $255/month

Housing Market

Rent & Property
1 Bedroom$1200/mo
2 Bedrooms$1600/mo
3 Bedrooms$2100/mo
Median Home Price$320,000
Property Tax Rate1.2%
Avg Childcare/mo$1000

Middleburg’s housing market is growing steadily, with demand driven by affordability compared to nearby Jacksonville. New developments are expanding housing options.

Cost of Living

Overall COL Index

105

US national avg = 100
vs National Avg

+5% above national average

Groceries

102

Transportation

98

Healthcare

100

Childcare/mo

$1000

Tax Rates

Tax Overview
Total Sales Tax7.5%
Property Tax Rate1.2%
<p>State 6% + County 1% + City 0.5%</p>

Florida has no state income tax.

Family & Relocation

Family Vibe Score
6/10
Safety Index

50

Higher = safer
School Rating

6.5/10

GreatSchools avg
Avg Childcare

$1000/mo

City Pulse

Population Trend
+8% (growing)
Political Climate
Red
Business Momentum
Moderate with key industries in healthcare, retail, and construction
Top Local Concerns
Traffic congestion, school overcrowding, infrastructure
🚌 Transit for Families

Limited public transit; car-dependent but sidewalks are improving in newer subdivisions.

🎡 Top Kid Attractions
  • 🎯
    Middleburg Clay County Park
  • 🎯
    Camp Chowenwaw Park
  • 🎯
    Middleburg Branch Library

Best Neighborhoods for Families

Oakleaf Plantation and Fleming Island are popular for families due to good schools and amenities. Older Middleburg neighborhoods offer more affordable options.

Household Budget Calculator

Estimate your real monthly cost of living in Middleburg based on your household profile.

Local Briefing & Neighborhood Pulse

Live Local News

Residents must adhere to Clay County zoning laws and Middleburg’s noise ordinances.

Middleburg is experiencing growth in remote work opportunities, with many residents commuting to Jacksonville. Local small businesses are thriving due to population growth.

Financial Tools

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📊 Middleburg — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

💰 Median Household Income
$63,198
👤 Median Age
43.3
🏠 Homeownership Rate
84.9%
🔑 Renter Rate
15.1%
📉 Poverty Rate
7.2%
💼 Unemployment Rate
4.3%
📡 Internet Access
92.9%
🎓 College Educated
16.6%

☀️ Seasonal Utility Costs

Summer AC costs can double electric bills from June-August. Winter heating costs are minimal due to mild Florida winters.

🏛️ Local Tax Details

ZIP 32068: Millage rate 14.5 mills. No local surtaxes specific to Middleburg.

👶 Family & Stroller Friendliness

6/10: Decent sidewalk coverage in newer areas but limited elevator access. Good park access improves score.

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