HomeIndianaElkhart CountyMiddlebury
Middlebury, Indiana: commercial real estate data.
Middlebury is a Census town of 3,700 people across 4.58 square miles of land, in Elkhart County. Median household income is $75,236, 73.4 percent of occupied homes are owned, and the SBA record carries 15 7(a) approvals to borrowers here worth $4.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Middlebury
What Middlebury is
- Census place typetown
- Land area4.58 sq mi
- Water area0.02 sq mi
- Population per square mile of land807
- County holding the largest share of its areaElkhart County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Middlebury
How many people live in Middlebury
- Population3,700
- Median age35.9
- Population under 181,135 plus or minus 271
- Share under 1830.7 percent plus or minus 7.3
- Population 65 and over507 plus or minus 165
- Share 65 and over13.7 percent plus or minus 4.5
- Households1,283
- Family households1,017
- Share of households that are families79.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Middlebury
Income and work in Middlebury
- Median household income$75,236 plus or minus $15,467
- Per capita income$34,179 plus or minus $10,075
- Civilian labor force1,781
- Employed1,709
- Unemployed72 plus or minus 55
- Unemployment rate4.0 percent plus or minus 3.0
- Adults 25 and over2,267
- Adults 25 and over with a high school diploma or higher89.6 percent
- Adults 25 and over with a bachelor degree or higher24.2 percent plus or minus 7.9
- Adults 25 and over with a graduate degree13.8 percent plus or minus 6.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Middlebury
Housing in Middlebury
- Housing units1,441
- Occupied units1,283
- Vacant units158 plus or minus 121
- Vacancy rate11.0 percent plus or minus 8.3
- Owner occupied942
- Renter occupied341 plus or minus 109
- Ownership rate73.4 percent
- Median owner-occupied home value$243,700
- Median gross rent, monthly$1,203
- Annual rent as a share of median income19.2 percent plus or minus 4.7
- Single family units1,174
- Share single family81.5 percent
- Units in buildings of two or more137 plus or minus 108
- Share in buildings of two or more9.5 percent plus or minus 7.4
- Mobile homes130 plus or minus 85
- Median year structure built1986
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Middlebury
How Middlebury gets to work
- Workers 16 and over who commute1,506 plus or minus 318
- Commuting under 15 minutes786 plus or minus 354
- Share commuting under 15 minutes52.2 percent plus or minus 20.7
- Commuting 30 minutes or more204 plus or minus 91
- Share commuting 30 minutes or more13.5 percent plus or minus 5.3
- Drove alone81.3 percent
- Carpooled9.5 percent plus or minus 5.7
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home8.2 percent plus or minus 5.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Middlebury
SBA loans in Middlebury (7(a))
- Approvals15
- Gross approval$4,285,700
- Average approval$285,713
- Median approval$160,800
- Largest approval$1,161,600
- Jobs supported300
- Jobs per approval20.0
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more6.7 percent
- Share to franchises20.0 percent
- Distinct lenders7
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Middlebury, in any county, FY2020 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Middlebury
SBA loans in Middlebury (504)
- Approvals7
- Gross approval$3,766,000
- Average approval$538,000
- Median approval$450,000
- Largest approval$1,083,000
- Jobs supported43
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Middlebury, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Middlebury
Flood risk in Middlebury
- NFIP communityTown of Middlebury
- NFIP community number180460
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/02/11
The Town of Middlebury participates in the National Flood Insurance Program as community 180460 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Elkhart County, not Middlebury
Elkhart County context, not Middlebury figures
- Establishments in Elkhart County5,211
- Covered employment, Elkhart County127,100
- Average annual pay, Elkhart County$62,117
- Housing units permitted, Elkhart County484
Every figure in this section is published for Elkhart County as a whole and is not a measurement of Middlebury.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Middlebury questions, answered from the record.
How many people live in Middlebury, Indiana?
3,700, in 1,283 households. Middlebury town covers 4.58 square miles of land, which is 807 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Middlebury in?
Elkhart County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Middlebury?
$75,236. The median owner-occupied home is valued at $243,700. Median gross rent is $1,203 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Middlebury businesses?
15 7(a) approvals totaling $4.3 m since FY2020, across 7 lenders, median approval $160,800, plus 7 504 approvals worth $3.8 m since FY2010. These count approvals to borrowers whose address is in Middlebury, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Middlebury borrowers get paid back?
No rate is published for Middlebury. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Middlebury in the National Flood Insurance Program?
Yes. Middlebury appears in the FEMA Community Status Book as Middlebury, town of, community 180460, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Middlebury figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Elkhart County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Middlebury.
Is zoning published for Middlebury?
No. Nothing on this page presents parcel level zoning.
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