What are the schools like in Middlebury, IN?

Middlebury is served primarily by Middlebury Community Schools. The district operates 5 elementary schools, 1 middle schools, and 1 high schools with a student-to-teacher ratio of 16.9:1.

What is the median household income in Middlebury?

The median household income in Middlebury, IN is $78,056 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 5.8%.

What is the weather like in Middlebury, IN?

Middlebury has an average high temperature of 31.9°F in January and 83.2°F in July. Annual precipitation averages 39.9 inches and annual snowfall averages 45.2 inches.

Middlebury, IN Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Middlebury, IN affordable or expensive?

Middlebury's cost of living index is 97, where 100 represents the national average. This means Middlebury is 3% less expensive than the average US city. The median home value is $223,200 and the median rent is $1,037 per month.

Q: What is the crime rate in Middlebury, IN?

Middlebury has a violent crime rate of 331.5 incidents per 100,000 residents and a property crime rate of 1267.3 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Middlebury, IN a Good Place to Live?

Middlebury is a small town of 3,677 in Indiana, with a median household income of $78,056 and a 5.8% unemployment rate. Its cost of living index is 97 (US average = 100), which is 3% below the national average.

Strengths: Middlebury stands out for below-average home prices, solid school ratings (B-), short average commutes.

Trade-offs: Potential downsides include an elevated unemployment rate. Whether Middlebury is right for you depends on your priorities — the full breakdown is below.

All Middlebury city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 97.1

Middlebury's overall cost of living index is 97.1, where 100 represents the US national average. Living in Middlebury costs roughly 3% less than the average American city.

Metric	Middlebury, IN	National Avg
Median Home Value	$223,200	$244,900
Median Monthly Rent	$1,037	$1,163
Homeownership Rate	79.9%	65.9%
Median Household Income	$78,056	$74,755

Crime & Safety

Safer than Average

Middlebury's violent crime rate is 331.5 per 100,000 residents — 13% lower than the national average of ~380 per 100,000.

Violent Crime

331.5 /100k

Property Crime

1267.3 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Middlebury is served primarily by Middlebury Community Schools. The student-to-teacher ratio is 16.9:1 (slightly above the national average of ~16:1).

Metric	Middlebury, IN	National Avg
School District	Middlebury Community Schools	—
Elementary Schools	5	—
Middle Schools	1	—
High Schools	1	—
Student/Teacher Ratio	16.9:1	16:1
Bachelor's Degree or Higher	20.9%	35.4%
High School Diploma or Higher	89.6%	91.1%

Weather & Climate

Middlebury sees average highs of 31.9°F in January and 83.2°F in July, with 39.9 inches of annual precipitation and 45.2 inches of snow per year.

Metric	Middlebury, IN
Average High — January	31.9°F
Average High — July	83.2°F
Annual Precipitation	39.9"
Annual Snowfall	45.2"

Demographics

Metric	Middlebury, IN	National Avg
Population	3,677	—
Median Age	43.6	38.9
Unemployment Rate	5.8%	3.7%
Avg Commute Time	17.8 min	26 min
White (non-Hispanic)	93.5%	59.3%
Black or African American	2.9%	13.6%
Hispanic or Latino	0.7%	18.9%
Asian	2.3%	6.3%
Under 18	25.3%	22.2%
65 and over	15.0%	16.8%

Nearby Cities

Shipshewana Lake, IN 5 mi Vistula, IN 5 mi Shipshewana, IN 7 mi Bristol, IN 7 mi White Pigeon, MI 9 mi

ZIP Codes in Middlebury

Middlebury, IN is covered by 1 ZIP code:

46540

Middlebury vs Other Cities

Middlebury, IN vs Shipshewana Lake, IN Middlebury, IN vs Vistula, IN Middlebury, IN vs Shipshewana, IN Middlebury, IN vs Bristol, IN Middlebury, IN vs White Pigeon, MI

Frequently Asked Questions

Is Middlebury, IN affordable or expensive?

Middlebury's cost of living index is 97, where 100 is the national average. That makes Middlebury roughly 3% less expensive than a typical US city — a meaningful affordability advantage. The median home price is $223,200 and median rent is $1,037/month.

What is the crime rate in Middlebury, IN?

Middlebury's violent crime rate is 331.5 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1267.3 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Middlebury?

Public schools in Middlebury are operated by Middlebury Community Schools. The district has 5 elementary, 1 middle, and 1 high schools. The student-to-teacher ratio is 16.9:1. 20.9% of adults 25+ hold a bachelor's degree or higher.

Is Middlebury, IN a good place to live?

Middlebury, IN has a population of 3,677, a median household income of $78,056, and an unemployment rate of 5.8%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Middlebury?

Middlebury averages 31.9°F in January and 83.2°F in July. Annual rainfall is 39.9 inches with about 45.2 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Middlebury?

Middlebury, IN is covered by 1 ZIP code: 46540.

What is the population of Middlebury?

The population of Middlebury, Indiana is 3,677 with a median age of 43.6. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Middlebury?

Key numbers for living in Middlebury: cost of living index 97 (100 = US average), median home $223,200, median household income $78,056, crime index 76 (100 = US average, lower is safer), schools rated B-. Whether these are benefits or drawbacks depends on where you're coming from — compare Middlebury side by side with your current city to see the trade-offs.