Real Estate and Mortgage Guide for Middleton, WI

Within Dane County, and located southwest of Madison is the town of Middleton.  Ironically, the area was named after Middletown, CT however a clerical error resulted in the letter ‘w’ being removed from the word.

Population and Number of Homes

According to the records from the annual 2010 census, 17,442 people call Middleton home.  At that same time, there were 8,565 homes in the area.  Due to the size of the town, there are approximately 1,940 people for every square mile.

Based on the breakdown of ages, Middleton is home to a lot of families.  Over 20% of the residents fall under the age of 18 while only 7% of the people are of the college ages of 18-24.  30% of the residents fall in the 25 to 44 bracket and another 30% fall in the 45 to 64 group.

The area has grown by 20% beginning with the year 1990.  This growth is attributed to a proposal of connecting railroads between the University of Wisconsin-Madison, the east side of Madison, the downtown of Madison, and the Greenway Station in Middleton.

Local Economy

Middleton is home to a few nationally known brands.  American Girl, the popular line of dolls that are offered in various ethnicities is based on Middleton.

Electronic Theatre Controls, the maker of professional grade light systems, also has headquarters in Middleton.  These lights are used in theaters and studios all across the world.

Along with the industry in Middleton, there is also Middleton Hills.  This neighborhood was the first Parade of Homes are created in the state of Wisconsin.  The area was designed as a place where inhabitants can walk to work and to local shopping areas in order to provide a closer bond among neighbors.

Average Weather

Throughout the year Middleton will receive precipitation in the form of snow and rain.  About 33 inches of rain falls on the area each year and a similar 32 inches of snow will descend in the winter months.

On average there will be 187 days of sunshine throughout the calendar year.

The hottest time of the summer falls in July when temperatures can get to the low 80s.  In the winter months, it is possible to see single-digit temps.  The coldest weather occurs in January.

Universities, Colleges and Junior Colleges

Within Middleton is the Globe University, Madison West campus.  The university offers a variety of classes and degrees ranging from associate’s degrees up to doctoral degrees.

In nearby Madison, there are the University of Wisconsin-Madison campus and Madison Area Technical College.

Public School System

Middleton has its own public education zone known as the Middleton-Cross Plains School District.  6 elementary schools along with 2 middle schools make up the bulk of the schools.  When students finish middle school they attend Middleton High School.  There is also the alternative school known as Clark Street Community School.

Private Schools

There are a total of 13 private schools located in Middleton.  Many of the schools are faith-based organizations.  The majority of the private schools are either pre-school or elementary schools.  None of the private schools offer classes above the 8th grade.

Important Stats for Level of Education

For the citizens above the age of 25, here are the primary education stats

  • 7% graduated from high school
  • 9% graduated from a college or university with a bachelor’s degree
  • 2% have completed a professional or graduate degree

Transportation Options

There is no formal public bus system in Middleton.  The nearest train station is an Amtrak location in Madison.

Popular Restaurants and Other Hot Spots

Middleton has a wide range of food offerings that provides a rich experience for citizens and visitors

  • Sofra Family Bistro – offers Albanian dishes
  • Dhaba Indian Bistro – as the name implies, this is the local spot for authentic Indian food
  • Lousianne’s Etc – offering the best in Cajun food as well as Creole
  • Vin Santo – Top notch restaurant with great Italian food
  • Abuelo’s – favorite spot for Mexican food

Along with good food there are several attractions and activities to engage all members of the family

  • The National Mustard Museum – With flavors of mustard from every state in the union along with varieties from over 60 different countries this is the center of the Mustard world.
  • Middleton Historical Museum – Learn about the settling and development of Middleton, WI
  • Capital Brewery – home of the 2013 US Open Beer Grand National Champion


Only nursing homes are located in Middleton. Most of the citizens travel a short 8 miles to the area of Madison for their major medical needs since the area has more hospitals and acute care facilities.

Outdoor Activities

Middleton is a very active area with lots of ways to get moving and have fun

  • Keva Sports Center – offers a wide range of indoor sports for adults and children
  • Capitol Ice Arena – ice skating that can also offers booking to private groups
  • Middleton Bike Park – great for mountain bike enthusiasts
  • Mendota County Park and Campground – camping site along with boat launch
  • Governor Nelson State Park – Has areas for hiking, swimming, boat launch, cross country ski trails and even an area for pets to swim

Why Choose us as Your Middleton Mortgage Lender?

We are a Mortgage Lender specializing in mortgage loans since we first opened our doors. With licensed offices in 47 states, we have the staff and the experience to meet any home loan needs.

We were named to Mortgage Executive Magazine's list of Top 100 Mortgage Companies in America. In 2018 we were awarded as a Top Mortgage Lender in Top Dollar Volume by Scotsman Guide. We were also named a Top Workplace by the Houston Chronicle for the 5th year. Finally, we were named to Inc. 5000 list of Fastest-Growing Private Companies in America.

Besides these accolades, we are proud that President Ron Zach was named to National Mortgage Professional Magazine’s list of the 40 most influential mortgage professionals under 40.

How to Buy a Home in Middleton with Little or No Money Down

Of course you want to buy a home in Middleton with no down payment. Who doesn’t?

Here’s how you do it:

Many people never buy the home of their dreams simply because they don't think they have enough money for the down payment. They have been told through the years that they need 10% or 20% of the purchase price in order to buy a home. Well, this is true for the conventional/conforming loan programs but not for Middleton Government loans.

So why have so many Lenders told them this?

It’s because selling homes to people with 10% or 20% down is easier than selling homes to people who have little or no money for a down payment. Most mortgage loan officers would rather go after the "easy sale" than try to help people who would rather save the down payment money for a rainy day or for current and future repairs/upgrades.

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