Have you ever gone house hunting and felt like everything was either way out of your budget or way too small? It’s like you’re stuck choosing between an expensive standalone house or a tiny rental in a high-rise building. What happened to the middle ground? That’s where ‘Missing Middle’ housing comes in.
It’s that sweet spot between traditional homes and big apartment complexes. We’re talking about duplexes, fourplexes, townhomes, and cottage courts—places that offer affordability without sacrificing comfort. They’re perfect for first-time buyers, downsizers, and investors who want a smarter way to enter the market.
Housing prices have been climbing, and the dream of homeownership can feel out of reach. But Missing Middle housing is coming back in a big way. Let’s look into why this trend is gaining traction and how it might be your ticket to an affordable home.
What Is Missing Middle Housing?
The term ‘Missing Middle’ was coined by urban planner Daniel Parolek to describe housing types that were once common but have faded due to zoning restrictions. These include:
- Duplexes & Triplexes – Two or three units in a single structure, each with its own entrance.
- Fourplexes – Four connected units, ideal for small investors or homebuyers who want rental income.
- Townhomes – Individual homes that share walls but have separate entrances.
- Cottage Courts – Small homes arranged around a shared garden or courtyard.
- Courtyard Apartments – Low-rise buildings with communal green spaces.
These types of homes aren’t just affordable—they also encourage community living and walkability.

Why Is Missing Middle Housing Becoming Popular Again?
1. Affordability Crisis
Let’s be honest—finding a house under $100,000 is a challenge. However, missing middle housing makes it possible by maximizing land use and reducing per-unit costs.
2. Walkable Neighborhoods Are in Demand
People today want to live near cafes, grocery stores, and parks. Nobody likes spending half their life in traffic. Missing Middle housing helps create neighborhoods where you can walk to the places you need instead of relying on a car for everything.
3. Perfect for First-Time Buyers & Downsizers
Buying your first home can feel impossible in today’s market. Smaller, multi-unit homes offer lower mortgage payments and even rental income if you choose a duplex or triplex.
4. Smart Investment Opportunity
A fourplex or triplex can generate passive income while remaining easy to manage. Plus, these properties tend to blend seamlessly into existing neighborhoods.

Missing Middle Housing vs. Traditional Housing
Feature | Missing Middle Housing | Traditional Housing |
---|---|---|
Affordability | More cost-effective per unit | Higher price per home |
Land Use Efficiency | Maximizes available space | Requires more land |
Walkability | Found in urban areas | Mostly suburban |
Investment Potential | Great for rental income | Limited earning potential |
Community Feel | Encourages neighbor interaction | More privacy, less interaction |
Where Can You Find Missing Middle Housing?
So, where do you find these hidden gems? More cities are updating their zoning laws, making it easier to buy Missing Middle homes. Here’s where to look:
- Older neighborhoods in cities with historic duplexes and fourplexes.
- Up-and-coming areas where local governments are promoting housing diversity.
- College towns, where small multi-unit homes are in demand for student rentals.
- Smaller cities and rural areas where land is cheaper and zoning is flexible.
Want tips on spotting affordable properties? Check out this guide: How to Spot the Best Under-100k Property for a Quick Flip or Forever Home.
How to Buy a Missing Middle Home
Buying a duplex or townhome isn’t much different from purchasing a single-family home, but there are a few extra things to keep in mind:
- Check Local Zoning Laws – Some areas still restrict multi-unit housing.
- Explore Financing Options – FHA and VA loans may allow multi-unit purchases with low down payments.
- Consider Rental Income – Living in one unit while renting out the others can help cover your mortgage.
- Get a Thorough Inspection – Many of these homes are older, so be sure to check for needed repairs.
- Think Long-Term – Is the area growing? Will your investment appreciate over time?

Is Missing Middle Housing Right for You?
If you’re looking for an affordable, flexible, and smart way to own property, Missing Middle housing is worth considering. Whether you’re buying your first home, investing in rental properties, or looking for a vibrant, walkable neighborhood, these homes offer a lot of value.
With cities easing zoning laws, these housing types could be the answer to the affordability crisis. So, if you’re still on the hunt for a house under $100,000, don’t overlook this growing trend—it might just be your best option!