In Apopka, a typical home is worth $394,900 and typical rent is $1,969 a month. Compared with all of Orange County, typical household income is 22% higher, typical rent is 11% higher, and the share of households that own their home is 21 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $330,243 to $394,805.
Typical rent
$2,064a month
▲ 0.7% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,762 to $2,064.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Apopka is in Orange County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Orange County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in South Apopka, the typical rent is $1,088: 45% less than in Apopka ($1,969).
2
78% of households in Apopka own their home, against 57% in Orange County.
3
Nearby, in Lockhart, the typical home value is $264,800: 33% less than in Apopka ($394,900).
4
The typical household income in Apopka is $96,884,22% more than in Orange County as a whole ($79,719).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Apopka
What homes there are in Apopka, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Apopka
Orange County
Florida
United States
Kind of home: Apopka and its comparisons
Measure
Apopka
Orange County
Florida
United States
Detached house
81%
54%
55%
61%
Attached house
4%
8%
7%
6%
Building of 2 to 4
3%
5%
6%
8%
Apartments (5 or more)
8%
30%
25%
19%
Mobile home
2%
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Apopka, 8 in 10 homes are single-family detached houses; in Orange County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or later
Apopka
Orange County
Florida
United States
Year built: Apopka and its comparisons
Measure
Apopka
Orange County
Florida
United States
Before 1960
4%
9%
10%
26%
1960–1979
7%
17%
24%
24%
1980–1999
35%
34%
34%
25%
2000–2009
28%
21%
18%
14%
2010 or later
26%
19%
14%
11%
Here half of the homes date from 2002 or later; in Orange County, from 1994 or later.
There is more room for a big family here: 84% of homes have 3 bedrooms or more, against 61% in Orange County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K4%
$100K–$200K4%
$200K–$300K15%
$300K–$500K53%
$500K–$750K22%
FHA limit: $541,287
$750K–$1M2%
$1M or moreUnreliable
Value of owner-occupied homes: Apopka and its comparisons
Measure
Apopka
Under $100K
4%
$100K–$200K
4%
$200K–$300K
15%
$300K–$500K
53%
$500K–$750K
22%
$750K–$1M
2%
$1M or more
Unreliable estimate
The FHA loan limit for Orange County is $541,287, and about 79% of owner-occupied homes in Apopka are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49912%
$1,500–$1,99930%
$2,000–$2,49926%
$2,500–$2,99912%
$3,000 or more10%
Monthly rent with utilities: Apopka and its comparisons
Measure
Apopka
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
12%
$1,500–$1,999
30%
$2,000–$2,499
26%
$2,500–$2,999
12%
$3,000 or more
10%
With a mortgage
$2,046 a month
Orange County: $2,055 a month
Without a mortgage
$660 a month
Orange County: $695 a month
Owners with a mortgage
79%
Orange County: 67%
In Apopka, 79% of owners have a mortgage; their typical cost is $2,046 a month, about the same as in Orange County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Apopka+73%
Orange County+65%
Florida+67%
United States+53%
Typical rent
Apopka+52%
Orange County+46%
Florida+42%
United States+33%
Typical household income
Apopka+47%
Orange County+37%
Florida+34%
United States+29%
Change since 2015–2019: Apopka and its comparisons
Measure
Apopka
Orange County
Florida
United States
Typical home value
+73%
+65%
+67%
+53%
Typical rent
+52%
+46%
+42%
+33%
Typical household income
+47%
+37%
+34%
+29%
Since 2015–2019, homes in Apopka gained value faster than in Orange County: 73% against 65%.
Since 2015–2019, the typical rent in Apopka rose 52%, more than in Orange County (46%).
Here income did not keep up with housing: it rose 47%, while home values changed +73% and rent +52%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Apopka and its comparisons
Measure
Apopka
Orange County
Florida
United States
Rental vacancy
Unreliable estimate
9.3%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
2.4%
1.4%
0.9%
More than one person per room
Unreliable estimate
3.7%
3.3%
3.4%
People per household
3.00
2.72
2.51
2.53
Drive alone
69%
68%
70%
69%
Carpool
8%
9%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
20%
18%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Apopka are bigger: 3.00 people on average; in Orange County, 2.72.
In Apopka, 69% of workers drive alone to work; in Orange County, 68%.
Do the math
What would you pay each month for a home in Apopka?
A typical home costs more than the typical income allows
We start with a typical home in Apopka, worth $394,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Apopka, which is $96,884 a year. For that payment to be 28% of income, a household would need to earn about $136,843 a year.
The calculator's FHA and conventional loan limits are those of all of Orange County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Apopka. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $13,822 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,193
at 7.18% · 30 years
Loan amount
$387,747
Total interest
$557,877
Paid off in
November 2056
Includes $6,669 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,261 a month
Tight
$2,261 to $2,907 a month
Hard
more than $2,907 a month
Your payment · 40%
Compared with the typical household income in Apopka ($96,884 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,627
Property tax
$227
Home insurance
$165
FHA mortgage insurance (MIP)
$175
You need at least $13,822 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,193; principal and interest $2,627.
The city and its county
Apopka and Orange County
Apopka is in Orange County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Apopka
Map of Orange County, Florida, with Apopka marked. Around it, the neighboring counties.
Apopka
Orange County
Other cities with a page
Apopka's own numbers
Typical home value
$394,900
Typical monthly rent
$1,969
Typical yearly household income
$96,884
Households that own their home
78%
Effective property tax rate
0.69%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Orange County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,959
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.3%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Orange County.
A typical home in Apopka is worth $394,900: about the same as the county and 10% above Florida. With the typical household income in Apopka ($96,884 a year), a typical home costs 4.1 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Apopka4.1 years
Orange4.9 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Orange County
According to FHFA’s house price index, home prices in Orange County rose 122% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Orange County.
Yearly change in FHFA’s price index in Orange County, 2016 to 2025
2016: +8.9% +8.9% 2016
2017: +9.0% +9.0% 2017
2018: +9.0% +9.0% 2018
2019: +5.7% +5.7% 2019
2020: +4.1% +4.1% 2020
2021: +12.7% +12.7% 2021
2022: +20.1% +20.1% 2022
2023: +8.5% +8.5% 2023
2024: +5.6% +5.6% 2024
2025: +0.8% +0.8% 2025
Change in FHFA’s price index in Orange County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
+0.8%
−0.5%
+2.9%
5 years (2020–2025)
+56%
+60%
+47%
10 years (2015–2025)
+122%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Apopka next to Orange County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Apopka$394,900
Orange$390,100
Florida$359,000
United States$332,700
Typical monthly rent
Apopka$1,969
Orange$1,775
Florida$1,669
United States$1,413
Typical yearly household income
Apopka$96,884
Orange$79,719
Florida$74,568
United States$80,734
See the full table
Apopka next to Orange County and Florida
Measure
Apopka
Orange County
Florida
U.S.
Typical home value
$394,900
$390,100
$359,000
$332,700
Typical monthly rent
$1,969 ▲11% above the county
$1,775
$1,669
$1,413
Typical yearly household income
$96,884 ▲22% above the county
$79,719
$74,568
$80,734
Households that own their home
78% ▲21 points above the county
57%
68%
65%
Typical yearly property tax
$2,707 ▼9% below the county
$2,967
$2,730
$3,119
Effective property tax rate
0.69% ▼0.07 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
68% ▲9 points above the county
59%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orange County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Apopka
For a typical $394,900 home in Apopka, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Apopka's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,193a month
Least cash to close
Down payment
$13,822
Cash to close
$25,669
Rate
7.18%
Mortgage insurance
FHA MIP · $175
Conventional, 5% down$3,121a month
Down payment
$19,745
Cash to close
$31,592
Rate
7.18%
Mortgage insurance
PMI · $188
Conventional, 20% down, no PMI$2,532a month
Down payment
$78,980
Cash to close
$90,827
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,897a month
Down payment
$59,235
Cash to close
$71,082
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Apopka
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,193
$13,822
$387,747
7.18%
FHA MIP · $175
$25,669
580
Conventional, 5% down
$3,121
$19,745
$375,155
7.18%
PMI · $188
$31,592
620*
Conventional, 20% down, no PMI
$2,532
$78,980
$315,920
7.18%
None
$90,827
620*
ITIN, 15% down (example)
$2,897
$59,235
$335,665
8.18%
None
$71,082
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Apopka is $1,969 a month: 11% above the county. In Apopka, 68% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Orange County, by unit size. To pay the 2-bedroom one ($1,959 a month) without spending more than 30% of your income, you would need to earn $37.67 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orange County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,658
$31.88
$66,320
1 bedroom
$1,726
$33.19
$69,040
2 bedrooms
$1,959
$37.67
$78,360
3 bedrooms
$2,445
$47.02
$97,800
4 bedrooms
$2,856
$54.92
$114,240
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Apopka
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Apopka has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,860 in 32703 to $2,320 in 32712.
2 of the 3 are above the fair market rent for Orange County ($1,959).
2-bedroom fair market rent in each of the 3 ZIP codes of Apopka, beside the one for Orange County. For 2 bedrooms it runs from $1,860 in 32703 to $2,320 in 32712. 2 of the 3 are above the fair market rent for Orange County ($1,959).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,959
Lowest: $1,860 (32703)Highest: $2,320 (32712)
Fair market rent by ZIP code and size in Apopka, fiscal year 2027.
32703
$1,570
$1,640
$1,860
$2,320
$2,710
32712
$1,960
$2,040
$2,320
$2,900
$3,380
32768
$1,680
$1,750
$1,990
$2,480
$2,900
ZIP code2 bd3 bd
32703 $1,860$2,320
32712 $2,320$2,900
32768 $1,990$2,480
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Apopka when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 10 HUD-approved agencies with an office in Orange County; 7 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Apopka or Orange County. The ones below are statewide in Florida: they work in Apopka the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Apopka or Orange County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Apopka and all of Orange County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Apopka?
The typical home value in Apopka is $394,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $390,100.
How much does it cost to rent in Apopka?
Typical rent in Apopka is $1,969 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $1,959.
What is the FHA loan limit in Apopka?
Apopka uses the FHA limit for all of Orange County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Apopka?
The typical homeowner in Apopka pays $2,707 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Orange County, the rate is 0.76%.
Where can I find free help to buy or rent in Apopka?
There are 10 HUD-approved counseling agencies with an office in Orange County. 7 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
