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City · 7,707 residents · DeSoto County, Florida

Arcadia , Florida

In Arcadia, a typical home is worth $177,700 and typical rent is $956 a month. Compared with all of DeSoto County, typical household income is 27% lower and the share of households that own their home is 23 points lower.

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  • Typical home value

    $177,700

    2% above the county

    51% below Florida

    • Arcadia
    • DeSoto
    • Florida

  • Typical rent

    $956a month

    3% above the county

    43% below Florida

    • Arcadia
    • DeSoto
    • Florida

  • Typical household income

    $39,677a year

    27% below the county

    47% below Florida

    • Arcadia
    • DeSoto
    • Florida

  • Households that own their home

    49%

    23 points below the county

    18 points below Florida

    • Arcadia
    • DeSoto
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$243,467
about the same as 12 months ago
Typical rent
$1,549 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Arcadia is in DeSoto 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 DeSoto County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Arcadia apart

What this place has that others do not, from public data, most unusual first.

  1. Arcadia has the 8th lowest typical household income of the 480 cities in Florida with more than 5,000 people ($39,677).

  2. 49% of households in Arcadia own their home, against 73% in DeSoto County.

  3. Arcadia has the 17th lowest typical rent of the 471 cities in Florida with more than 5,000 people ($956).

  4. Arcadia has the 32nd lowest typical home value of the 480 cities in Florida with more than 5,000 people ($177,700).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Arcadia

What homes there are in Arcadia, 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 houses, standing on their own, make up 63% of homes here, against 49% in DeSoto County.

Year built

Homes in Arcadia are older: the typical year built is 1973; in DeSoto County, 1990.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,181 a month

DeSoto County: $1,409 a month

Without a mortgage

$413 a month

DeSoto County: $440 a month

Owners with a mortgage

52%

DeSoto County: 39%

In Arcadia, 52% of owners have a mortgage, and their typical cost is $1,181 a month, against $1,409 in DeSoto County. Without one it drops to $413.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Arcadia gained value more slowly than in DeSoto County: 68% since 2015–2019, against 99%.

Rents in Arcadia rose more slowly than in DeSoto County: 28% since 2015–2019, against 36%.

To compare: typical income in Arcadia rose 32%; the home, +68%; the rent, +28%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureArcadiaDeSoto CountyFloridaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.4%0.9%
More than one person per room 11.2%6.8%3.3%3.4%
People per household 2.342.532.512.53
Drive alone 61%70%70%69%
Carpool 33%22%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Arcadia: 11.2% have more than one person per room; in DeSoto County, 6.8%.

Fewer people live in each home here: 2.34 on average, against 2.53 in DeSoto County.

In Arcadia, 33% of workers share a car to get to work; in DeSoto County, 22%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Arcadia?

A typical home costs more than the typical income allows

We start with a typical home in Arcadia, worth $177,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Arcadia, which is $39,677 a year. For that payment to be 28% of income, a household would need to earn about $61,197 a year.

The calculator's FHA and conventional loan limits are those of all of DeSoto County.

Your numbers

Local data
$

Starts at the typical home value in Arcadia. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,220 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,428

at 7.18% · 30 years

Loan amount
$174,481
Total interest
$251,037
Paid off in
November 2056

Includes $3,001 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $926 a month

  • Tight

    $926 to $1,190 a month

  • Hard

    more than $1,190 a month

    Your payment · 43%

Compared with the typical household income in Arcadia ($39,677 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,428
Principal & interest$1,182
Property tax$93
Home insurance$74
FHA mortgage insurance (MIP)$79

You need at least $6,220 for the down payment, plus closing costs.

Next step

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.

The city and its county

Arcadia and DeSoto County

Arcadia is in DeSoto 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).

Arcadia's own numbers

Typical home value
$177,700
Typical monthly rent
$956
Typical yearly household income
$39,677
Households that own their home
49%
Effective property tax rate
0.63%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of DeSoto County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,089
Price change over 5 years (FHFA)
+71%
Homes in a high flood-risk zone
6.6%

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 DeSoto County.

Everything about DeSoto County

Buying

Buying a home in Arcadia

A typical home in Arcadia is worth $177,700: 2% above the county and 51% below Florida. With the typical household income in Arcadia ($39,677 a year), a typical home costs 4.5 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.

  • Arcadia 4.5 years
  • DeSoto 3.2 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in DeSoto County

According to FHFA’s house price index, home prices in DeSoto County rose 164% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of DeSoto County.

Period County Florida U.S.
Last year (2025) +9.6% −0.5% +2.9%
5 years (2020–2025) +71% +60% +47%
10 years (2015–2025) +164% +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

Arcadia next to DeSoto 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
  • Arcadia $177,700
  • DeSoto $174,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Arcadia $956
  • DeSoto $932
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Arcadia $39,677
  • DeSoto $54,417
  • Florida $74,568
  • United States $80,734
See the full table
Arcadia next to DeSoto County and Florida
Measure Arcadia DeSoto County Florida U.S.
Typical home value $177,700 $174,100 $359,000 $332,700
Typical monthly rent $956 $932 $1,669 $1,413
Typical yearly household income $39,677 $54,417 $74,568 $80,734
Households that own their home 49% 73% 68% 65%
Typical yearly property tax $1,113 $1,447 $2,730 $3,119
Effective property tax rate 0.63% 0.83% 0.76% 0.94%
Renters with high rent for their income 50% 46% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below DeSoto 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 Arcadia

For a typical $177,700 home in Arcadia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Arcadia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,428a month

    Least cash to close
    Down payment
    $6,220
    Cash to close
    $11,551
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $79

  • Conventional, 5% down $1,395a month

    Down payment
    $8,885
    Cash to close
    $14,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $84

  • Conventional, 20% down, no PMI $1,130a month

    Down payment
    $35,540
    Cash to close
    $40,871
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,295a month

    Down payment
    $26,655
    Cash to close
    $31,986
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Arcadia and for DeSoto County.

Property tax

Effective rate in Arcadia

0.63%of the home’s value each year

$1,113 a year for the typical owner in Arcadia.

  • Arcadia 0.63%
  • DeSoto 0.83%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in DeSoto County

FEMA does not publish these numbers by city: they are for all of DeSoto County.

Homes in the high-risk zone
6.6%
879
Of those, with NFIP insurance
32%
County Florida U.S.
Homes in the high-risk zone 6.6% 13% 3.5%
Of those, with NFIP insurance 32% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Arcadia

Typical rent in Arcadia is $956 a month: 3% above the county. In Arcadia, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of DeSoto County, by unit size. To pay the 2-bedroom one ($1,089 a month) without spending more than 30% of your income, you would need to earn $20.94 an hour working full time.

HUD fair market rent for all of DeSoto County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $948 $18.23 $37,920
1 bedroom $954 $18.35 $38,160
2 bedrooms $1,089 $20.94 $43,560
3 bedrooms $1,497 $28.79 $59,880
4 bedrooms $1,679 $32.29 $67,160

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 Arcadia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Arcadia is in ZIP code 34266.

For 2 bedrooms it is $1,350: $261 more than the fair market rent for DeSoto County ($1,089).

  • 34266 $1,350$1,790

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Arcadia 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Arcadia

HUD lists 10 buildings with rents for lower incomes in Arcadia. These are the largest.

  • Arcadia Oaks 302 N 10th Ave, Arcadia 34266 130 low-income homes · 1 bd: 26 · 2 bd: 38 · 3 bd: 44 · 4 bd: 22 · In service since 2009 · For families
  • Oaks Trail 1300 NE Oak St, Arcadia 34266 123 low-income homes · 2 bd: 46 · 3 bd: 77 · In service since 2000
  • The Oaks 15 Booker T Washington Ave, Arcadia 34266 93 homes, 69 low-income · Run by Arcadia Housing Authority · Average payment: $457 a month · Average wait: 17 months · Homes at several sites (863) 494-4343
  • Mcpines 1514 E Cypress St, Arcadia 34266 64 low-income homes · 1 bd: 8 · 2 bd: 56 · In service since 2004
  • The Palms 612 S Dade Ave, Arcadia 34266 61 low-income homes · Run by Arcadia Housing Authority · Average payment: $436 a month · Average wait: 48 months · Homes at several sites (863) 494-4343

See all 10 buildings in DeSoto County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Arcadia

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.

We found no HUD-approved agencies with an office in DeSoto County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Arcadia

No down payment, repair or rent-help program on our list is for Arcadia or DeSoto County. The ones below are statewide in Florida: they work in Arcadia the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Arcadia

The HUD-approved agencies closest to the center of Arcadia, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Florida Non-Profit Housing Inc

    3909 Kenilworth Blvd, Sebring · 32 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (863) 385-2519

  • Rooted Communities, Inc.

    8466 Lockwood Ridge Rd, Sarasota · 41 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (941) 809-2231

  • Lee County Housing Development Corporation

    3677 Central Ave Ste F, Fort Myers · 42 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (239) 275-5105

All counseling agencies in Florida

Help in Spanish near Arcadia

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Arcadia

HUD’s record names them for Arcadia or DeSoto County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Florida Source: HUD

Cities

Other cities in DeSoto County

These cities are also in DeSoto County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about DeSoto County Housing in Florida

Nearby cities

The cities closest to Arcadia, with the typical home value.

Neighboring counties

If DeSoto County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Arcadia.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Arcadia

Short answers with the numbers for Arcadia and all of DeSoto 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 Arcadia?

The typical home value in Arcadia is $177,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in DeSoto County it is $174,100.

How much does it cost to rent in Arcadia?

Typical rent in Arcadia is $956 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in DeSoto County is $1,089.

What is the FHA loan limit in Arcadia?

Arcadia uses the FHA limit for all of DeSoto 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 Arcadia?

The typical homeowner in Arcadia pays $1,113 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in DeSoto County, the rate is 0.83%.

Where can I find free help to buy or rent in Arcadia?

We found no HUD-approved counseling agencies with an office in DeSoto County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).