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City · 10,486 residents · Orange County, Florida

Bithlo , Florida

In Bithlo, a typical home is worth $377,500 and typical rent is $1,388 a month. Compared with all of Orange County, typical rent is 22% lower, typical household income is 16% higher, and the share of households that own their home is 24 points higher.

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  • Typical home value

    $377,500

    3% below the county

    5% above Florida

    • Bithlo
    • Orange
    • Florida

  • Typical rent

    $1,388a month

    22% below the county

    17% below Florida

    • Bithlo
    • Orange
    • Florida

  • Typical household income

    $92,441a year

    16% above the county

    24% above Florida

    • Bithlo
    • Orange
    • Florida

  • Households that own their home

    81%

    24 points above the county

    13 points above Florida

    • Bithlo
    • Orange
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$502,908
1.2% more than 12 months ago

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

Bithlo 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Bithlo apart

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

  1. 81% of households in Bithlo own their home, against 57% in Orange County.

  2. Nearby, in University, the typical home value is $298,900: 21% less than in Bithlo ($377,500).

  3. The typical rent in Bithlo is $1,388 a month, 22% less than in Orange County as a whole ($1,775).

  4. The typical household income in Bithlo is $92,441, 16% more than in Orange County as a whole ($79,719).

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

The homes here

Housing in Bithlo

What homes there are in Bithlo, 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 58% of homes here, against 54% in Orange County.

There are more mobile homes here than in Orange County: 36% of homes, against 3%.

Year built

Here half of the homes date from 2003 or later; in Orange County, from 1994 or later.

There is more room for a big family here: 79% of homes have 3 bedrooms or more, against 61% in Orange County.

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

$2,373 a month

Orange County: $2,055 a month

Without a mortgage

$464 a month

Orange County: $695 a month

Owners with a mortgage

59%

Orange County: 67%

The typical cost for an owner with a mortgage in Bithlo is $2,373 a month, more than in Orange County ($2,055); without one, $464.

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 Bithlo gained value more slowly than in Orange County: 47% since 2015–2019, against 65%.

Since 2015–2019, the typical rent in Bithlo rose 59%, more than in Orange County (46%).

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

MeasureBithloOrange CountyFloridaUnited States
Rental vacancy Unreliable estimate9.3%7.6%5.5%
Homeowner vacancy Unreliable estimate2.4%1.4%0.9%
More than one person per room Unreliable estimate3.7%3.3%3.4%
People per household 3.212.722.512.53
Drive alone 62%68%70%69%
Carpool 15%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 13%18%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Bithlo are bigger: 3.21 people on average; in Orange County, 2.72.

More people carpool to work in Bithlo than in Orange County: 15% against 9%.

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 Bithlo?

A typical home costs more than the typical income allows

We start with a typical home in Bithlo, worth $377,500, 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 Bithlo, which is $92,441 a year. For that payment to be 28% of income, a household would need to earn about $132,431 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bithlo. 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 $13,213 (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

$3,090

at 7.18% · 30 years

Loan amount
$370,662
Total interest
$533,296
Paid off in
November 2056

Includes $6,375 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,157 a month

  • Tight

    $2,157 to $2,773 a month

  • Hard

    more than $2,773 a month

    Your payment · 40%

Compared with the typical household income in Bithlo ($92,441 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,090
Principal & interest$2,511
Property tax$255
Home insurance$157
FHA mortgage insurance (MIP)$167

You need at least $13,213 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

Bithlo and Orange County

Bithlo 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).

Bithlo's own numbers

Typical home value
$377,500
Typical monthly rent
$1,388
Typical yearly household income
$92,441
Households that own their home
81%
Effective property tax rate
0.81%

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.

Everything about Orange County

Buying

Buying a home in Bithlo

A typical home in Bithlo is worth $377,500: 3% below the county and 5% above Florida. With the typical household income in Bithlo ($92,441 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.

  • Bithlo 4.1 years
  • Orange 4.9 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Bithlo 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
  • Bithlo $377,500
  • Orange $390,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Bithlo $1,388
  • Orange $1,775
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Bithlo $92,441
  • Orange $79,719
  • Florida $74,568
  • United States $80,734
See the full table
Bithlo next to Orange County and Florida
Measure Bithlo Orange County Florida U.S.
Typical home value $377,500 $390,100 $359,000 $332,700
Typical monthly rent $1,388 $1,775 $1,669 $1,413
Typical yearly household income $92,441 $79,719 $74,568 $80,734
Households that own their home 81% 57% 68% 65%
Typical yearly property tax $3,041 $2,967 $2,730 $3,119
Effective property tax rate 0.81% 0.76% 0.76% 0.94%

“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 Bithlo

For a typical $377,500 home in Bithlo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bithlo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,090a month

    Least cash to close
    Down payment
    $13,213
    Cash to close
    $24,538
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $167

  • Conventional, 5% down $3,021a month

    Down payment
    $18,875
    Cash to close
    $30,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $179

  • Conventional, 20% down, no PMI $2,458a month

    Down payment
    $75,500
    Cash to close
    $86,825
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,807a month

    Down payment
    $56,625
    Cash to close
    $67,950
    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 Bithlo and for Orange County.

Property tax

Effective rate in Bithlo

0.81%of the home’s value each year

$3,041 a year for the typical owner in Bithlo.

  • Bithlo 0.81%
  • Orange 0.76%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Orange County

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

Homes in the high-risk zone
2.3%
9,209
Of those, with NFIP insurance
44%
County Florida U.S.
Homes in the high-risk zone 2.3% 13% 3.5%
Of those, with NFIP insurance 44% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bithlo

Typical rent in Bithlo is $1,388 a month: 22% below the county.

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.

HUD fair market rent for all of Orange 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 $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 Bithlo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bithlo has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,690 in 32833 to $1,950 in 32820.

None is above the fair market rent for Orange County ($1,959).

  • 32820 $1,950$2,480
  • 32833 $1,690$2,110

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bithlo 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?

Free help

Help to buy or rent in Bithlo

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.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Bithlo

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Bithlo

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

  • Catholic Charities of Central Florida

    1819 N Semoran Blvd, Orlando · 13 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (407) 658-1818

  • Consumer Debt Counselors, Inc

    831 W Morse Blvd, Winter Park · 16 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (800) 820-9232

  • NSC (naca Counseling Subsidiary) - Orlando, FL

    1000 N Magnolia Ave Ste B, Orlando · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (847) 704-6222

Every agency in Orange County All counseling agencies in Florida

Help in Spanish near Bithlo

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 Bithlo

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

  • Orange County Housing & Community Development Section 8 vouchers (407) 836-5150

2 other authorities have an office in Orange County: see the list Source: HUD

Cities

Other cities in Orange County

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

Everything about Orange County Housing in Florida
See 16 more cities in Orange County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Orange 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 Bithlo.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Bithlo

Short answers with the numbers for Bithlo 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 Bithlo?

The typical home value in Bithlo is $377,500, 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 Bithlo?

Typical rent in Bithlo is $1,388 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 Bithlo?

Bithlo 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 Bithlo?

The typical homeowner in Bithlo pays $3,041 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Orange County, the rate is 0.76%.

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

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.

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).