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City · 32,682 residents · Osceola County, Florida

Buenaventura Lakes , Florida

In Buenaventura Lakes, a typical home is worth $327,500 and typical rent is $1,806 a month. Compared with all of Osceola County, the typical home value is 7% lower, typical household income is 5% lower, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $327,500

    7% below the county

    9% below Florida

    • Buenaventura Lakes
    • Osceola
    • Florida

  • Typical rent

    $1,806a month

    3% above the county

    8% above Florida

    • Buenaventura Lakes
    • Osceola
    • Florida

  • Typical household income

    $68,887a year

    5% below the county

    8% below Florida

    • Buenaventura Lakes
    • Osceola
    • Florida

  • Households that own their home

    74%

    9 points above the county

    6 points above Florida

    • Buenaventura Lakes
    • Osceola
    • Florida

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

Buenaventura Lakes is in Osceola 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 Osceola County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Buenaventura Lakes apart

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

  1. 74% of households in Buenaventura Lakes own their home, against 65% in Osceola County.

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

The homes here

Housing in Buenaventura Lakes

What homes there are in Buenaventura Lakes, 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

In Buenaventura Lakes, 8 in 10 homes are single-family detached houses; in Osceola County, 6.

Year built

Homes in Buenaventura Lakes are older: the typical year built is 1989; in Osceola County, 2002.

There is more room for a big family here: 77% of homes have 3 bedrooms or more, against 71% in Osceola 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

$1,558 a month

Osceola County: $1,877 a month

Without a mortgage

$536 a month

Osceola County: $632 a month

Owners with a mortgage

73%

Osceola County: 69%

In Buenaventura Lakes, 73% of owners have a mortgage, and their typical cost is $1,558 a month, against $1,877 in Osceola County. Without one it drops to $536.

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

From 2015–2019 to 2020–2024, the typical home value in Buenaventura Lakes rose 79%; in Osceola County, it rose 76%.

Rents in Buenaventura Lakes rose at about the same pace as in Osceola County: 40% since 2015–2019, against 42%.

The typical household income in Buenaventura Lakes rose 41% over that time; home values changed +79% and rent +40%.

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

MeasureBuenaventura LakesOsceola CountyFloridaUnited States
Rental vacancy Unreliable estimate7.0%7.6%5.5%
Homeowner vacancy Unreliable estimate2.1%1.4%0.9%
More than one person per room 7.2%5.3%3.3%3.4%
People per household 3.222.982.512.53
Drive alone 74%71%70%69%
Carpool 12%12%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 10%13%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Buenaventura Lakes: 7.2% have more than one person per room; in Osceola County, 5.3%.

Households in Buenaventura Lakes are bigger: 3.22 people on average; in Osceola County, 2.98.

To get to work, 74% of workers in Buenaventura Lakes drive alone; in Osceola County, 71%.

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 Buenaventura Lakes?

A typical home costs more than the typical income allows

We start with a typical home in Buenaventura Lakes, worth $327,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Buenaventura Lakes, which is $68,887 a year. For that payment to be 28% of income, a household would need to earn about $112,552 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Buenaventura Lakes. 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 $11,463 (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

$2,626

at 7.18% · 30 years

Loan amount
$321,568
Total interest
$462,660
Paid off in
November 2056

Includes $5,531 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,607 a month

  • Tight

    $1,607 to $2,067 a month

  • Hard

    more than $2,067 a month

    Your payment · 46%

Compared with the typical household income in Buenaventura Lakes ($68,887 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,626
Principal & interest$2,178
Property tax$167
Home insurance$137
FHA mortgage insurance (MIP)$145

You need at least $11,463 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

Buenaventura Lakes and Osceola County

Buenaventura Lakes is in Osceola 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).

Buenaventura Lakes's own numbers

Typical home value
$327,500
Typical monthly rent
$1,806
Typical yearly household income
$68,887
Households that own their home
74%
Effective property tax rate
0.61%

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

Numbers for all of Osceola 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)
+60%
Homes in a high flood-risk zone
11%

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 Osceola County.

Everything about Osceola County

Buying

Buying a home in Buenaventura Lakes

A typical home in Buenaventura Lakes is worth $327,500: 7% below the county and 9% below Florida. With the typical household income in Buenaventura Lakes ($68,887 a year), a typical home costs 4.8 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.

  • Buenaventura Lakes 4.8 years
  • Osceola 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 Osceola County

According to FHFA’s house price index, home prices in Osceola County rose 143% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) −0.2% −0.5% +2.9%
5 years (2020–2025) +60% +60% +47%
10 years (2015–2025) +143% +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

Buenaventura Lakes next to Osceola 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
  • Buenaventura Lakes $327,500
  • Osceola $353,300
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Buenaventura Lakes $1,806
  • Osceola $1,746
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Buenaventura Lakes $68,887
  • Osceola $72,637
  • Florida $74,568
  • United States $80,734
See the full table
Buenaventura Lakes next to Osceola County and Florida
Measure Buenaventura Lakes Osceola County Florida U.S.
Typical home value $327,500 $353,300 $359,000 $332,700
Typical monthly rent $1,806 $1,746 $1,669 $1,413
Typical yearly household income $68,887 $72,637 $74,568 $80,734
Households that own their home 74% 65% 68% 65%
Typical yearly property tax $1,994 $2,700 $2,730 $3,119
Effective property tax rate 0.61% 0.76% 0.76% 0.94%
Renters with high rent for their income 66% 65% 60% 51%

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

For a typical $327,500 home in Buenaventura Lakes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Buenaventura Lakes's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,626a month

    Least cash to close
    Down payment
    $11,463
    Cash to close
    $21,288
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $145

  • Conventional, 5% down $2,566a month

    Down payment
    $16,375
    Cash to close
    $26,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $156

  • Conventional, 20% down, no PMI $2,078a month

    Down payment
    $65,500
    Cash to close
    $75,325
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,381a month

    Down payment
    $49,125
    Cash to close
    $58,950
    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 Buenaventura Lakes and for Osceola County.

Property tax

Effective rate in Buenaventura Lakes

0.61%of the home’s value each year

$1,994 a year for the typical owner in Buenaventura Lakes.

  • Buenaventura Lakes 0.61%
  • Osceola 0.76%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Osceola County

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

Homes in the high-risk zone
11%
14,370
Of those, with NFIP insurance
36%
County Florida U.S.
Homes in the high-risk zone 11% 13% 3.5%
Of those, with NFIP insurance 36% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Buenaventura Lakes

Typical rent in Buenaventura Lakes is $1,806 a month: 3% above the county. In Buenaventura Lakes, 66% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Osceola 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 Osceola 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 Buenaventura Lakes

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Buenaventura Lakes is in ZIP code 34743.

For 2 bedrooms it is $2,030: $71 more than the fair market rent for Osceola County ($1,959).

  • 34743 $2,030$2,530

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Buenaventura Lakes 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 Buenaventura Lakes

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 2 HUD-approved agencies with an office in Osceola County; 2 say they serve in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Buenaventura Lakes

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Buenaventura Lakes

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

  • University of Florida/Florida Cooperative Extension - Osceola County Cooperative Extension Service

    1921 Kissimmee Valley Ln, Kissimmee · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (321) 697-3000

  • Community Legal Services of Mid-Florida, Inc. - Kissimmee Office

    800 N Main St, Kissimmee · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • Incharge Debt Solutions

    5750 Major Blvd, Orlando · 12 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (877) 712-6040

Every agency in Osceola County All counseling agencies in Florida

Help in Spanish near Buenaventura Lakes

3 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 Buenaventura Lakes

HUD’s record names them for Buenaventura Lakes or Osceola 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 Osceola County

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

Everything about Osceola County Housing in Florida

Nearby cities

The cities closest to Buenaventura Lakes, with the typical home value.

Neighboring counties

If Osceola 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 Buenaventura Lakes.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Buenaventura Lakes

Short answers with the numbers for Buenaventura Lakes and all of Osceola 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 Buenaventura Lakes?

The typical home value in Buenaventura Lakes is $327,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Osceola County it is $353,300.

How much does it cost to rent in Buenaventura Lakes?

Typical rent in Buenaventura Lakes is $1,806 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Osceola County is $1,959.

What is the FHA loan limit in Buenaventura Lakes?

Buenaventura Lakes uses the FHA limit for all of Osceola 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 Buenaventura Lakes?

The typical homeowner in Buenaventura Lakes pays $1,994 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Osceola County, the rate is 0.76%.

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

There are 2 HUD-approved counseling agencies with an office in Osceola County. 2 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).