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City · 12,928 residents · Orange County, Florida

Conway , Florida

In Conway, a typical home is worth $405,800 and typical rent is $1,682 a month. Compared with all of Orange County, typical household income is 10% higher, typical rent is 5% lower, and the share of households that own their home is 30 points higher.

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  • Typical home value

    $405,800

    4% above the county

    13% above Florida

    • Conway
    • Orange
    • Florida

  • Typical rent

    $1,682a month

    5% below the county

    About the same as Florida

    • Conway
    • Orange
    • Florida

  • Typical household income

    $87,405a year

    10% above the county

    17% above Florida

    • Conway
    • Orange
    • Florida

  • Households that own their home

    86%

    30 points above the county

    19 points above Florida

    • Conway
    • Orange
    • Florida

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

Conway 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 Conway apart

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

  1. 86% of households in Conway own their home, against 57% in Orange County.

  2. Nearby, in Sky Lake, the typical home value is $280,400: 31% less than in Conway ($405,800).

  3. Nearby, in Pine Castle, the typical rent is $1,361: 19% less than in Conway ($1,682).

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

The homes here

Housing in Conway

What homes there are in Conway, 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 91% of homes here, against 54% in Orange County.

Year built

Homes in Conway are older: the typical year built is 1975; in Orange County, 1994.

Homes in Conway are bigger: 89% have 3 bedrooms or more; in Orange County, 61%.

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

$2,025 a month

Orange County: $2,055 a month

Without a mortgage

$603 a month

Orange County: $695 a month

Owners with a mortgage

64%

Orange County: 67%

In Conway, 64% of owners have a mortgage; their typical cost is $2,025 a month, about the same as in Orange County.

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

The typical home value in Conway rose 61% since 2015–2019, less than in Orange County (65%).

The typical rent in Conway rose 37% over the same time; in Orange County, it rose 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

MeasureConwayOrange 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 2.592.722.512.53
Drive alone 72%68%70%69%
Carpool 8%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 18%18%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Orange County, a household in Conway has 2.59 people on average.

To get to work, 72% of workers in Conway drive alone; in Orange County, 68%.

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 Conway?

A typical home costs more than the typical income allows

We start with a typical home in Conway, worth $405,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Conway, which is $87,405 a year. For that payment to be 28% of income, a household would need to earn about $140,765 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 Conway. 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 $14,203 (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

$3,285

at 7.18% · 30 years

Loan amount
$398,450
Total interest
$573,276
Paid off in
November 2056

Includes $6,853 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,039 a month

  • Tight

    $2,039 to $2,622 a month

  • Hard

    more than $2,622 a month

    Your payment · 45%

Compared with the typical household income in Conway ($87,405 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,285
Principal & interest$2,699
Property tax$237
Home insurance$169
FHA mortgage insurance (MIP)$179

You need at least $14,203 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

Conway and Orange County

Conway 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).

Conway's own numbers

Typical home value
$405,800
Typical monthly rent
$1,682
Typical yearly household income
$87,405
Households that own their home
86%
Effective property tax rate
0.7%

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 Conway

A typical home in Conway is worth $405,800: 4% above the county and 13% above Florida. With the typical household income in Conway ($87,405 a year), a typical home costs 4.6 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.

  • Conway 4.6 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

Conway 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
  • Conway $405,800
  • Orange $390,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Conway $1,682
  • Orange $1,775
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Conway $87,405
  • Orange $79,719
  • Florida $74,568
  • United States $80,734
See the full table
Conway next to Orange County and Florida
Measure Conway Orange County Florida U.S.
Typical home value $405,800 $390,100 $359,000 $332,700
Typical monthly rent $1,682 $1,775 $1,669 $1,413
Typical yearly household income $87,405 $79,719 $74,568 $80,734
Households that own their home 86% 57% 68% 65%
Typical yearly property tax $2,857 $2,967 $2,730 $3,119
Effective property tax rate 0.7% 0.76% 0.76% 0.94%
Renters with high rent for their income 59% 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 Conway

For a typical $405,800 home in Conway, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Conway's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,285a month

    Least cash to close
    Down payment
    $14,203
    Cash to close
    $26,377
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $179

  • Conventional, 5% down $3,210a month

    Down payment
    $20,290
    Cash to close
    $32,464
    Rate
    7.18%
    Mortgage insurance
    PMI · $193

  • Conventional, 20% down, no PMI $2,605a month

    Down payment
    $81,160
    Cash to close
    $93,334
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,980a month

    Down payment
    $60,870
    Cash to close
    $73,044
    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 Conway and for Orange County.

Property tax

Effective rate in Conway

0.7%of the home’s value each year

$2,857 a year for the typical owner in Conway.

  • Conway 0.7%
  • 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 Conway

Typical rent in Conway is $1,682 a month: 5% below the county. In Conway, 59% 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.

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 Conway

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

For 2 bedrooms it runs from $1,780 in 32806 to $1,810 in 32812.

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

  • 32806 $1,780$2,220
  • 32812 $1,810$2,260

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

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 young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Conway

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Conway

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

  • Greenpath Financial Wellness

    121 S Orange Ave, Orlando · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (813) 374-2251

  • Community Legal Services of Mid-Florida, Inc.

    122 E Colonial Dr, Orlando · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (386) 255-6573

  • NSC (naca Counseling Subsidiary) - Orlando, FL

    1000 N Magnolia Ave Ste B, Orlando · 5 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 Conway

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 Conway

HUD’s record names them for Conway 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 Conway, 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 Conway.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Conway

Short answers with the numbers for Conway 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 Conway?

The typical home value in Conway is $405,800, 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 Conway?

Typical rent in Conway is $1,682 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 Conway?

Conway 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 Conway?

The typical homeowner in Conway pays $2,857 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Orange County, the rate is 0.76%.

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

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).