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City · 12,984 residents · Orange County, Florida

Doctor Phillips , Florida

In Doctor Phillips, a typical home is worth $529,900 and typical rent is $2,393 a month. Compared with all of Orange County, the typical home value is 36% higher, typical rent is 35% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $529,900

    36% above the county

    48% above Florida

    • Doctor Phillips
    • Orange
    • Florida

  • Typical rent

    $2,393a month

    35% above the county

    43% above Florida

    • Doctor Phillips
    • Orange
    • Florida

  • Typical household income

    $103,950a year

    30% above the county

    39% above Florida

    • Doctor Phillips
    • Orange
    • Florida

  • Households that own their home

    67%

    10 points above the county

    About the same as Florida

    • Doctor Phillips
    • Orange
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$535,356
about the same as 12 months ago
Typical rent
$2,670 a month
1.8% more than 12 months ago

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

Doctor Phillips 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 Doctor Phillips apart

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

  1. Nearby, in Oak Ridge, the typical home value is $280,200: 47% less than in Doctor Phillips ($529,900).

  2. Nearby, in Oak Ridge, the typical rent is $1,466: 39% less than in Doctor Phillips ($2,393).

  3. The typical home in Doctor Phillips is worth $529,900, 36% more than in Orange County as a whole ($390,100).

  4. The typical rent in Doctor Phillips is $2,393 a month, 35% more than in Orange County as a whole ($1,775).

  5. The typical household income in Doctor Phillips is $103,950, 30% more than in Orange County as a whole ($79,719).

  6. 67% of households in Doctor Phillips own their home, against 57% in Orange County.

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

The homes here

Housing in Doctor Phillips

What homes there are in Doctor Phillips, 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

The detached house is the most common home in Doctor Phillips: 56% of homes, near the figure in Orange County (54%).

Year built

By age, homes in Doctor Phillips look like those in Orange County: the typical year built is 1997.

In Doctor Phillips, 73% of homes have 3 bedrooms or more, more than 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

$2,789 a month

Orange County: $2,055 a month

Without a mortgage

$1,022 a month

Orange County: $695 a month

Owners with a mortgage

56%

Orange County: 67%

In Doctor Phillips, 56% of owners have a mortgage, and their typical cost is $2,789 a month, against $2,055 in Orange County. Without one it drops to $1,022.

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 Doctor Phillips gained value more slowly than in Orange County: 44% since 2015–2019, against 65%.

The typical rent in Doctor Phillips rose 20% 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

MeasureDoctor PhillipsOrange 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 2.412.722.512.53
Drive alone 74%68%70%69%
Carpool 6%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 19%18%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Doctor Phillips are smaller: 2.41 people on average; in Orange County, 2.72.

To get to work, 74% of workers in Doctor Phillips 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 Doctor Phillips?

A typical home costs more than the typical income allows

We start with a typical home in Doctor Phillips, worth $529,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Doctor Phillips, which is $103,950 a year. For that payment to be 28% of income, a household would need to earn about $188,166 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 Doctor Phillips. 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 $18,547 (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

$4,391

at 7.18% · 30 years

Loan amount
$520,302
Total interest
$748,592
Paid off in
November 2056

Includes $8,949 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,426 a month

  • Tight

    $2,426 to $3,119 a month

  • Hard

    more than $3,119 a month

    Your payment · 51%

Compared with the typical household income in Doctor Phillips ($103,950 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,391
Principal & interest$3,525
Property tax$411
Home insurance$221
FHA mortgage insurance (MIP)$234

You need at least $18,547 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

Doctor Phillips and Orange County

Doctor Phillips 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).

Doctor Phillips's own numbers

Typical home value
$529,900
Typical monthly rent
$2,393
Typical yearly household income
$103,950
Households that own their home
67%
Effective property tax rate
0.93%

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 Doctor Phillips

A typical home in Doctor Phillips is worth $529,900: 36% above the county and 48% above Florida. With the typical household income in Doctor Phillips ($103,950 a year), a typical home costs 5.1 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.

  • Doctor Phillips 5.1 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

Doctor Phillips 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
  • Doctor Phillips $529,900
  • Orange $390,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Doctor Phillips $2,393
  • Orange $1,775
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Doctor Phillips $103,950
  • Orange $79,719
  • Florida $74,568
  • United States $80,734
See the full table
Doctor Phillips next to Orange County and Florida
Measure Doctor Phillips Orange County Florida U.S.
Typical home value $529,900 $390,100 $359,000 $332,700
Typical monthly rent $2,393 $1,775 $1,669 $1,413
Typical yearly household income $103,950 $79,719 $74,568 $80,734
Households that own their home 67% 57% 68% 65%
Typical yearly property tax $4,918 $2,967 $2,730 $3,119
Effective property tax rate 0.93% 0.76% 0.76% 0.94%
Renters with high rent for their income 51% 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 Doctor Phillips

For a typical $529,900 home in Doctor Phillips, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Doctor Phillips's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,391a month

    Least cash to close
    Down payment
    $18,547
    Cash to close
    $34,444
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $234

  • Conventional, 5% down $4,293a month

    Down payment
    $26,495
    Cash to close
    $42,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $252

  • Conventional, 20% down, no PMI $3,503a month

    Down payment
    $105,980
    Cash to close
    $121,877
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,993a month

    Down payment
    $79,485
    Cash to close
    $95,382
    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 Doctor Phillips and for Orange County.

Property tax

Effective rate in Doctor Phillips

0.93%of the home’s value each year

$4,918 a year for the typical owner in Doctor Phillips.

  • Doctor Phillips 0.93%
  • 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 Doctor Phillips

Typical rent in Doctor Phillips is $2,393 a month: 35% above the county. In Doctor Phillips, 51% 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 Doctor Phillips

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

For 2 bedrooms it runs from $2,270 in 32819 to $2,320 in 32836.

2 of the 2 are above the fair market rent for Orange County ($1,959).

  • 32819 $2,270$2,830
  • 32836 $2,320$2,900

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

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Doctor Phillips

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Doctor Phillips

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

  • Incharge Debt Solutions

    5750 Major Blvd, Orlando · 3 miles away · Spanish

    Also serves in Creole.

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

  • Operation Hope - Orlando Branch

    5025 W COLONIAL DRIVE, Orlando · 8 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (863) 777-9355

  • Greenpath Financial Wellness

    121 S Orange Ave, Orlando · 10 miles away · Spanish

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

Every agency in Orange County All counseling agencies in Florida

Help in Spanish near Doctor Phillips

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 Doctor Phillips

HUD’s record names them for Doctor Phillips 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 Doctor Phillips, 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 Doctor Phillips.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Doctor Phillips

Short answers with the numbers for Doctor Phillips 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 Doctor Phillips?

The typical home value in Doctor Phillips is $529,900, 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 Doctor Phillips?

Typical rent in Doctor Phillips is $2,393 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 Doctor Phillips?

Doctor Phillips 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 Doctor Phillips?

The typical homeowner in Doctor Phillips pays $4,918 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Orange County, the rate is 0.76%.

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

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).