In Eustis, a typical home is worth $270,700 and typical rent is $1,135 a month. Compared with all of Lake County, typical rent is 28% lower, the typical home value is 15% lower, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $274,675 to $334,607.
Typical rent
$1,574a month
▲ 0.5% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,350 to $1,574.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Eustis is in Lake 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 Lake County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical rent in Eustis is $1,135 a month, 28% less than in Lake County as a whole ($1,586).
2
Nearby, in Lady Lake, the typical home value is $227,300: 16% less than in Eustis ($270,700).
3
71% of households in Eustis own their home, against 78% in Lake County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Eustis
What homes there are in Eustis, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Eustis
Lake County
Florida
United States
Kind of home: Eustis and its comparisons
Measure
Eustis
Lake County
Florida
United States
Detached house
68%
68%
55%
61%
Attached house
Unreliable estimate
2%
7%
6%
Building of 2 to 4
8%
4%
6%
8%
Apartments (5 or more)
15%
10%
25%
19%
Mobile home
8%
16%
8%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
As in Lake County, most homes in Eustis are detached houses (68%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Eustis
Lake County
Florida
United States
Year built: Eustis and its comparisons
Measure
Eustis
Lake County
Florida
United States
Before 1960
15%
8%
10%
26%
1960–1979
19%
15%
24%
24%
1980–1999
42%
33%
34%
25%
2000–2009
15%
23%
18%
14%
2010 or later
9%
22%
14%
11%
The typical home in Eustis was built in 1986, 11 years before the typical one in Lake County.
Homes in Eustis are smaller: 54% have 3 bedrooms or more; in Lake County, 62%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K17%
$100K–$200K9%
$200K–$300K34%
$300K–$500K34%
$500K–$750K5%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Eustis and its comparisons
Measure
Eustis
Under $100K
17%
$100K–$200K
9%
$200K–$300K
34%
$300K–$500K
34%
$500K–$750K
5%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Lake County is $541,287, and about 94% of owner-occupied homes in Eustis are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99925%
$1,000–$1,49926%
$1,500–$1,99922%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Eustis and its comparisons
Measure
Eustis
Under $500
Unreliable estimate
$500–$999
25%
$1,000–$1,499
26%
$1,500–$1,999
22%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,604 a month
Lake County: $1,814 a month
Without a mortgage
$491 a month
Lake County: $584 a month
Owners with a mortgage
67%
Lake County: 56%
Owning costs less in Eustis: with a mortgage, the typical cost is $1,604 a month; in Lake County, $1,814. Without one, $491.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Eustis+67%
Lake County+76%
Florida+67%
United States+53%
Typical rent
Eustis+34%
Lake County+46%
Florida+42%
United States+33%
Typical household income
Eustis+40%
Lake County+34%
Florida+34%
United States+29%
Change since 2015–2019: Eustis and its comparisons
Measure
Eustis
Lake County
Florida
United States
Typical home value
+67%
+76%
+67%
+53%
Typical rent
+34%
+46%
+42%
+33%
Typical household income
+40%
+34%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Eustis rose 67%; in Lake County, it rose 76%.
The typical rent in Eustis rose 34% over the same time; in Lake County, it rose 46%.
To compare: typical income in Eustis rose 40%; the home, +67%; the rent, +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Eustis and its comparisons
Measure
Eustis
Lake County
Florida
United States
Rental vacancy
Unreliable estimate
10.3%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.8%
1.4%
0.9%
More than one person per room
Unreliable estimate
1.9%
3.3%
3.4%
People per household
2.34
2.48
2.51
2.53
Drive alone
74%
72%
70%
69%
Carpool
11%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
13%
16%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.34 on average, against 2.48 in Lake County.
In Eustis, 74% of workers drive alone to work; in Lake County, 72%.
Do the math
What would you pay each month for a home in Eustis?
A typical home costs more than the typical income allows
We start with a typical home in Eustis, worth $270,700, 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 Eustis, which is $65,373 a year. For that payment to be 28% of income, a household would need to earn about $93,901 a year.
The calculator's FHA and conventional loan limits are those of all of Lake County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Eustis. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,475 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,191
at 7.18% · 30 years
Loan amount
$265,796
Total interest
$382,419
Paid off in
November 2056
Includes $4,571 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,525 a month
Tight
$1,525 to $1,961 a month
Hard
more than $1,961 a month
Your payment · 40%
Compared with the typical household income in Eustis ($65,373 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,801
Property tax
$158
Home insurance
$113
FHA mortgage insurance (MIP)
$120
You need at least $9,475 for the down payment, plus closing costs.
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.
Total monthly payment $2,191; principal and interest $1,801.
The city and its county
Eustis and Lake County
Eustis is in Lake 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).
Eustis
Map of Lake County, Florida, with Eustis marked. Around it, the neighboring counties.
Eustis
Lake County
Other cities with a page
Eustis's own numbers
Typical home value
$270,700
Typical monthly rent
$1,135
Typical yearly household income
$65,373
Households that own their home
71%
Effective property tax rate
0.7%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lake 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)
+61%
Homes in a high flood-risk zone
4.5%
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 Lake County.
A typical home in Eustis is worth $270,700: 15% below the county and 25% below Florida. With the typical household income in Eustis ($65,373 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.
Eustis4.1 years
Lake4.4 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lake County
According to FHFA’s house price index, home prices in Lake County rose 131% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lake County.
Yearly change in FHFA’s price index in Lake County, 2016 to 2025
2016: +7.7% +7.7% 2016
2017: +8.4% +8.4% 2017
2018: +10.7% +10.7% 2018
2019: +5.9% +5.9% 2019
2020: +4.8% +4.8% 2020
2021: +14.5% +14.5% 2021
2022: +23.7% +23.7% 2022
2023: +6.7% +6.7% 2023
2024: +4.4% +4.4% 2024
2025: +2.2% +2.2% 2025
Change in FHFA’s price index in Lake County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
+2.2%
−0.5%
+2.9%
5 years (2020–2025)
+61%
+60%
+47%
10 years (2015–2025)
+131%
+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
Eustis next to Lake 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
Eustis$270,700
Lake$318,400
Florida$359,000
United States$332,700
Typical monthly rent
Eustis$1,135
Lake$1,586
Florida$1,669
United States$1,413
Typical yearly household income
Eustis$65,373
Lake$73,161
Florida$74,568
United States$80,734
See the full table
Eustis next to Lake County and Florida
Measure
Eustis
Lake County
Florida
U.S.
Typical home value
$270,700 ▼15% below the county
$318,400
$359,000
$332,700
Typical monthly rent
$1,135 ▼28% below the county
$1,586
$1,669
$1,413
Typical yearly household income
$65,373 ▼11% below the county
$73,161
$74,568
$80,734
Households that own their home
71% ▼7 points below the county
78%
68%
65%
Typical yearly property tax
$1,902 ▼22% below the county
$2,433
$2,730
$3,119
Effective property tax rate
0.7% ▼0.06 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
55% ▼4 points below the county
59%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lake 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 Eustis
For a typical $270,700 home in Eustis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eustis's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,191a month
Least cash to close
Down payment
$9,475
Cash to close
$17,596
Rate
7.18%
Mortgage insurance
FHA MIP · $120
Conventional, 5% down$2,141a month
Down payment
$13,535
Cash to close
$21,656
Rate
7.18%
Mortgage insurance
PMI · $129
Conventional, 20% down, no PMI$1,738a month
Down payment
$54,140
Cash to close
$62,261
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,988a month
Down payment
$40,605
Cash to close
$48,726
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Eustis
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,191
$9,475
$265,797
7.18%
FHA MIP · $120
$17,596
580
Conventional, 5% down
$2,141
$13,535
$257,165
7.18%
PMI · $129
$21,656
620*
Conventional, 20% down, no PMI
$1,738
$54,140
$216,560
7.18%
None
$62,261
620*
ITIN, 15% down (example)
$1,988
$40,605
$230,095
8.18%
None
$48,726
Set by the lender
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.
Typical rent in Eustis is $1,135 a month: 28% below the county. In Eustis, 55% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lake 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lake County (Fiscal year 2027)
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 Eustis
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eustis has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,370 in 32726 to $1,390 in 32736.
None is above the fair market rent for Lake County ($1,959).
Fair market rent by ZIP code and size in Eustis, fiscal year 2027.
32726
$1,150
$1,210
$1,370
$1,730
$2,090
32736
$1,180
$1,220
$1,390
$1,740
$2,090
ZIP code2 bd3 bd
32726 $1,370$1,730
32736 $1,390$1,740
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Eustis 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 7 buildings with rents for lower incomes in Eustis. These are the largest.
Valencia Grove551 Huffstetler Dr, Eustis 32726144 low-income homes · 1 bd: 24 · 2 bd: 96 · 3 bd: 24 · In service since 2016 · For families
Club at Eustis Village2750 David Walker Dr, Eustis 3272696 low-income homes · 1 bd: 16 · 3 bd: 64 · 4 bd: 16 · In service since 2007 · For families
Little Oaks300 W Atwater Ave, Eustis 3272668 low-income homes · 1 bd: 20 · 2 bd: 36 · 3 bd: 12 · In service since 2011 · For families(352) 589-2515
Name Unknown1105 Morin St, Eustis 3272660 low-income homes · Run by Housing Authority of the City of Eustis · Average payment: $647 a month · Average wait: 20 months · Homes at several sites(352) 357-4851
Colony Court801 Mount Homer Rd, Eustis 3272646 low-income homes
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 Lake County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Eustis or Lake County. The ones below are statewide in Florida: they work in Eustis the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Eustis or Lake County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Eustis and all of Lake 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 Eustis?
The typical home value in Eustis is $270,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lake County it is $318,400.
How much does it cost to rent in Eustis?
Typical rent in Eustis is $1,135 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lake County is $1,959.
What is the FHA loan limit in Eustis?
Eustis uses the FHA limit for all of Lake 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 Eustis?
The typical homeowner in Eustis pays $1,902 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Lake County, the rate is 0.76%.
Where can I find free help to buy or rent in Eustis?
There are 2 HUD-approved counseling agencies with an office in Lake County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
