In Fern Park, a typical home is worth $346,900 and typical rent is $1,612 a month. Compared with all of Seminole County, typical household income is 31% lower and the typical home value is 10% lower.
Fern Park is in Seminole 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 Seminole County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Fern Park is $59,428,31% less than in Seminole County as a whole ($85,761).
2
Nearby, in Altamonte Springs, the typical home value is $293,000: 16% less than in Fern Park ($346,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fern Park
What homes there are in Fern Park, 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
Fern Park
Seminole County
Florida
United States
Kind of home: Fern Park and its comparisons
Measure
Fern Park
Seminole County
Florida
United States
Detached house
56%
61%
55%
61%
Attached house
18%
8%
7%
6%
Building of 2 to 4
8%
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
23%
25%
19%
Mobile home
Unreliable estimate
2%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Fern Park (56%), but less so than in Seminole County (61%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Fern Park
Seminole County
Florida
United States
Year built: Fern Park and its comparisons
Measure
Fern Park
Seminole County
Florida
United States
Before 1960
9%
6%
10%
26%
1960–1979
62%
24%
24%
24%
1980–1999
23%
42%
34%
25%
2000–2009
Unreliable estimate
16%
18%
14%
2010 or later
Unreliable estimate
12%
14%
11%
The typical home in Fern Park was built in 1975, 13 years before the typical one in Seminole County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K24%
$300K–$500K51%
$500K–$750K6%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fern Park and its comparisons
Measure
Fern Park
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
24%
$300K–$500K
51%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49930%
$1,500–$1,99944%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fern Park and its comparisons
Measure
Fern Park
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
30%
$1,500–$1,999
44%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,810 a month
Seminole County: $2,020 a month
Without a mortgage
$588 a month
Seminole County: $681 a month
Owners with a mortgage
64%
Seminole County: 66%
In Fern Park, 64% of owners have a mortgage, and their typical cost is $1,810 a month, against $2,020 in Seminole County. Without one it drops to $588.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fern Park+58%
Seminole County+60%
Florida+67%
United States+53%
Typical rent
Fern Park+43%
Seminole County+44%
Florida+42%
United States+33%
Typical household income
Fern ParkNo clear change
Seminole County+28%
Florida+34%
United States+29%
Change since 2015–2019: Fern Park and its comparisons
Measure
Fern Park
Seminole County
Florida
United States
Typical home value
+58%
+60%
+67%
+53%
Typical rent
+43%
+44%
+42%
+33%
Typical household income
No clear change
+28%
+34%
+29%
The typical home value in Fern Park rose 58% since 2015–2019, about the same as in Seminole County (60%).
Rents in Fern Park rose at about the same pace as in Seminole County: 43% since 2015–2019, against 44%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fern Park and its comparisons
Measure
Fern Park
Seminole County
Florida
United States
Rental vacancy
Unreliable estimate
7.2%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.4%
3.3%
3.4%
People per household
2.19
2.55
2.51
2.53
Drive alone
69%
68%
70%
69%
Carpool
12%
7%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
16%
22%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.19 on average, against 2.55 in Seminole County.
More people carpool to work in Fern Park than in Seminole County: 12% against 7%.
Do the math
What would you pay each month for a home in Fern Park?
A typical home costs more than the typical income allows
We start with a typical home in Fern Park, worth $346,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Fern Park, which is $59,428 a year. For that payment to be 28% of income, a household would need to earn about $119,219 a year.
The calculator's FHA and conventional loan limits are those of all of Seminole 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 Fern Park. 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 $12,142 (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
$2,782
at 7.18% · 30 years
Loan amount
$340,616
Total interest
$490,067
Paid off in
November 2056
Includes $5,858 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,387 a month
Tight
$1,387 to $1,783 a month
Hard
more than $1,783 a month
Your payment · 56%
Compared with the typical household income in Fern Park ($59,428 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,307
Property tax
$176
Home insurance
$145
FHA mortgage insurance (MIP)
$153
You need at least $12,142 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 $2,782; principal and interest $2,307.
The city and its county
Fern Park and Seminole County
Fern Park is in Seminole 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).
Fern Park
Map of Seminole County, Florida, with Fern Park marked. Around it, the neighboring counties.
Fern Park
Seminole County
Other cities with a page
Fern Park's own numbers
Typical home value
$346,900
Typical monthly rent
$1,612
Typical yearly household income
$59,428
Households that own their home
64%
Effective property tax rate
0.61%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Seminole 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)
+55%
Homes in a high flood-risk zone
2.8%
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 Seminole County.
A typical home in Fern Park is worth $346,900: 10% below the county and 3% below Florida. With the typical household income in Fern Park ($59,428 a year), a typical home costs 5.8 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.
Fern Park5.8 years
Seminole4.5 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Seminole County
According to FHFA’s house price index, home prices in Seminole County rose 124% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Seminole County.
Yearly change in FHFA’s price index in Seminole County, 2016 to 2025
2016: +8.4% +8.4% 2016
2017: +10.3% +10.3% 2017
2018: +8.5% +8.5% 2018
2019: +6.8% +6.8% 2019
2020: +4.3% +4.3% 2020
2021: +13.0% +13.0% 2021
2022: +20.8% +20.8% 2022
2023: +9.2% +9.2% 2023
2024: +3.8% +3.8% 2024
2025: +0.0% +0.0% 2025
Change in FHFA’s price index in Seminole County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
+0.0%
−0.5%
+2.9%
5 years (2020–2025)
+55%
+60%
+47%
10 years (2015–2025)
+124%
+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
Fern Park next to Seminole 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
Fern Park$346,900
Seminole$386,900
Florida$359,000
United States$332,700
Typical monthly rent
Fern Park$1,612
Seminole$1,783
Florida$1,669
United States$1,413
Typical yearly household income
Fern Park$59,428
Seminole$85,761
Florida$74,568
United States$80,734
See the full table
Fern Park next to Seminole County and Florida
Measure
Fern Park
Seminole County
Florida
U.S.
Typical home value
$346,900 ▼10% below the county
$386,900
$359,000
$332,700
Typical monthly rent
$1,612 ▼10% below the county
$1,783
$1,669
$1,413
Typical yearly household income
$59,428 ▼31% below the county
$85,761
$74,568
$80,734
Households that own their home
64% ▼3 points below the county
66%
68%
65%
Typical yearly property tax
$2,114 ▼19% below the county
$2,599
$2,730
$3,119
Effective property tax rate
0.61% ▼0.06 points below the county
0.67%
0.76%
0.94%
Renters with high rent for their income
71% ▲12 points above 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 Seminole 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 Fern Park
For a typical $346,900 home in Fern Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fern Park's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,782a month
Least cash to close
Down payment
$12,142
Cash to close
$22,549
Rate
7.18%
Mortgage insurance
FHA MIP · $153
Conventional, 5% down$2,718a month
Down payment
$17,345
Cash to close
$27,752
Rate
7.18%
Mortgage insurance
PMI · $165
Conventional, 20% down, no PMI$2,201a month
Down payment
$69,380
Cash to close
$79,787
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,522a month
Down payment
$52,035
Cash to close
$62,442
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fern Park
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,782
$12,142
$340,617
7.18%
FHA MIP · $153
$22,549
580
Conventional, 5% down
$2,718
$17,345
$329,555
7.18%
PMI · $165
$27,752
620*
Conventional, 20% down, no PMI
$2,201
$69,380
$277,520
7.18%
None
$79,787
620*
ITIN, 15% down (example)
$2,522
$52,035
$294,865
8.18%
None
$62,442
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 Fern Park is $1,612 a month: 10% below the county. In Fern Park, 71% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Seminole 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 Seminole 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 Fern Park
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fern Park has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,730 in 32730 to $2,170 in 32751.
1 of the 2 is above the fair market rent for Seminole County ($1,959).
Fair market rent by ZIP code and size in Fern Park, fiscal year 2027.
32730
$1,460
$1,520
$1,730
$2,160
$2,520
32751
$1,840
$1,910
$2,170
$2,710
$3,160
ZIP code2 bd3 bd
32730 $1,730$2,160
32751 $2,170$2,710
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fern Park 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)
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 Seminole County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Fern Park or Seminole County. The ones below are statewide in Florida: they work in Fern Park 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 Fern Park or Seminole 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 Fern Park and all of Seminole 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 Fern Park?
The typical home value in Fern Park is $346,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Seminole County it is $386,900.
How much does it cost to rent in Fern Park?
Typical rent in Fern Park is $1,612 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Seminole County is $1,959.
What is the FHA loan limit in Fern Park?
Fern Park uses the FHA limit for all of Seminole 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 Fern Park?
The typical homeowner in Fern Park pays $2,114 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Seminole County, the rate is 0.67%.
Where can I find free help to buy or rent in Fern Park?
There are 2 HUD-approved counseling agencies with an office in Seminole County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
