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City · 12,878 residents · Seminole County, Florida

Goldenrod , Florida

In Goldenrod, a typical home is worth $358,700 and typical rent is $1,734 a month. Compared with all of Seminole County, typical household income is 21% lower, the typical home value is 7% lower, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $358,700

    7% below the county

    About the same as Florida

    • Goldenrod
    • Seminole
    • Florida

  • Typical rent

    $1,734a month

    3% below the county

    4% above Florida

    • Goldenrod
    • Seminole
    • Florida

  • Typical household income

    $67,563a year

    21% below the county

    9% below Florida

    • Goldenrod
    • Seminole
    • Florida

  • Households that own their home

    48%

    18 points below the county

    20 points below Florida

    • Goldenrod
    • Seminole
    • Florida

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

Goldenrod 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Goldenrod apart

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

  1. 48% of households in Goldenrod own their home, against 66% in Seminole County.

  2. Nearby, in Azalea Park, the typical home value is $283,500: 21% less than in Goldenrod ($358,700).

  3. The typical household income in Goldenrod is $67,563, 21% less than in Seminole County as a whole ($85,761).

  4. Nearby, in Union Park, the typical rent is $1,473: 15% less than in Goldenrod ($1,734).

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

The homes here

Housing in Goldenrod

What homes there are in Goldenrod, 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 Goldenrod there is a bit of everything: no kind of home reaches half. The most common are detached houses (49%); in Seminole County, 61%.

Year built

In Goldenrod, half of the homes were built before 1980; in Seminole County, before 1988.

There are fewer big homes in Goldenrod than in Seminole County: 52% have 3 bedrooms or more, against 67%.

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

$1,915 a month

Seminole County: $2,020 a month

Without a mortgage

$609 a month

Seminole County: $681 a month

Owners with a mortgage

60%

Seminole County: 66%

The typical cost for an owner with a mortgage in Goldenrod is $1,915 a month, less than in Seminole County ($2,020); without one, $609.

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

Since 2015–2019, homes in Goldenrod gained value faster than in Seminole County: 65% against 60%.

Much as in Seminole County, the typical rent in Goldenrod rose 43% since 2015–2019.

The typical household income in Goldenrod rose 39%: less than home values (+65%) and rent (+43%).

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

MeasureGoldenrodSeminole CountyFloridaUnited States
Rental vacancy 8.7%7.2%7.6%5.5%
Homeowner vacancy Unreliable estimate0.9%1.4%0.9%
More than one person per room Unreliable estimate2.4%3.3%3.4%
People per household 2.332.552.512.53
Drive alone 68%68%70%69%
Carpool 9%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 17%22%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Goldenrod, the rental vacancy rate is 8.7%; in Seminole County, 7.2%.

On average, a household in Goldenrod has 2.33 people, fewer than in Seminole County (2.55).

In Goldenrod, 68% of workers drive alone to work; in Seminole 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 Goldenrod?

A typical home costs more than the typical income allows

We start with a typical home in Goldenrod, worth $358,700, 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 Goldenrod, which is $67,563 a year. For that payment to be 28% of income, a household would need to earn about $122,890 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Goldenrod. 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 $12,555 (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

$2,867

at 7.18% · 30 years

Loan amount
$352,203
Total interest
$506,737
Paid off in
November 2056

Includes $6,058 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,576 a month

  • Tight

    $1,576 to $2,027 a month

  • Hard

    more than $2,027 a month

    Your payment · 51%

Compared with the typical household income in Goldenrod ($67,563 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,867
Principal & interest$2,386
Property tax$173
Home insurance$150
FHA mortgage insurance (MIP)$159

You need at least $12,555 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

Goldenrod and Seminole County

Goldenrod 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).

Goldenrod's own numbers

Typical home value
$358,700
Typical monthly rent
$1,734
Typical yearly household income
$67,563
Households that own their home
48%
Effective property tax rate
0.58%

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.

Everything about Seminole County

Buying

Buying a home in Goldenrod

A typical home in Goldenrod is worth $358,700: 7% below the county and about the same as Florida. With the typical household income in Goldenrod ($67,563 a year), a typical home costs 5.3 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.

  • Goldenrod 5.3 years
  • Seminole 4.5 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Goldenrod 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
  • Goldenrod $358,700
  • Seminole $386,900
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Goldenrod $1,734
  • Seminole $1,783
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Goldenrod $67,563
  • Seminole $85,761
  • Florida $74,568
  • United States $80,734
See the full table
Goldenrod next to Seminole County and Florida
Measure Goldenrod Seminole County Florida U.S.
Typical home value $358,700 $386,900 $359,000 $332,700
Typical monthly rent $1,734 $1,783 $1,669 $1,413
Typical yearly household income $67,563 $85,761 $74,568 $80,734
Households that own their home 48% 66% 68% 65%
Typical yearly property tax $2,088 $2,599 $2,730 $3,119
Effective property tax rate 0.58% 0.67% 0.76% 0.94%
Renters with high rent for their income 61% 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 Goldenrod

For a typical $358,700 home in Goldenrod, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Goldenrod's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,867a month

    Least cash to close
    Down payment
    $12,555
    Cash to close
    $23,316
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $159

  • Conventional, 5% down $2,802a month

    Down payment
    $17,935
    Cash to close
    $28,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $170

  • Conventional, 20% down, no PMI $2,267a month

    Down payment
    $71,740
    Cash to close
    $82,501
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,598a month

    Down payment
    $53,805
    Cash to close
    $64,566
    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 Goldenrod and for Seminole County.

Property tax

Effective rate in Goldenrod

0.58%of the home’s value each year

$2,088 a year for the typical owner in Goldenrod.

  • Goldenrod 0.58%
  • Seminole 0.67%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Seminole County

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

Homes in the high-risk zone
2.8%
4,324
Of those, with NFIP insurance
47%
County Florida U.S.
Homes in the high-risk zone 2.8% 13% 3.5%
Of those, with NFIP insurance 47% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Goldenrod

Typical rent in Goldenrod is $1,734 a month: 3% below the county. In Goldenrod, 61% 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.

HUD fair market rent for all of Seminole 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 Goldenrod

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Goldenrod is in ZIP code 32792.

For 2 bedrooms it is $2,000: $41 more than the fair market rent for Seminole County ($1,959).

  • 32792 $2,000$2,500

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

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.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Goldenrod

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Goldenrod

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

  • Catholic Charities of Central Florida

    1819 N Semoran Blvd, Orlando · 3 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (407) 658-1818

  • Consumer Debt Counselors, Inc

    831 W Morse Blvd, Winter Park · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (800) 820-9232

  • Habitat for Humanity Seminole County Apopka

    251 Maitland Ave Ste 312, Altamonte Springs · 6 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 8 more
    (407) 696-5855

Every agency in Seminole County All counseling agencies in Florida

Help in Spanish near Goldenrod

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 Goldenrod

HUD’s record names them for Goldenrod or Seminole County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Seminole County Housing Authority Public housing and Section 8 vouchers (407) 365-3621

One other authority has an office in Seminole County: see the list Source: HUD

Cities

Other cities in Seminole County

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

Everything about Seminole County Housing in Florida

Nearby cities

The cities closest to Goldenrod, with the typical home value.

Neighboring counties

If Seminole 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 Goldenrod.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Goldenrod

Short answers with the numbers for Goldenrod 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 Goldenrod?

The typical home value in Goldenrod is $358,700, 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 Goldenrod?

Typical rent in Goldenrod is $1,734 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 Goldenrod?

Goldenrod 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 Goldenrod?

The typical homeowner in Goldenrod pays $2,088 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Seminole County, the rate is 0.67%.

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

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.

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).