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City · 22,012 residents · Lake County, Florida

Groveland , Florida

In Groveland, a typical home is worth $365,800 and typical rent is $1,732 a month. Compared with all of Lake County, typical household income is 37% higher, the typical home value is 15% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $365,800

    15% above the county

    About the same as Florida

    • Groveland
    • Lake
    • Florida

  • Typical rent

    $1,732a month

    9% above the county

    4% above Florida

    • Groveland
    • Lake
    • Florida

  • Typical household income

    $100,226a year

    37% above the county

    34% above Florida

    • Groveland
    • Lake
    • Florida

  • Households that own their home

    87%

    9 points above the county

    19 points above Florida

    • Groveland
    • Lake
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$367,343
3% less than 12 months ago
Typical rent
$2,341 a month
2.6% more than 12 months ago

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

Groveland 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Groveland apart

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

  1. Groveland has the 10th smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (40%).

  2. Nearby, in Leesburg, the typical home value is $228,600: 38% less than in Groveland ($365,800).

  3. The typical household income in Groveland is $100,226, 37% more than in Lake County as a whole ($73,161).

  4. Nearby, in Leesburg, the typical rent is $1,258: 27% less than in Groveland ($1,732).

  5. 87% of households in Groveland own their home, against 78% in Lake County.

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

The homes here

Housing in Groveland

What homes there are in Groveland, 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 Groveland, 9 in 10 homes are single-family detached houses; in Lake County, 7.

Year built

The typical home in Groveland was built in 2010, 13 years after the typical one in Lake County.

In Groveland, 79% of homes have 3 bedrooms or more, more than in Lake County (62%).

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

$2,024 a month

Lake County: $1,814 a month

Without a mortgage

$618 a month

Lake County: $584 a month

Owners with a mortgage

72%

Lake County: 56%

The typical cost for an owner with a mortgage in Groveland is $2,024 a month, more than in Lake County ($1,814); without one, $618.

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 Groveland gained value faster than in Lake County: 84% against 76%.

Since 2015–2019, the typical rent in Groveland did not change clearly, according to the Census.

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

MeasureGrovelandLake CountyFloridaUnited States
Rental vacancy Unreliable estimate10.3%7.6%5.5%
Homeowner vacancy Unreliable estimate1.8%1.4%0.9%
More than one person per room Unreliable estimate1.9%3.3%3.4%
People per household 2.712.482.512.53
Drive alone 75%72%70%69%
Carpool 8%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 16%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Groveland are bigger: 2.71 people on average; in Lake County, 2.48.

In Groveland, 75% of workers drive alone to work; in Lake County, 72%.

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 Groveland?

A typical home costs more than the typical income allows

We start with a typical home in Groveland, worth $365,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Groveland, which is $100,226 a year. For that payment to be 28% of income, a household would need to earn about $129,633 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Groveland. 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 $12,803 (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

$3,025

at 7.18% · 30 years

Loan amount
$359,174
Total interest
$516,768
Paid off in
November 2056

Includes $6,177 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,339 a month

  • Tight

    $2,339 to $3,007 a month

  • Hard

    more than $3,007 a month

    Your payment · 36%

Compared with the typical household income in Groveland ($100,226 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,025
Principal & interest$2,433
Property tax$277
Home insurance$152
FHA mortgage insurance (MIP)$162

You need at least $12,803 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

Groveland and Lake County

Groveland 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).

Groveland's own numbers

Typical home value
$365,800
Typical monthly rent
$1,732
Typical yearly household income
$100,226
Households that own their home
87%
Effective property tax rate
0.91%

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.

Everything about Lake County

Buying

Buying a home in Groveland

A typical home in Groveland is worth $365,800: 15% above the county and about the same as Florida. With the typical household income in Groveland ($100,226 a year), a typical home costs 3.6 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.

  • Groveland 3.6 years
  • Lake 4.4 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Groveland 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
  • Groveland $365,800
  • Lake $318,400
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Groveland $1,732
  • Lake $1,586
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Groveland $100,226
  • Lake $73,161
  • Florida $74,568
  • United States $80,734
See the full table
Groveland next to Lake County and Florida
Measure Groveland Lake County Florida U.S.
Typical home value $365,800 $318,400 $359,000 $332,700
Typical monthly rent $1,732 $1,586 $1,669 $1,413
Typical yearly household income $100,226 $73,161 $74,568 $80,734
Households that own their home 87% 78% 68% 65%
Typical yearly property tax $3,320 $2,433 $2,730 $3,119
Effective property tax rate 0.91% 0.76% 0.76% 0.94%
Renters with high rent for their income 40% 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 Groveland

For a typical $365,800 home in Groveland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Groveland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,025a month

    Least cash to close
    Down payment
    $12,803
    Cash to close
    $23,777
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $162

  • Conventional, 5% down $2,958a month

    Down payment
    $18,290
    Cash to close
    $29,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $174

  • Conventional, 20% down, no PMI $2,412a month

    Down payment
    $73,160
    Cash to close
    $84,134
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,750a month

    Down payment
    $54,870
    Cash to close
    $65,844
    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 Groveland and for Lake County.

Property tax

Effective rate in Groveland

0.91%of the home’s value each year

$3,320 a year for the typical owner in Groveland.

  • Groveland 0.91%
  • Lake 0.76%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Lake County

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

Homes in the high-risk zone
4.5%
6,862
Of those, with NFIP insurance
24%
County Florida U.S.
Homes in the high-risk zone 4.5% 13% 3.5%
Of those, with NFIP insurance 24% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Groveland

Typical rent in Groveland is $1,732 a month: 9% above the county. In Groveland, 40% 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.

HUD fair market rent for all of Lake 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 Groveland

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

For 2 bedrooms it runs from $1,890 in 34736 to $2,040 in 34737.

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

  • 34736 $1,890$2,360
  • 34737 $2,040$2,550

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

Low-income apartments

Low-income apartments in Groveland

HUD lists one building with rents for lower incomes in Groveland.

  • Greenleaf Village 162 Jim Payne Rd, Groveland 34736 37 low-income homes · 1 bd: 32 · 2 bd: 5 · In service since 1995 · For families

See all 41 buildings in Lake County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Groveland

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.

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

HUD counseling is free or low-cost

Assistance programs in Groveland

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Groveland

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

  • Community Legal Services of Mid-Florida, Inc. - Tavares Office

    226 W Main St, Tavares · 12 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • Homes in Partnership, Inc.

    1140 S Grove St, Eustis · 15 miles away · Spanish

    • Budget and financial counseling
    • Workshops for new owners
    • and 3 more
    (407) 886-2451

  • Operation Hope - Orlando Branch

    5025 W COLONIAL DRIVE, Orlando · 22 miles away

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

Every agency in Lake County All counseling agencies in Florida

Help in Spanish near Groveland

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 Groveland

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

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

Cities

Other cities in Lake County

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

Everything about Lake County Housing in Florida

Nearby cities

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

Neighboring counties

If Lake 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 Groveland.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Groveland

Short answers with the numbers for Groveland 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 Groveland?

The typical home value in Groveland is $365,800, 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 Groveland?

Typical rent in Groveland is $1,732 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 Groveland?

Groveland 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 Groveland?

The typical homeowner in Groveland pays $3,320 a year, according to the U.S. Census Bureau. That is 0.91% of the home’s value; in Lake County, the rate is 0.76%.

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

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.

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).