In Kissimmee, a typical home is worth $304,400 and typical rent is $1,647 a month. Compared with all of Osceola County, typical household income is 26% lower, the typical home value is 14% lower, and the share of households that own their home is 19 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $301,764 to $355,424.
Typical rent
$1,926a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,679 to $1,926.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kissimmee is in Osceola 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 Osceola County. See the county
What this place has that others do not, from public data, most unusual first.
1
46% of households in Kissimmee own their home, against 65% in Osceola County.
2
The typical household income in Kissimmee is $53,758,26% less than in Osceola County as a whole ($72,637).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Kissimmee
What homes there are in Kissimmee, 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
Kissimmee
Osceola County
Florida
United States
Kind of home: Kissimmee and its comparisons
Measure
Kissimmee
Osceola County
Florida
United States
Detached house
46%
61%
55%
61%
Attached house
8%
8%
7%
6%
Building of 2 to 4
10%
5%
6%
8%
Apartments (5 or more)
32%
20%
25%
19%
Mobile home
3%
7%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Kissimmee are varied: detached houses are the largest group, at 46%, against 61% in Osceola County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Kissimmee
Osceola County
Florida
United States
Year built: Kissimmee and its comparisons
Measure
Kissimmee
Osceola County
Florida
United States
Before 1960
6%
3%
10%
26%
1960–1979
16%
8%
24%
24%
1980–1999
43%
34%
34%
25%
2000–2009
20%
27%
18%
14%
2010 or later
16%
27%
14%
11%
In Kissimmee, half of the homes were built before 1992; in Osceola County, before 2002.
There are fewer big homes in Kissimmee than in Osceola County: 60% have 3 bedrooms or more, against 71%.
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 $100K9%
$100K–$200K8%
$200K–$300K32%
$300K–$500K44%
$500K–$750K7%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Kissimmee and its comparisons
Measure
Kissimmee
Under $100K
9%
$100K–$200K
8%
$200K–$300K
32%
$300K–$500K
44%
$500K–$750K
7%
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
By price, most homes in Kissimmee sit under the FHA limit for Osceola County ($541,287): about 94%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9995%
$1,000–$1,49932%
$1,500–$1,99935%
$2,000–$2,49918%
$2,500–$2,9996%
$3,000 or moreUnreliable
Monthly rent with utilities: Kissimmee and its comparisons
Measure
Kissimmee
Under $500
Unreliable estimate
$500–$999
5%
$1,000–$1,499
32%
$1,500–$1,999
35%
$2,000–$2,499
18%
$2,500–$2,999
6%
$3,000 or more
Unreliable estimate
With a mortgage
$1,668 a month
Osceola County: $1,877 a month
Without a mortgage
$568 a month
Osceola County: $632 a month
Owners with a mortgage
63%
Osceola County: 69%
The typical cost for an owner with a mortgage in Kissimmee is $1,668 a month, less than in Osceola County ($1,877); without one, $568.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kissimmee+76%
Osceola County+76%
Florida+67%
United States+53%
Typical rent
Kissimmee+44%
Osceola County+42%
Florida+42%
United States+33%
Typical household income
Kissimmee+32%
Osceola County+39%
Florida+34%
United States+29%
Change since 2015–2019: Kissimmee and its comparisons
Measure
Kissimmee
Osceola County
Florida
United States
Typical home value
+76%
+76%
+67%
+53%
Typical rent
+44%
+42%
+42%
+33%
Typical household income
+32%
+39%
+34%
+29%
The typical home value in Kissimmee rose 76% since 2015–2019, about the same as in Osceola County (76%).
The typical rent in Kissimmee rose 44% since 2015–2019, about the same as in Osceola County (42%).
The typical household income in Kissimmee rose 32%: less than home values (+76%) and rent (+44%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kissimmee and its comparisons
Measure
Kissimmee
Osceola County
Florida
United States
Rental vacancy
8.7%
7.0%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
2.1%
1.4%
0.9%
More than one person per room
9.9%
5.3%
3.3%
3.4%
People per household
2.96
2.98
2.51
2.53
Drive alone
66%
71%
70%
69%
Carpool
18%
12%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
10%
13%
16%
15%
Other means
1%
2%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
There is more rental housing open in Kissimmee: 8.7% is empty and offered for rent, against 7.0% in Osceola County.
More households are short on space in Kissimmee: 9.9% have more than one person per room; in Osceola County, 5.3%.
Much as in Osceola County, a household in Kissimmee has 2.96 people on average.
In Kissimmee, 18% of workers share a car to get to work; in Osceola County, 12%.
Do the math
What would you pay each month for a home in Kissimmee?
A typical home costs more than the typical income allows
We start with a typical home in Kissimmee, worth $304,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Kissimmee, which is $53,758 a year. For that payment to be 28% of income, a household would need to earn about $104,939 a year.
The calculator's FHA and conventional loan limits are those of all of Osceola 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 Kissimmee. 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 $10,654 (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
$2,449
at 7.18% · 30 years
Loan amount
$298,887
Total interest
$430,028
Paid off in
November 2056
Includes $5,141 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,254 a month
Tight
$1,254 to $1,613 a month
Hard
more than $1,613 a month
Your payment · 55%
Compared with the typical household income in Kissimmee ($53,758 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,025
Property tax
$162
Home insurance
$127
FHA mortgage insurance (MIP)
$135
You need at least $10,654 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 $2,449; principal and interest $2,025.
The city and its county
Kissimmee and Osceola County
Kissimmee is in Osceola 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).
Kissimmee
Map of Osceola County, Florida, with Kissimmee marked. Around it, the neighboring counties.
Kissimmee
Osceola County
Other cities with a page
Kissimmee's own numbers
Typical home value
$304,400
Typical monthly rent
$1,647
Typical yearly household income
$53,758
Households that own their home
46%
Effective property tax rate
0.64%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Osceola 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)
+60%
Homes in a high flood-risk zone
11%
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 Osceola County.
A typical home in Kissimmee is worth $304,400: 14% below the county and 15% below Florida. With the typical household income in Kissimmee ($53,758 a year), a typical home costs 5.7 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.
Kissimmee5.7 years
Osceola4.9 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Osceola County
According to FHFA’s house price index, home prices in Osceola County rose 143% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Osceola County.
Yearly change in FHFA’s price index in Osceola County, 2016 to 2025
2016: +9.6% +9.6% 2016
2017: +12.1% +12.1% 2017
2018: +8.5% +8.5% 2018
2019: +7.9% +7.9% 2019
2020: +5.5% +5.5% 2020
2021: +13.8% +13.8% 2021
2022: +23.8% +23.8% 2022
2023: +7.4% +7.4% 2023
2024: +5.7% +5.7% 2024
2025: −0.2% −0.2% 2025
Change in FHFA’s price index in Osceola County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−0.2%
−0.5%
+2.9%
5 years (2020–2025)
+60%
+60%
+47%
10 years (2015–2025)
+143%
+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
Kissimmee next to Osceola 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
Kissimmee$304,400
Osceola$353,300
Florida$359,000
United States$332,700
Typical monthly rent
Kissimmee$1,647
Osceola$1,746
Florida$1,669
United States$1,413
Typical yearly household income
Kissimmee$53,758
Osceola$72,637
Florida$74,568
United States$80,734
See the full table
Kissimmee next to Osceola County and Florida
Measure
Kissimmee
Osceola County
Florida
U.S.
Typical home value
$304,400 ▼14% below the county
$353,300
$359,000
$332,700
Typical monthly rent
$1,647 ▼6% below the county
$1,746
$1,669
$1,413
Typical yearly household income
$53,758 ▼26% below the county
$72,637
$74,568
$80,734
Households that own their home
46% ▼19 points below the county
65%
68%
65%
Typical yearly property tax
$1,935 ▼28% below the county
$2,700
$2,730
$3,119
Effective property tax rate
0.64% ▼0.12 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
70% ▲4 points above the county
65%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Osceola 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 Kissimmee
For a typical $304,400 home in Kissimmee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kissimmee's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,449a month
Least cash to close
Down payment
$10,654
Cash to close
$19,786
Rate
7.18%
Mortgage insurance
FHA MIP · $135
Conventional, 5% down$2,393a month
Down payment
$15,220
Cash to close
$24,352
Rate
7.18%
Mortgage insurance
PMI · $145
Conventional, 20% down, no PMI$1,939a month
Down payment
$60,880
Cash to close
$70,012
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,220a month
Down payment
$45,660
Cash to close
$54,792
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kissimmee
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,449
$10,654
$298,887
7.18%
FHA MIP · $135
$19,786
580
Conventional, 5% down
$2,393
$15,220
$289,180
7.18%
PMI · $145
$24,352
620*
Conventional, 20% down, no PMI
$1,939
$60,880
$243,520
7.18%
None
$70,012
620*
ITIN, 15% down (example)
$2,220
$45,660
$258,740
8.18%
None
$54,792
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 Kissimmee is $1,647 a month: 6% below the county. In Kissimmee, 70% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Osceola 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 Osceola 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 Kissimmee
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kissimmee has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,730 in 34744 to $2,090 in 34746.
1 of the 3 is above the fair market rent for Osceola County ($1,959).
2-bedroom fair market rent in each of the 3 ZIP codes of Kissimmee, beside the one for Osceola County. For 2 bedrooms it runs from $1,730 in 34744 to $2,090 in 34746. 1 of the 3 is above the fair market rent for Osceola County ($1,959).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,959
Lowest: $1,730 (34744)Highest: $2,090 (34746)
Fair market rent by ZIP code and size in Kissimmee, fiscal year 2027.
34741
$1,610
$1,670
$1,900
$2,370
$2,770
34744
$1,460
$1,520
$1,730
$2,160
$2,520
34746
$1,770
$1,840
$2,090
$2,610
$3,050
ZIP code2 bd3 bd
34741 $1,900$2,370
34744 $1,730$2,160
34746 $2,090$2,610
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kissimmee 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 Osceola County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Kissimmee or Osceola County. The ones below are statewide in Florida: they work in Kissimmee 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 Kissimmee or Osceola 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 Kissimmee and all of Osceola 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 Kissimmee?
The typical home value in Kissimmee is $304,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Osceola County it is $353,300.
How much does it cost to rent in Kissimmee?
Typical rent in Kissimmee is $1,647 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Osceola County is $1,959.
What is the FHA loan limit in Kissimmee?
Kissimmee uses the FHA limit for all of Osceola 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 Kissimmee?
The typical homeowner in Kissimmee pays $1,935 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in Osceola County, the rate is 0.76%.
Where can I find free help to buy or rent in Kissimmee?
There are 2 HUD-approved counseling agencies with an office in Osceola County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
