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City · 16,675 residents · Lake County, Florida

Lady Lake , Florida

In Lady Lake, a typical home is worth $227,300 and typical rent is $1,387 a month. Compared with all of Lake County, typical household income is 37% lower and the typical home value is 29% lower.

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  • Typical home value

    $227,300

    29% below the county

    37% below Florida

    • Lady Lake
    • Lake
    • Florida

  • Typical rent

    $1,387a month

    13% below the county

    17% below Florida

    • Lady Lake
    • Lake
    • Florida

  • Typical household income

    $46,074a year

    37% below the county

    38% below Florida

    • Lady Lake
    • Lake
    • Florida

  • Households that own their home

    73%

    4 points below the county

    6 points above Florida

    • Lady Lake
    • Lake
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$328,905
1.6% less than 12 months ago
Typical rent
$1,497 a month
2.5% more than 12 months ago

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

Lady Lake 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 Lady Lake apart

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

  1. The typical household income in Lady Lake is $46,074, 37% less than in Lake County as a whole ($73,161).

  2. The typical home in Lady Lake is worth $227,300, 29% less than in Lake County as a whole ($318,400).

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

The homes here

Housing in Lady Lake

What homes there are in Lady Lake, 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

The detached house is still the most common home in Lady Lake, but it weighs less than in Lake County: 50% against 68%.

There are more mobile homes here than in Lake County: 31% of homes, against 16%.

Year built

In Lady Lake, half of the homes were built before 1994; in Lake County, before 1997.

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

With an FHA limit of $541,287, at least 97% of owner-occupied homes in Lady Lake sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,196 a month

Lake County: $1,814 a month

Without a mortgage

$565 a month

Lake County: $584 a month

Owners with a mortgage

46%

Lake County: 56%

Owning costs less in Lady Lake: with a mortgage, the typical cost is $1,196 a month; in Lake County, $1,814. Without one, $565.

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

The typical home value in Lady Lake rose 55% since 2015–2019, less than in Lake County (76%).

The typical rent in Lady Lake rose 34% over the same time; in Lake County, it rose 46%.

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

MeasureLady LakeLake 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 1.812.482.512.53
Drive alone 71%72%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 6%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Lady Lake are smaller: 1.81 people on average; in Lake County, 2.48.

To get to work, 71% of workers in Lady Lake drive alone; 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 Lady Lake?

A typical home costs more than the typical income allows

We start with a typical home in Lady Lake, worth $227,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Lady Lake, which is $46,074 a year. For that payment to be 28% of income, a household would need to earn about $81,607 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 Lady Lake. 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 $7,956 (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

$1,904

at 7.18% · 30 years

Loan amount
$223,183
Total interest
$321,107
Paid off in
November 2056

Includes $3,839 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,075 a month

  • Tight

    $1,075 to $1,382 a month

  • Hard

    more than $1,382 a month

    Your payment · 50%

Compared with the typical household income in Lady Lake ($46,074 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,904
Principal & interest$1,512
Property tax$197
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,956 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

Lady Lake and Lake County

Lady Lake 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).

Lady Lake's own numbers

Typical home value
$227,300
Typical monthly rent
$1,387
Typical yearly household income
$46,074
Households that own their home
73%
Effective property tax rate
1.04%

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 Lady Lake

A typical home in Lady Lake is worth $227,300: 29% below the county and 37% below Florida. With the typical household income in Lady Lake ($46,074 a year), a typical home costs 4.9 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.

  • Lady Lake 4.9 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

Lady Lake 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
  • Lady Lake $227,300
  • Lake $318,400
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Lady Lake $1,387
  • Lake $1,586
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Lady Lake $46,074
  • Lake $73,161
  • Florida $74,568
  • United States $80,734
See the full table
Lady Lake next to Lake County and Florida
Measure Lady Lake Lake County Florida U.S.
Typical home value $227,300 $318,400 $359,000 $332,700
Typical monthly rent $1,387 $1,586 $1,669 $1,413
Typical yearly household income $46,074 $73,161 $74,568 $80,734
Households that own their home 73% 78% 68% 65%
Typical yearly property tax $2,373 $2,433 $2,730 $3,119
Effective property tax rate 1.04% 0.76% 0.76% 0.94%
Renters with high rent for their income 66% 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 Lady Lake

For a typical $227,300 home in Lady Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lady Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,904a month

    Least cash to close
    Down payment
    $7,956
    Cash to close
    $14,775
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $1,862a month

    Down payment
    $11,365
    Cash to close
    $18,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,524a month

    Down payment
    $45,460
    Cash to close
    $52,279
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,734a month

    Down payment
    $34,095
    Cash to close
    $40,914
    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 Lady Lake and for Lake County.

Property tax

Effective rate in Lady Lake

1.04%of the home’s value each year

$2,373 a year for the typical owner in Lady Lake.

  • Lady Lake 1.04%
  • 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 Lady Lake

Typical rent in Lady Lake is $1,387 a month: 13% below the county. In Lady Lake, 66% 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 Lady Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lady Lake is in ZIP code 32159.

For 2 bedrooms it is $1,560: $399 less than the fair market rent for Lake County ($1,959).

  • 32159 $1,560$1,930

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

HUD lists 4 buildings with rents for lower incomes in Lady Lake. These are the largest.

  • Cove at Lady Lake 735 N US Hwy 441, Lady Lake 32159 176 low-income homes · 1 bd: 32 · 2 bd: 80 · 3 bd: 32 · 4 bd: 32 · In service since 2006 · For families
  • Rolling Acres I 824 County Road 466, Lady Lake 32159 104 low-income homes · 1 bd: 4 · 2 bd: 18 · 3 bd: 30 · In service since 2008 · For families
  • Lakewood Villas of Lady Lake 306 S Old Dixie Hwy, Lady Lake 32159 36 low-income homes · In service since 1994
  • Rolling Acres II 824 County Road 466, Lady Lake 32159 35 low-income homes · 1 bd: 18 · 2 bd: 17 · In service since 2008 · For older adults, families

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

Free help

Help to buy or rent in Lady Lake

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Lady Lake

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Lady Lake

The HUD-approved agencies closest to the center of Lady Lake, 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 · 15 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 · 16 miles away · Spanish

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

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

    1610 SE 36th Ave, Ocala · 20 miles away · Spanish

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

Every agency in Lake County All counseling agencies in Florida

Help in Spanish near Lady Lake

3 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 Lady Lake

HUD’s record names them for Lady Lake 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 Lady Lake, 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 Lady Lake.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Lady Lake

Short answers with the numbers for Lady Lake 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 Lady Lake?

The typical home value in Lady Lake is $227,300, 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 Lady Lake?

Typical rent in Lady Lake is $1,387 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 Lady Lake?

Lady Lake 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 Lady Lake?

The typical homeowner in Lady Lake pays $2,373 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Lake County, the rate is 0.76%.

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

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).