Español

Este sitio también está en español. Leer en español

City · 43,945 residents · Manatee County, Florida

Lakewood Ranch , Florida

In Lakewood Ranch, a typical home is worth $678,200 and typical rent is $2,299 a month. Compared with all of Manatee County, the typical home value is 73% higher, typical household income is 57% higher, and the share of households that own their home is 6 points higher.

WhatsApp

  • Typical home value

    $678,200

    73% above the county

    89% above Florida

    • Lakewood Ranch
    • Manatee
    • Florida

  • Typical rent

    $2,299a month

    38% above the county

    38% above Florida

    • Lakewood Ranch
    • Manatee
    • Florida

  • Typical household income

    $122,925a year

    57% above the county

    65% above Florida

    • Lakewood Ranch
    • Manatee
    • Florida

  • Households that own their home

    80%

    6 points above the county

    12 points above Florida

    • Lakewood Ranch
    • Manatee
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$589,452
2.6% less than 12 months ago
Typical rent
$2,311 a month
0.5% more than 12 months ago

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

Lakewood Ranch is in Manatee County. The FHA loan limit ($547,400 for a one-unit home), the fair market rents and the help on this page are those of all of Manatee County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lakewood Ranch apart

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

  1. The typical home in Lakewood Ranch is worth $678,200, 73% more than in Manatee County as a whole ($391,400).

  2. Nearby, in Samoset, the typical home value is $196,800: 71% less than in Lakewood Ranch ($678,200).

  3. The typical household income in Lakewood Ranch is $122,925, 57% more than in Manatee County as a whole ($78,457).

  4. Nearby, in Samoset, the typical rent is $1,386: 40% less than in Lakewood Ranch ($2,299).

  5. The typical rent in Lakewood Ranch is $2,299 a month, 38% more than in Manatee County as a whole ($1,671).

  6. 80% of households in Lakewood Ranch own their home, against 74% in Manatee County.

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

The homes here

Housing in Lakewood Ranch

What homes there are in Lakewood Ranch, 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 Lakewood Ranch, 7 in 10 homes are single-family detached houses; in Manatee County, 5.

Year built

The typical home in Lakewood Ranch was built in 2014, 23 years after the typical one in Manatee County.

In Lakewood Ranch, 70% of homes have 3 bedrooms or more, more than in Manatee County (52%).

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

$2,928 a month

Manatee County: $2,079 a month

Without a mortgage

$1,093 a month

Manatee County: $706 a month

Owners with a mortgage

59%

Manatee County: 51%

The typical cost for an owner with a mortgage in Lakewood Ranch is $2,928 a month, more than in Manatee County ($2,079); without one, $1,093.

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 boundaries of Lakewood Ranch changed since 2015–2019, so the Census does not compare its figures from then and now. In Manatee County, the typical home value rose 64%.

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

MeasureLakewood RanchManatee CountyFloridaUnited States
Rental vacancy Unreliable estimate14.1%7.6%5.5%
Homeowner vacancy Unreliable estimate2.0%1.4%0.9%
More than one person per room Unreliable estimate2.5%3.3%3.4%
People per household 2.452.402.512.53
Drive alone 58%70%70%69%
Carpool 6%10%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 32%16%16%15%
Other means 2%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Lakewood Ranch has 2.45 people on average, about the same as in Manatee County (2.40).

In Lakewood Ranch, 32% of workers work from home, more than in Manatee County (16%).

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 Lakewood Ranch?

A typical home costs more than the typical income allows

We start with a typical home in Lakewood Ranch, worth $678,200, 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 Lakewood Ranch, which is $122,925 a year. For that payment to be 28% of income, a household would need to earn about $243,007 a year. Note: at that price the loan is above the FHA limit for Manatee County ($547,400), so FHA would not insure it; the payment is only a reference.

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

Your numbers

Local data
$

Starts at the typical home value in Lakewood Ranch. 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 $23,737 (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

$5,670

at 7.18% · 30 years

Loan amount
$665,916
Total interest
$958,097
Paid off in
November 2056

Includes $11,453 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,868 a month

  • Tight

    $2,868 to $3,688 a month

  • Hard

    more than $3,688 a month

    Your payment · 55%

Compared with the typical household income in Lakewood Ranch ($122,925 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,670
Principal & interest$4,511
Property tax$577
Home insurance$283
FHA mortgage insurance (MIP)$300

This loan is over the FHA limit

You'd borrow $654,463, but the FHA limit for a one-unit home in Lakewood Ranch is $547,400. You'd need a bigger down payment or a different loan.

You need at least $23,737 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

Lakewood Ranch and Manatee County

Lakewood Ranch is in Manatee 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).

Lakewood Ranch's own numbers

Typical home value
$678,200
Typical monthly rent
$2,299
Typical yearly household income
$122,925
Households that own their home
80%
Effective property tax rate
1.02%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Manatee County

FHA limit, one-unit home
$547,400
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,188
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
23%

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 Manatee County.

Everything about Manatee County

Buying

Buying a home in Lakewood Ranch

A typical home in Lakewood Ranch is worth $678,200: 73% above the county and 89% above Florida. With the typical household income in Lakewood Ranch ($122,925 a year), a typical home costs 5.5 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.

  • Lakewood Ranch 5.5 years
  • Manatee 5.0 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Manatee County

According to FHFA’s house price index, home prices in Manatee County rose 130% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Manatee County.

Period County Florida U.S.
Last year (2025) −3.0% −0.5% +2.9%
5 years (2020–2025) +66% +60% +47%
10 years (2015–2025) +130% +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

Lakewood Ranch next to Manatee 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
  • Lakewood Ranch $678,200
  • Manatee $391,400
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Lakewood Ranch $2,299
  • Manatee $1,671
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Lakewood Ranch $122,925
  • Manatee $78,457
  • Florida $74,568
  • United States $80,734
See the full table
Lakewood Ranch next to Manatee County and Florida
Measure Lakewood Ranch Manatee County Florida U.S.
Typical home value $678,200 $391,400 $359,000 $332,700
Typical monthly rent $2,299 $1,671 $1,669 $1,413
Typical yearly household income $122,925 $78,457 $74,568 $80,734
Households that own their home 80% 74% 68% 65%
Typical yearly property tax $6,908 $3,047 $2,730 $3,119
Effective property tax rate 1.02% 0.78% 0.76% 0.94%
Renters with high rent for their income 64% 61% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Manatee 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 Lakewood Ranch

For a typical $678,200 home in Lakewood Ranch, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lakewood Ranch's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,670a month

    Above the FHA limit for Manatee County ($547,400)
    Down payment
    $23,737
    Cash to close
    $44,083
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $300

  • Conventional, 5% down $5,546a month

    Least cash to close
    Down payment
    $33,910
    Cash to close
    $54,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $322

  • Conventional, 20% down, no PMI $4,535a month

    Down payment
    $135,640
    Cash to close
    $155,986
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,162a month

    Down payment
    $101,730
    Cash to close
    $122,076
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Lakewood Ranch and for Manatee County.

Property tax

Effective rate in Lakewood Ranch

1.02%of the home’s value each year

$6,908 a year for the typical owner in Lakewood Ranch.

  • Lakewood Ranch 1.02%
  • Manatee 0.78%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Manatee County

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

Homes in the high-risk zone
23%
37,749
Of those, with NFIP insurance
43%
County Florida U.S.
Homes in the high-risk zone 23% 13% 3.5%
Of those, with NFIP insurance 43% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lakewood Ranch

Typical rent in Lakewood Ranch is $2,299 a month: 38% above the county. In Lakewood Ranch, 64% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Manatee County, by unit size. To pay the 2-bedroom one ($2,188 a month) without spending more than 30% of your income, you would need to earn $42.08 an hour working full time.

HUD fair market rent for all of Manatee 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 $1,749 $33.63 $69,960
1 bedroom $1,876 $36.08 $75,040
2 bedrooms $2,188 $42.08 $87,520
3 bedrooms $2,775 $53.37 $111,000
4 bedrooms $3,309 $63.63 $132,360

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 Lakewood Ranch

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lakewood Ranch has 3 ZIP codes with their own.

For 2 bedrooms it runs from $2,720 in 34211 to $3,130 in 34240.

3 of the 3 are above the fair market rent for Manatee County ($2,188).

  • 34202 $2,800$3,550
  • 34211 $2,720$3,450
  • 34240 $3,130$3,970

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lakewood Ranch 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 Lakewood Ranch

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 Manatee County; 1 says it serves in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Lakewood Ranch

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Lakewood Ranch

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

  • Rooted Communities, Inc.

    8466 Lockwood Ridge Rd, Sarasota · 8 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (941) 809-2231

  • Step Up Suncoast, Inc. F/K/A Manatee Community Action Agency, Inc.

    6428 Parkland Dr, Sarasota · 9 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (941) 827-0118

  • Florida Home Partnership Inc

    201 14th Ave SE, Ruskin · 20 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (813) 672-7860

Every agency in Manatee County All counseling agencies in Florida

Help in Spanish near Lakewood Ranch

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 Lakewood Ranch

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

  • Manatee County Housing Authority Public housing and Section 8 vouchers (941) 756-3974

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

Cities

Other cities in Manatee County

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

Everything about Manatee County Housing in Florida

Nearby cities

The cities closest to Lakewood Ranch, with the typical home value.

Neighboring counties

If Manatee 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 Lakewood Ranch.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Lakewood Ranch

Short answers with the numbers for Lakewood Ranch and all of Manatee 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 Lakewood Ranch?

The typical home value in Lakewood Ranch is $678,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Manatee County it is $391,400.

How much does it cost to rent in Lakewood Ranch?

Typical rent in Lakewood Ranch is $2,299 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Manatee County is $2,188.

What is the FHA loan limit in Lakewood Ranch?

Lakewood Ranch uses the FHA limit for all of Manatee County (2026): $547,400 for a one-unit home and $1,052,700 for a four-unit home.

How much property tax do owners pay in Lakewood Ranch?

The typical homeowner in Lakewood Ranch pays $6,908 a year, according to the U.S. Census Bureau. That is 1.02% of the home’s value; in Manatee County, the rate is 0.78%.

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

There are 2 HUD-approved counseling agencies with an office in Manatee County. 1 says it serves 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).