In Lockhart, a typical home is worth $264,800 and typical rent is $1,658 a month. Compared with all of Orange County, the typical home value is 32% lower, typical household income is 13% lower, and the share of households that own their home is 8 points higher.
Lockhart is in Orange 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 Orange County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Lockhart is worth $264,800,32% less than in Orange County as a whole ($390,100).
2
Nearby, in Fairview Shores, the typical rent is $1,296: 22% less than in Lockhart ($1,658).
3
65% of households in Lockhart own their home, against 57% in Orange County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lockhart
What homes there are in Lockhart, 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
Lockhart
Orange County
Florida
United States
Kind of home: Lockhart and its comparisons
Measure
Lockhart
Orange County
Florida
United States
Detached house
72%
54%
55%
61%
Attached house
6%
8%
7%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
30%
25%
19%
Mobile home
Unreliable estimate
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Lockhart: 72% of homes, more than in Orange County (54%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Lockhart
Orange County
Florida
United States
Year built: Lockhart and its comparisons
Measure
Lockhart
Orange County
Florida
United States
Before 1960
15%
9%
10%
26%
1960–1979
22%
17%
24%
24%
1980–1999
47%
34%
34%
25%
2000–2009
11%
21%
18%
14%
2010 or later
Unreliable estimate
19%
14%
11%
The typical home in Lockhart was built in 1984, 10 years before the typical one in Orange County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K39%
$300K–$500K36%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lockhart and its comparisons
Measure
Lockhart
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
39%
$300K–$500K
36%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49924%
$1,500–$1,99932%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lockhart and its comparisons
Measure
Lockhart
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
24%
$1,500–$1,999
32%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,414 a month
Orange County: $2,055 a month
Without a mortgage
$491 a month
Orange County: $695 a month
Owners with a mortgage
64%
Orange County: 67%
Owning costs less in Lockhart: with a mortgage, the typical cost is $1,414 a month; in Orange County, $2,055. Without one, $491.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lockhart+67%
Orange County+65%
Florida+67%
United States+53%
Typical rent
Lockhart+44%
Orange County+46%
Florida+42%
United States+33%
Typical household income
LockhartNo clear change
Orange County+37%
Florida+34%
United States+29%
Change since 2015–2019: Lockhart and its comparisons
Measure
Lockhart
Orange County
Florida
United States
Typical home value
+67%
+65%
+67%
+53%
Typical rent
+44%
+46%
+42%
+33%
Typical household income
No clear change
+37%
+34%
+29%
The typical home value in Lockhart rose 67% since 2015–2019, about the same as in Orange County (65%).
The typical rent in Lockhart rose 44% since 2015–2019, about the same as in Orange County (46%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lockhart and its comparisons
Measure
Lockhart
Orange County
Florida
United States
Rental vacancy
Unreliable estimate
9.3%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
2.4%
1.4%
0.9%
More than one person per room
Unreliable estimate
3.7%
3.3%
3.4%
People per household
2.79
2.72
2.51
2.53
Drive alone
68%
68%
70%
69%
Carpool
12%
9%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
14%
18%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Lockhart look like those in Orange County: 2.79 people on average.
In Lockhart, 12% of workers share a car to get to work; in Orange County, 9%.
Do the math
What would you pay each month for a home in Lockhart?
A typical home costs more than the typical income allows
We start with a typical home in Lockhart, worth $264,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Lockhart, which is $69,602 a year. For that payment to be 28% of income, a household would need to earn about $91,098 a year.
The calculator's FHA and conventional loan limits are those of all of Orange 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 Lockhart. 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 $9,268 (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
$2,126
at 7.18% · 30 years
Loan amount
$260,004
Total interest
$374,084
Paid off in
November 2056
Includes $4,472 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,624 a month
Tight
$1,624 to $2,088 a month
Hard
more than $2,088 a month
Your payment · 37%
Compared with the typical household income in Lockhart ($69,602 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,761
Property tax
$137
Home insurance
$110
FHA mortgage insurance (MIP)
$117
You need at least $9,268 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 $2,126; principal and interest $1,761.
The city and its county
Lockhart and Orange County
Lockhart is in Orange 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).
Lockhart
Map of Orange County, Florida, with Lockhart marked. Around it, the neighboring counties.
Lockhart
Orange County
Other cities with a page
Lockhart's own numbers
Typical home value
$264,800
Typical monthly rent
$1,658
Typical yearly household income
$69,602
Households that own their home
65%
Effective property tax rate
0.62%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Orange 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)
+56%
Homes in a high flood-risk zone
2.3%
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 Orange County.
A typical home in Lockhart is worth $264,800: 32% below the county and 26% below Florida. With the typical household income in Lockhart ($69,602 a year), a typical home costs 3.8 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.
Lockhart3.8 years
Orange4.9 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Orange County
According to FHFA’s house price index, home prices in Orange County rose 122% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Orange County.
Yearly change in FHFA’s price index in Orange County, 2016 to 2025
2016: +8.9% +8.9% 2016
2017: +9.0% +9.0% 2017
2018: +9.0% +9.0% 2018
2019: +5.7% +5.7% 2019
2020: +4.1% +4.1% 2020
2021: +12.7% +12.7% 2021
2022: +20.1% +20.1% 2022
2023: +8.5% +8.5% 2023
2024: +5.6% +5.6% 2024
2025: +0.8% +0.8% 2025
Change in FHFA’s price index in Orange County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
+0.8%
−0.5%
+2.9%
5 years (2020–2025)
+56%
+60%
+47%
10 years (2015–2025)
+122%
+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
Lockhart next to Orange 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
Lockhart$264,800
Orange$390,100
Florida$359,000
United States$332,700
Typical monthly rent
Lockhart$1,658
Orange$1,775
Florida$1,669
United States$1,413
Typical yearly household income
Lockhart$69,602
Orange$79,719
Florida$74,568
United States$80,734
See the full table
Lockhart next to Orange County and Florida
Measure
Lockhart
Orange County
Florida
U.S.
Typical home value
$264,800 ▼32% below the county
$390,100
$359,000
$332,700
Typical monthly rent
$1,658 ▼7% below the county
$1,775
$1,669
$1,413
Typical yearly household income
$69,602 ▼13% below the county
$79,719
$74,568
$80,734
Households that own their home
65% ▲8 points above the county
57%
68%
65%
Typical yearly property tax
$1,630 ▼45% below the county
$2,967
$2,730
$3,119
Effective property tax rate
0.62% ▼0.14 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
67% ▲8 points above the county
59%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orange 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 Lockhart
For a typical $264,800 home in Lockhart, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lockhart's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,126a month
Least cash to close
Down payment
$9,268
Cash to close
$17,212
Rate
7.18%
Mortgage insurance
FHA MIP · $117
Conventional, 5% down$2,077a month
Down payment
$13,240
Cash to close
$21,184
Rate
7.18%
Mortgage insurance
PMI · $126
Conventional, 20% down, no PMI$1,682a month
Down payment
$52,960
Cash to close
$60,904
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,927a month
Down payment
$39,720
Cash to close
$47,664
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lockhart
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,126
$9,268
$260,004
7.18%
FHA MIP · $117
$17,212
580
Conventional, 5% down
$2,077
$13,240
$251,560
7.18%
PMI · $126
$21,184
620*
Conventional, 20% down, no PMI
$1,682
$52,960
$211,840
7.18%
None
$60,904
620*
ITIN, 15% down (example)
$1,927
$39,720
$225,080
8.18%
None
$47,664
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 Lockhart is $1,658 a month: 7% below the county. In Lockhart, 67% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Orange 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 Orange 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 Lockhart
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lockhart is in ZIP code 32810.
For 2 bedrooms it is $1,860: $99 less than the fair market rent for Orange County ($1,959).
Fair market rent by ZIP code and size in Lockhart, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
32810
$1,570
$1,640
$1,860
$2,320
$2,710
ZIP code2 bd3 bd
32810 $1,860$2,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lockhart 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 10 HUD-approved agencies with an office in Orange County; 7 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Lockhart or Orange County. The ones below are statewide in Florida: they work in Lockhart 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 Lockhart or Orange 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 Lockhart and all of Orange 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 Lockhart?
The typical home value in Lockhart is $264,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $390,100.
How much does it cost to rent in Lockhart?
Typical rent in Lockhart is $1,658 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $1,959.
What is the FHA loan limit in Lockhart?
Lockhart uses the FHA limit for all of Orange 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 Lockhart?
The typical homeowner in Lockhart pays $1,630 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Orange County, the rate is 0.76%.
Where can I find free help to buy or rent in Lockhart?
There are 10 HUD-approved counseling agencies with an office in Orange County. 7 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
