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City · 23,364 residents · Orange County, Florida

Oak Ridge , Florida

In Oak Ridge, a typical home is worth $280,200 and typical rent is $1,466 a month. Compared with all of Orange County, typical household income is 31% lower, the typical home value is 28% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $280,200

    28% below the county

    22% below Florida

    • Oak Ridge
    • Orange
    • Florida

  • Typical rent

    $1,466a month

    17% below the county

    12% below Florida

    • Oak Ridge
    • Orange
    • Florida

  • Typical household income

    $54,685a year

    31% below the county

    27% below Florida

    • Oak Ridge
    • Orange
    • Florida

  • Households that own their home

    34%

    23 points below the county

    34 points below Florida

    • Oak Ridge
    • Orange
    • Florida

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

Oak Ridge 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Oak Ridge apart

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

  1. Oak Ridge has the 7th lowest homeownership rate of the 481 cities in Florida with more than 5,000 people (34%).

  2. The typical household income in Oak Ridge is $54,685, 31% less than in Orange County as a whole ($79,719).

  3. The typical home in Oak Ridge is worth $280,200, 28% less than in Orange County as a whole ($390,100).

  4. The typical rent in Oak Ridge is $1,466 a month, 17% less than in Orange County as a whole ($1,775).

  5. 10% of households in Oak Ridge have no internet at home (4% in Orange County).

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

The homes here

Housing in Oak Ridge

What homes there are in Oak Ridge, 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 Oak Ridge, the apartment is the most common kind of home: 46%, against 30% in Orange County.

Year built

In Oak Ridge, half of the homes were built before 1981; in Orange County, before 1994.

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

$1,670 a month

Orange County: $2,055 a month

Without a mortgage

$480 a month

Orange County: $695 a month

Owners with a mortgage

58%

Orange County: 67%

Owning costs less in Oak Ridge: with a mortgage, the typical cost is $1,670 a month; in Orange County, $2,055. Without one, $480.

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

From 2015–2019 to 2020–2024, the typical home value in Oak Ridge rose 115%; in Orange County, it rose 65%.

Rents in Oak Ridge rose more slowly than in Orange County: 38% since 2015–2019, against 46%.

The typical household income in Oak Ridge rose 43% over that time; home values changed +115% and rent +38%.

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

MeasureOak RidgeOrange CountyFloridaUnited States
Rental vacancy 9.6%9.3%7.6%5.5%
Homeowner vacancy Unreliable estimate2.4%1.4%0.9%
More than one person per room 10.2%3.7%3.3%3.4%
People per household 2.932.722.512.53
Drive alone 62%68%70%69%
Carpool 17%9%9%9%
Public transit 5%1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate18%16%15%
Other means 5%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Oak Ridge look like those in Orange County: the rental vacancy rate is 9.6%.

More than one person per room: that is how 10.2% of households in Oak Ridge live, more than in Orange County (3.7%).

More people live in each home here: 2.93 on average, against 2.72 in Orange County.

Carpooling is common in Oak Ridge: 17% of workers get to work that way, against 9% in Orange County.

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 Oak Ridge?

A typical home costs more than the typical income allows

We start with a typical home in Oak Ridge, worth $280,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Oak Ridge, which is $54,685 a year. For that payment to be 28% of income, a household would need to earn about $96,096 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oak Ridge. 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 $9,807 (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

$2,242

at 7.18% · 30 years

Loan amount
$275,125
Total interest
$395,840
Paid off in
November 2056

Includes $4,732 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,276 a month

  • Tight

    $1,276 to $1,641 a month

  • Hard

    more than $1,641 a month

    Your payment · 49%

Compared with the typical household income in Oak Ridge ($54,685 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,242
Principal & interest$1,864
Property tax$138
Home insurance$117
FHA mortgage insurance (MIP)$124

You need at least $9,807 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

Oak Ridge and Orange County

Oak Ridge 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).

Oak Ridge's own numbers

Typical home value
$280,200
Typical monthly rent
$1,466
Typical yearly household income
$54,685
Households that own their home
34%
Effective property tax rate
0.59%

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.

Everything about Orange County

Buying

Buying a home in Oak Ridge

A typical home in Oak Ridge is worth $280,200: 28% below the county and 22% below Florida. With the typical household income in Oak Ridge ($54,685 a year), a typical home costs 5.1 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.

  • Oak Ridge 5.1 years
  • Orange 4.9 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Oak Ridge 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
  • Oak Ridge $280,200
  • Orange $390,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Oak Ridge $1,466
  • Orange $1,775
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Oak Ridge $54,685
  • Orange $79,719
  • Florida $74,568
  • United States $80,734
See the full table
Oak Ridge next to Orange County and Florida
Measure Oak Ridge Orange County Florida U.S.
Typical home value $280,200 $390,100 $359,000 $332,700
Typical monthly rent $1,466 $1,775 $1,669 $1,413
Typical yearly household income $54,685 $79,719 $74,568 $80,734
Households that own their home 34% 57% 68% 65%
Typical yearly property tax $1,659 $2,967 $2,730 $3,119
Effective property tax rate 0.59% 0.76% 0.76% 0.94%
Renters with high rent for their income 58% 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 Oak Ridge

For a typical $280,200 home in Oak Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oak Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,242a month

    Least cash to close
    Down payment
    $9,807
    Cash to close
    $18,213
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $124

  • Conventional, 5% down $2,191a month

    Down payment
    $14,010
    Cash to close
    $22,416
    Rate
    7.18%
    Mortgage insurance
    PMI · $133

  • Conventional, 20% down, no PMI $1,773a month

    Down payment
    $56,040
    Cash to close
    $64,446
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,032a month

    Down payment
    $42,030
    Cash to close
    $50,436
    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 Oak Ridge and for Orange County.

Property tax

Effective rate in Oak Ridge

0.59%of the home’s value each year

$1,659 a year for the typical owner in Oak Ridge.

  • Oak Ridge 0.59%
  • Orange 0.76%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Orange County

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

Homes in the high-risk zone
2.3%
9,209
Of those, with NFIP insurance
44%
County Florida U.S.
Homes in the high-risk zone 2.3% 13% 3.5%
Of those, with NFIP insurance 44% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oak Ridge

Typical rent in Oak Ridge is $1,466 a month: 17% below the county. In Oak Ridge, 58% 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.

HUD fair market rent for all of Orange 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 Oak Ridge

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

For 2 bedrooms it runs from $1,600 in 32809 to $1,820 in 32839.

None is above the fair market rent for Orange County ($1,959).

  • 32809 $1,600$2,000
  • 32839 $1,820$2,270

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

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Oak Ridge

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Oak Ridge

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

  • Incharge Debt Solutions

    5750 Major Blvd, Orlando · 2 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (877) 712-6040

  • Greenpath Financial Wellness

    121 S Orange Ave, Orlando · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (813) 374-2251

  • Operation Hope - Orlando Branch

    5025 W COLONIAL DRIVE, Orlando · 6 miles away

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

Every agency in Orange County All counseling agencies in Florida

Help in Spanish near Oak Ridge

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 Oak Ridge

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

  • Orange County Housing & Community Development Section 8 vouchers (407) 836-5150

2 other authorities have an office in Orange County: see the list Source: HUD

Cities

Other cities in Orange County

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

Everything about Orange County Housing in Florida
See 16 more cities in Orange County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Oak Ridge, with the typical home value.

Neighboring counties

If Orange 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 Oak Ridge.

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

Questions

Housing questions about Oak Ridge

Short answers with the numbers for Oak Ridge 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 Oak Ridge?

The typical home value in Oak Ridge is $280,200, 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 Oak Ridge?

Typical rent in Oak Ridge is $1,466 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 Oak Ridge?

Oak Ridge 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 Oak Ridge?

The typical homeowner in Oak Ridge pays $1,659 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Orange County, the rate is 0.76%.

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

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.

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).