In Orlando, a typical home is worth $394,100 and typical rent is $1,747 a month. Compared with all of Orange County, typical household income is 9% lower and the share of households that own their home is 17 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $304,711 to $372,775.
Typical rent
$1,889a month
▲ 1% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,631 to $1,889.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Orlando 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
Orlando has the 13th lowest homeownership rate of the 481 cities in Florida with more than 5,000 people (40%).
2
Nearby, in Sky Lake, the typical home value is $280,400: 29% less than in Orlando ($394,100).
3
Nearby, in Pine Castle, the typical rent is $1,361: 22% less than in Orlando ($1,747).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Orlando
What homes there are in Orlando, 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
Orlando
Orange County
Florida
United States
Kind of home: Orlando and its comparisons
Measure
Orlando
Orange County
Florida
United States
Detached house
32%
54%
55%
61%
Attached house
10%
8%
7%
6%
Building of 2 to 4
9%
5%
6%
8%
Apartments (5 or more)
50%
30%
25%
19%
Mobile home
Unreliable estimate
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
There are more apartments in Orlando than in Orange County: 50% of homes, against 30%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Orlando
Orange County
Florida
United States
Year built: Orlando and its comparisons
Measure
Orlando
Orange County
Florida
United States
Before 1960
13%
9%
10%
26%
1960–1979
19%
17%
24%
24%
1980–1999
27%
34%
34%
25%
2000–2009
21%
21%
18%
14%
2010 or later
20%
19%
14%
11%
In Orlando, half of the homes were built before 1992; in Orange County, before 1994.
Homes in Orlando are smaller: 40% have 3 bedrooms or more; in Orange County, 61%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K3%
$100K–$200K12%
$200K–$300K17%
$300K–$500K36%
$500K–$750K17%
FHA limit: $541,287
$750K–$1M8%
$1M or more6%
Value of owner-occupied homes: Orlando and its comparisons
Measure
Orlando
Under $100K
3%
$100K–$200K
12%
$200K–$300K
17%
$300K–$500K
36%
$500K–$750K
17%
$750K–$1M
8%
$1M or more
6%
By price, most homes in Orlando sit under the FHA limit for Orange County ($541,287): about 72%.
Monthly rent with utilities
Under the limitOver the limit
Under $5003%
$500–$9995%
$1,000–$1,49924%
$1,500–$1,99937%
HUD fair market rent, 2 bedrooms: $1,959
$2,000–$2,49921%
$2,500–$2,9996%
$3,000 or more4%
Monthly rent with utilities: Orlando and its comparisons
Measure
Orlando
Under $500
3%
$500–$999
5%
$1,000–$1,499
24%
$1,500–$1,999
37%
$2,000–$2,499
21%
$2,500–$2,999
6%
$3,000 or more
4%
About 66% of rented homes in Orlando cost less than HUD's 2-bedroom fair market rent for Orange County ($1,959); the rest cost more.
With a mortgage
$2,231 a month
Orange County: $2,055 a month
Without a mortgage
$764 a month
Orange County: $695 a month
Owners with a mortgage
67%
Orange County: 67%
In Orlando, 67% of owners have a mortgage, and their typical cost is $2,231 a month, against $2,055 in Orange County. Without one it drops to $764.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Orlando+64%
Orange County+65%
Florida+67%
United States+53%
Typical rent
Orlando+46%
Orange County+46%
Florida+42%
United States+33%
Typical household income
Orlando+40%
Orange County+37%
Florida+34%
United States+29%
Change since 2015–2019: Orlando and its comparisons
Measure
Orlando
Orange County
Florida
United States
Typical home value
+64%
+65%
+67%
+53%
Typical rent
+46%
+46%
+42%
+33%
Typical household income
+40%
+37%
+34%
+29%
The typical home value in Orlando rose 64% since 2015–2019, about the same as in Orange County (65%).
Rents in Orlando rose at about the same pace as in Orange County: 46% since 2015–2019, against 46%.
The typical household income in Orlando rose 40%: less than home values (+64%) and rent (+46%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Orlando and its comparisons
Measure
Orlando
Orange County
Florida
United States
Rental vacancy
7.8%
9.3%
7.6%
5.5%
Homeowner vacancy
2.7%
2.4%
1.4%
0.9%
More than one person per room
4.1%
3.7%
3.3%
3.4%
People per household
2.41
2.72
2.51
2.53
Drive alone
68%
68%
70%
69%
Carpool
9%
9%
9%
9%
Public transit
2%
1%
1%
3%
Walk or bike
2%
2%
2%
3%
Work from home
16%
18%
16%
15%
Other means
3%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Orlando is 7.8%, lower than in Orange County (9.3%).
More than one person per room: that is how 4.1% of households in Orlando live, near the figure in Orange County (3.7%).
On average, a household in Orlando has 2.41 people, fewer than in Orange County (2.72).
To get to work, 68% of workers in Orlando drive alone; in Orange County, 68%.
Do the math
What would you pay each month for a home in Orlando?
A typical home costs more than the typical income allows
We start with a typical home in Orlando, worth $394,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Orlando, which is $72,336 a year. For that payment to be 28% of income, a household would need to earn about $138,396 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 Orlando. 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 $13,794 (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
$3,229
at 7.18% · 30 years
Loan amount
$386,961
Total interest
$556,747
Paid off in
November 2056
Includes $6,655 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,688 a month
Tight
$1,688 to $2,170 a month
Hard
more than $2,170 a month
Your payment · 54%
Compared with the typical household income in Orlando ($72,336 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,621
Property tax
$269
Home insurance
$164
FHA mortgage insurance (MIP)
$174
You need at least $13,794 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 $3,229; principal and interest $2,621.
The city and its county
Orlando and Orange County
Orlando 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).
Orlando
Map of Orange County, Florida, with Orlando marked. Around it, the neighboring counties.
Orlando
Orange County
Other cities with a page
Orlando's own numbers
Typical home value
$394,100
Typical monthly rent
$1,747
Typical yearly household income
$72,336
Households that own their home
40%
Effective property tax rate
0.82%
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 Orlando is worth $394,100: about the same as the county and 10% above Florida. With the typical household income in Orlando ($72,336 a year), a typical home costs 5.4 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.
Orlando5.4 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
Orlando 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
Orlando$394,100
Orange$390,100
Florida$359,000
United States$332,700
Typical monthly rent
Orlando$1,747
Orange$1,775
Florida$1,669
United States$1,413
Typical yearly household income
Orlando$72,336
Orange$79,719
Florida$74,568
United States$80,734
See the full table
Orlando next to Orange County and Florida
Measure
Orlando
Orange County
Florida
U.S.
Typical home value
$394,100
$390,100
$359,000
$332,700
Typical monthly rent
$1,747
$1,775
$1,669
$1,413
Typical yearly household income
$72,336 ▼9% below the county
$79,719
$74,568
$80,734
Households that own their home
40% ▼17 points below the county
57%
68%
65%
Typical yearly property tax
$3,213 ▲8% above the county
$2,967
$2,730
$3,119
Effective property tax rate
0.82% ▲0.06 points above the county
0.76%
0.76%
0.94%
Renters with high rent for their income
58% ▼1 points below 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 Orlando
For a typical $394,100 home in Orlando, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orlando's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,229a month
Least cash to close
Down payment
$13,794
Cash to close
$25,617
Rate
7.18%
Mortgage insurance
FHA MIP · $174
Conventional, 5% down$3,157a month
Down payment
$19,705
Cash to close
$31,528
Rate
7.18%
Mortgage insurance
PMI · $187
Conventional, 20% down, no PMI$2,569a month
Down payment
$78,820
Cash to close
$90,643
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,934a month
Down payment
$59,115
Cash to close
$70,938
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Orlando
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,229
$13,794
$386,962
7.18%
FHA MIP · $174
$25,617
580
Conventional, 5% down
$3,157
$19,705
$374,395
7.18%
PMI · $187
$31,528
620*
Conventional, 20% down, no PMI
$2,569
$78,820
$315,280
7.18%
None
$90,643
620*
ITIN, 15% down (example)
$2,934
$59,115
$334,985
8.18%
None
$70,938
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 Orlando is $1,747 a month: about the same as the county. In Orlando, 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.
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 Orlando
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orlando has 7 ZIP codes with their own.
For 2 bedrooms it runs from $1,370 in 32805 to $2,660 in 32814.
6 of the 7 are above the fair market rent for Orange County ($1,959).
2-bedroom fair market rent in each of the 7 ZIP codes of Orlando, beside the one for Orange County. For 2 bedrooms it runs from $1,370 in 32805 to $2,660 in 32814. 6 of the 7 are above the fair market rent for Orange 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: $1,370 (32805)Highest: $2,660 (32814)
Fair market rent by ZIP code and size in Orlando, fiscal year 2027.
32801
$1,790
$1,860
$2,110
$2,630
$3,080
32803
$1,960
$2,040
$2,310
$2,880
$3,370
32804
$1,700
$1,770
$2,010
$2,510
$2,930
32805
$1,150
$1,210
$1,370
$1,730
$2,090
32811
$1,670
$1,740
$1,970
$2,460
$2,870
32814
$2,250
$2,340
$2,660
$3,320
$3,880
32827
$2,190
$2,280
$2,590
$3,230
$3,780
ZIP code2 bd3 bd
32801 $2,110$2,630
32803 $2,310$2,880
32804 $2,010$2,510
32805 $1,370$1,730
32811 $1,970$2,460
32814 $2,660$3,320
32827 $2,590$3,230
4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Orlando 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)
HUD lists 131 buildings with rents for lower incomes in Orlando. These are the largest.
Woodhill7201 Woodhill Park Dr, Orlando 32818450 low-income homes · 1 bd: 45 · 2 bd: 256 · 3 bd: 149 · In service since 1996 · For families
Pinnacle Cove13513 Inlet Ln, Orlando 32824420 low-income homes · 1 bd: 36 · 2 bd: 216 · 3 bd: 144 · 4 bd: 24 · In service since 2002 · For families
Willow Key5590 Arnold Palmer Dr, Orlando 32811384 low-income homes · 2 bd: 196 · 3 bd: 148 · 4 bd: 40 · In service since 1999 · For families
Retreat at Valencia8413 Valencia Village Ln, Orlando 32825336 low-income homes · 1 bd: 92 · 2 bd: 132 · 3 bd: 72 · 4 bd: 40 · In service since 2001 · For families
Buena Vista Point11856 Reedy Creek Dr, Orlando 32836324 low-income homes · 1 bd: 72 · 2 bd: 204 · 3 bd: 48 · In service since 1994 · For families
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 Orlando or Orange County. The ones below are statewide in Florida: they work in Orlando 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 Orlando 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 Orlando 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 Orlando?
The typical home value in Orlando is $394,100, 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 Orlando?
Typical rent in Orlando is $1,747 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 Orlando?
Orlando 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 Orlando?
The typical homeowner in Orlando pays $3,213 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Orange County, the rate is 0.76%.
Where can I find free help to buy or rent in Orlando?
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.
