Renting · Section 8
Data from November 2026
Renting in Osceola County, Florida
Osceola County has a HUD fair market rent of $1,959 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,746 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $37.67 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,959
- a month, HUD, Fiscal year 2027
- About the same as in Florida
- Typical rent
- $1,746
- a month, Census, Average 2020–2024
- 5% more than in Florida
- Wage needed
- $37.67
- an hour, 2 bedrooms
- Or $78,360 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 65%
- spend 30% or more of income on rent
- 9% more than in Florida
Only here
Renting in Osceola County: what sets it apart
What this place has that others do not, from public data, most unusual first.
-
Osceola County has the largest share of rent-burdened renters of the 66 counties in Florida with this figure: 65%.
-
Among the neighboring counties, Okeechobee County has the lowest typical rent ($1,082), 38% below the $1,746 in Osceola County.
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Osceola County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Osceola County was $1,988 a month in September 2026: about the same as 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| 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 |
HUD area: Orlando-Kissimmee-Sanford, FL MSA. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 14 ZIP codes in Osceola County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,650 in 34769 to $2,490 in 34773. 10 ZIP codes are above the county's fair market rent ($1,959).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 33848 | Orlando-Kissimmee-Sanford, FL | $1,820 | $1,910 | $2,210 | $2,840 | $3,360 |
|---|---|---|---|---|---|---|
| 33896 | Lakeland-Winter Haven, FL | $1,900 | $2,010 | $2,390 | $3,220 | $3,880 |
| 33896 | Orlando-Kissimmee-Sanford, FL | $1,900 | $2,010 | $2,390 | $3,220 | $3,880 |
| 34739 | Orlando-Kissimmee-Sanford, FL | $1,440 | $1,510 | $1,770 | $2,270 | $2,700 |
| 34741 | Orlando-Kissimmee-Sanford, FL | $1,610 | $1,670 | $1,900 | $2,370 | $2,770 |
| 34743 | Orlando-Kissimmee-Sanford, FL | $1,720 | $1,790 | $2,030 | $2,530 | $2,960 |
| 34744 | Orlando-Kissimmee-Sanford, FL | $1,460 | $1,520 | $1,730 | $2,160 | $2,520 |
| 34746 | Orlando-Kissimmee-Sanford, FL | $1,770 | $1,840 | $2,090 | $2,610 | $3,050 |
| 34747 | Orlando-Kissimmee-Sanford, FL | $1,790 | $1,860 | $2,110 | $2,630 | $3,080 |
| 34758 | Orlando-Kissimmee-Sanford, FL | $1,780 | $1,850 | $2,100 | $2,620 | $3,060 |
| 34769 | Orlando-Kissimmee-Sanford, FL | $1,400 | $1,450 | $1,650 | $2,060 | $2,410 |
| 34771 | Orlando-Kissimmee-Sanford, FL | $1,730 | $1,800 | $2,040 | $2,550 | $2,970 |
| 34772 | Orlando-Kissimmee-Sanford, FL | $1,910 | $1,990 | $2,260 | $2,820 | $3,290 |
| 34773 | Orlando-Kissimmee-Sanford, FL | $2,080 | $2,180 | $2,490 | $3,120 | $3,690 |
- 33848 · Orlando-Kissimmee-Sanford, FL $2,210$2,840
- 33896 · Lakeland-Winter Haven, FL $2,390$3,220
- 33896 · Orlando-Kissimmee-Sanford, FL $2,390$3,220
- 34739 · Orlando-Kissimmee-Sanford, FL $1,770$2,270
- 34741 · Orlando-Kissimmee-Sanford, FL $1,900$2,370
- 34743 · Orlando-Kissimmee-Sanford, FL $2,030$2,530
- 34744 · Orlando-Kissimmee-Sanford, FL $1,730$2,160
- 34746 · Orlando-Kissimmee-Sanford, FL $2,090$2,610
- 34747 · Orlando-Kissimmee-Sanford, FL $2,110$2,630
- 34758 · Orlando-Kissimmee-Sanford, FL $2,100$2,620
- 34769 · Orlando-Kissimmee-Sanford, FL $1,650$2,060
- 34771 · Orlando-Kissimmee-Sanford, FL $2,040$2,550
- 34772 · Orlando-Kissimmee-Sanford, FL $2,260$2,820
- 34773 · Orlando-Kissimmee-Sanford, FL $2,490$3,120
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Osceola County, 65% of renter households are in that position; in Florida, 60%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
65%
of renter households spend 30% or more of their income on rent.
49,507 households rent in Osceola County
- Spend half or more of their income 35%
- Spend 30% or more, but less than half 30%
- Spend less than 30% 35%
Compared with the state and the country
- Osceola 65%
- Florida 60%
- United States 51%
Low-income apartments
Low-income apartments in Osceola County
HUD lists 35 properties with homes for low-income households in Osceola County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 32
- HUD-assisted
- 4
6,193 homes in all; 5,515 of them low-income, according to HUD.
- Cobblestone Tax credit (LIHTC) 1100 Cobblestone Cir, Kissimmee 34744 421 homes, 420 low-income · 1 bd: 48 · 2 bd: 181 · 3 bd: 144 · 4 bd: 48 · In service since 2002
- Grande Court at Boggy Creek Tax credit (LIHTC) 1401 Grande Blvd, Kissimmee 34743 394 low-income homes · 1 bd: 118 · 2 bd: 192 · 3 bd: 84 · In service since 2004
- Wellington Woods Tax credit (LIHTC) 2404 Abby Dr, Kissimmee 34741 360 low-income homes · In service since 1994
- Regatta Bay Tax credit (LIHTC) 801 Coastal Bay Ln, Kissimmee 34741 344 homes, 343 low-income · 1 bd: 80 · 2 bd: 160 · 3 bd: 64 · 4 bd: 40 · In service since 2003 · For families
- Walden Park Tax credit (LIHTC) 2103 Walden Park Cir, Kissimmee 34744 300 low-income homes · 1 bd: 48 · 2 bd: 160 · 3 bd: 92 · In service since 2002 · For families
- Kensington of Kissimmee Tax credit (LIHTC) 1700 Kenyon Cir, Kissimmee 34741 289 low-income homes · 1 bd: 24 · 2 bd: 121 · 3 bd: 108 · 4 bd: 36 · In service since 1999 · For families
- Reef Club I Tax credit (LIHTC) 1915 Reef Club Dr, Kissimmee 34741 280 low-income homes · 1 bd: 168 · 2 bd: 280 · 3 bd: 112 · In service since 1992 · For families
- Reef Club II Tax credit (LIHTC) 1909 Island Cir, Kissimmee 34741 280 low-income homes · In service since 1993
- Crestwood Tax credit (LIHTC) 3121 Crestwood Cir, Saint Cloud 34769 216 low-income homes · 1 bd: 72 · 2 bd: 128 · 3 bd: 16 · In service since 2011 · For families
- Saint Cloud Village Tax credit (LIHTC) 201 Saint Cloud Village Ct, Kissimmee 34744 208 low-income homes · 1 bd: 32 · 2 bd: 144 · 3 bd: 32 · In service since 2013 · For families
- Vineland Landings Tax credit (LIHTC) 2015 Old Vineland Road, Kissimmee 34746 200 low-income homes · 1 bd: 12 · 2 bd: 22 · 3 bd: 155 · 4 bd: 11 · In service since 2018
- Outrigger Village Tax credit (LIHTC) 1701 Mabbette St, Kissimmee 34741 192 low-income homes · In service since 1993 · For families
- Sawyer Estates Tax credit (LIHTC) 4201 Sawyer Cir, Saint Cloud 34772 192 low-income homes · 1 bd: 8 · 2 bd: 64 · 3 bd: 120 · In service since 1999 · For families
- Summer Cove Tax credit (LIHTC) 200 Pine Valley Rd, Saint Cloud 34769 192 low-income homes · 1 bd: 48 · 2 bd: 80 · 3 bd: 48 · 4 bd: 16 · In service since 2001 · For families
- Ravenwood - Kissimmee Tax credit (LIHTC) 2898 N Bermuda Ave, Kissimmee 34741 185 low-income homes · 1 bd: 60 · 2 bd: 116 · 3 bd: 40 · In service since 1995 · For families
- Osceola Pointe Tax credit (LIHTC) 501 Bald Cypress Dr, Kissimmee 34744 176 low-income homes · 1 bd: 10 · 2 bd: 12 · 3 bd: 143 · 4 bd: 11 · In service since 2016 · For families
- Heritage Park - Kissimmee Tax credit (LIHTC) 2104 E Irlo Bronson Memorial Hwy, Kissimmee 34744 238 homes, 167 low-income · 1 bd: 36 · 2 bd: 30 · 3 bd: 107 · 4 bd: 65 · In service since 2015 · For families
- Whistler's Park at Lakeside Tax credit (LIHTC) 2200 Whistlers Park Cir, Kissimmee 34743 160 homes, 158 low-income · 1 bd: 80 · 2 bd: 56 · 3 bd: 24 · In service since 2001
- Osceola Bend Tax credit (LIHTC) 3201 Espinosa Dr, Kissimmee 34741 152 low-income homes · In service since 2014 · For families
- Tierra Vista Tax credit (LIHTC) 8700 Tierra Vista Cir, Kissimmee 34747 152 low-income homes · 2 bd: 72 · 3 bd: 56 · 4 bd: 24 · In service since 1998 · For families
- Palos Verdes Tax credit (LIHTC) 100 Isles of Bellalago Drive, Kissimmee 34746 120 low-income homes · 1 bd: 60 · 2 bd: 48 · 3 bd: 12 · In service since 2020 · For older adults
- Fountains at San Remo Court I Tax credit (LIHTC) 840 Perth Pl, Kissimmee 34758 130 homes, 91 low-income · 3 bd: 24 · 4 bd: 24 · In service since 2011 · For families
- Madison Crossing Tax credit (LIHTC) 2299 E Irlo Bronson Memorial Hwy, Kissimmee 34744 86 low-income homes · 1 bd: 43 · 2 bd: 43 · In service since 2015 · For older adults
- Kissimmee Court Apartments HUD-assisted 2239 McLaren Cir, Kissimmee 34744 85 low-income homes · For families · (407) 847-6233
- Tierra Pointe Tax credit (LIHTC) 4695 Old Pleasant Hill Rd, Poinciana 34759 75 low-income homes · 1 bd: 37 · 2 bd: 27 · 3 bd: 11 · In service since 2014 · For families
- Kissimmee Oak Leaf Landings Tax credit (LIHTC) · HUD-assisted 2350 N Central Ave, Kissimmee 34741 70 low-income homes · 1 bd: 46 · 2 bd: 24 · In service since 2000 · For older adults, families · (407) 931-2990
- ST. Cloud Villas II HUD-assisted 1601 Kissimmee Park Road, St Cloud 34769 50 low-income homes · For older adults · (407) 846-1880
- Boca Palms Tax credit (LIHTC) 605 S Thacker Ave, Kissimmee 34741 48 low-income homes · In service since 2013 · For families
- Hickory Glen Tax credit (LIHTC) 833 Dori Ct, Saint Cloud 34772 34 low-income homes · 2 bd: 2 · 3 bd: 16 · 4 bd: 16 · In service since 2001
- San Juan Tax credit (LIHTC) 2950 San Juan Cir, Kissimmee 34746 112 homes · 1 bd: 72 · 2 bd: 40 · In service since 2018 · For older adults, families
- Kissimmee Homes Tax credit (LIHTC) 2188 McLaren Cir, Kissimmee 34744 104 homes · 1 bd: 52 · 2 bd: 52 · In service since 2018 · For families
- Cameron Preserve Tax credit (LIHTC) 1650 Yates Rd, Kissimmee 34746 100 homes · 1 bd: 10 · 2 bd: 50 · 3 bd: 40 · In service since 2019 · For families, people experiencing homelessness
- Los Altos Tax credit (LIHTC) Bellalago Drive and Bellalago Academy Loop, Kissimmee 34746 100 homes · 1 bd: 10 · 2 bd: 74 · 3 bd: 16 · In service since 2019 · For families
- Madison Crossing II Tax credit (LIHTC) 2301 E Irlo Bronson Memorial Hwy, Kissimmee 34744 88 homes · 1 bd: 46 · 2 bd: 42 · In service since 2018 · For older adults, families
- Buen Vecino Apartments HUD-assisted White Birch Dr, Kissimmee 34743 60 homes · For older adults
One property has two programs at the same address and appears once. Search HUD's map
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Osceola County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Osceola County. Here is what the rules say:
The rules, with their source
-
You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
-
Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
-
Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
-
If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
-
When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
-
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $24,150 | $40,250 | $64,350 |
| 2 people | $27,600 | $46,000 | $73,550 |
| 3 people | $31,050 | $51,750 | $82,750 |
| 4 people | $34,450 | $57,450 | $91,900 |
| 5 people | $38,680 | $62,050 | $99,300 |
| 6 people | $44,360 | $66,650 | $106,650 |
| 7 people | $50,040 | $71,250 | $114,000 |
| 8 people | $55,720 | $75,850 | $121,350 |
Area median income: $97,600. HUD income limits by family size, Fiscal year 2026. Area: Orlando-Kissimmee-Sanford, FL MSA. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $1,492 – $1,824
- 1 bedroom $1,553 – $1,899
- 2 bedrooms $1,763 – $2,155
- 3 bedrooms $2,201 – $2,690
- 4 bedrooms $2,570 – $3,142
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- Osceola County Housing Agency Section 8 vouchers · 332 vouchers (407) 742-8400 Osceola County Housing Agency: dran@osceola.org
Housing agencies in Florida Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Florida
What Florida law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- When must they return my deposit?
- 15 days
- Fla. Stat. §83.49(3)(a)
- If I fall behind on rent, what notice must I get?
- 3 days
- Fla. Stat. §83.56(3)
- How much notice ends a month-to-month rental?
- 30 days
- Fla. Stat. §83.57(3)
- Only a court order can remove youFla. Stat. §83.67(2)
- Protection from retaliationFla. Stat. §83.64
Help
Where to get help with rent in Osceola County
These HUD-approved agencies have offices in Osceola County. They counsel for free or at low cost.
-
Community Legal Services of Mid-Florida, Inc. - Kissimmee Office
800 N Main St, Kissimmee · Spanish
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 6 more
-
University of Florida/Florida Cooperative Extension - Osceola County Cooperative Extension Service
1921 Kissimmee Valley Ln, Kissimmee · Spanish
- Mortgage delinquency and default
- Budget and financial counseling
- and 5 more
Rental assistance programs
The ones that serve in Osceola County or the whole state, with what each page says about being open.
-
Florida Low-Income Home Energy Assistance Program (LIHEAP)
Run by FloridaCommerce
Help from the federal LIHEAP program in Florida that pays the electric or gas company directly, including past-due bills and reconnection
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Osceola County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Florida, the average home bill was $156 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$3,918
What you need before you get the keys.
What adds up
- First month
- $1,959
- Security deposit
- $1,959
- Total
- $3,918
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Osceola County?
According to HUD (Fiscal year 2027): Studio: $1,658; 1 bedroom: $1,726; 2 bedrooms: $1,959; 3 bedrooms: $2,445; 4 bedrooms: $2,856. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Osceola County?
Paying the 2-bedroom fair market rent ($1,959) without spending more than 30% of income takes $37.67 an hour full time, or $78,360 a year.
Who qualifies for Section 8 in Osceola County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $57,450 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Osceola County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,763 and $2,155 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Osceola County?
For 2 bedrooms they run from $1,650 in 34769 to $2,490 in 34773. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Osceola County?
HUD lists 35 properties with homes for low-income households in Osceola County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Osceola County?
HUD counts rent as a burden when it reaches 30% of income or more. In Osceola County, 65% of renter households are in that position; in Florida, 60%, and nationwide, 51% (Average 2020–2024, Census).