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City · 40,599 residents · Seminole County, Florida

Oviedo , Florida

In Oviedo, a typical home is worth $454,000 and typical rent is $1,955 a month. Compared with all of Seminole County, typical household income is 37% higher, the typical home value is 17% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $454,000

    17% above the county

    26% above Florida

    • Oviedo
    • Seminole
    • Florida

  • Typical rent

    $1,955a month

    10% above the county

    17% above Florida

    • Oviedo
    • Seminole
    • Florida

  • Typical household income

    $117,070a year

    37% above the county

    57% above Florida

    • Oviedo
    • Seminole
    • Florida

  • Households that own their home

    77%

    11 points above the county

    9 points above Florida

    • Oviedo
    • Seminole
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$504,529
about the same as 12 months ago
Typical rent
$2,158 a month
1.2% more than 12 months ago

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

Oviedo is in Seminole 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 Seminole County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oviedo apart

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

  1. Nearby, in University, the typical home value is $298,900: 34% less than in Oviedo ($454,000).

  2. The typical household income in Oviedo is $117,070, 37% more than in Seminole County as a whole ($85,761).

  3. Nearby, in Bithlo, the typical rent is $1,388: 29% less than in Oviedo ($1,955).

  4. The typical home in Oviedo is worth $454,000, 17% more than in Seminole County as a whole ($386,900).

  5. 77% of households in Oviedo own their home, against 66% in Seminole County.

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

The homes here

Housing in Oviedo

What homes there are in Oviedo, 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 houses, standing on their own, make up 78% of homes here, against 61% in Seminole County.

Year built

The typical home in Oviedo was built in 1997, 9 years after the typical one in Seminole County.

There is more room for a big family here: 84% of homes have 3 bedrooms or more, against 67% in Seminole County.

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

$2,424 a month

Seminole County: $2,020 a month

Without a mortgage

$783 a month

Seminole County: $681 a month

Owners with a mortgage

75%

Seminole County: 66%

Owning costs more in Oviedo: with a mortgage, the typical cost is $2,424 a month; in Seminole County, $2,020. Without one, $783.

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, home values in Oviedo rose at about the same pace as in Seminole County: 57% against 60%.

The typical rent in Oviedo rose 20% over the same time; in Seminole County, it rose 44%.

To compare: typical income in Oviedo rose 22%; the home, +57%; the rent, +20%.

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

MeasureOviedoSeminole CountyFloridaUnited States
Rental vacancy Unreliable estimate7.2%7.6%5.5%
Homeowner vacancy Unreliable estimate0.9%1.4%0.9%
More than one person per room 1.7%2.4%3.3%3.4%
People per household 2.992.552.512.53
Drive alone 63%68%70%69%
Carpool 8%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 27%22%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Oviedo, 1.7% of households live with more than one person per room, about the same as in Seminole County.

Households in Oviedo are bigger: 2.99 people on average; in Seminole County, 2.55.

Many people here do not commute at all: 27% work from home; in Seminole County, 22%.

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 Oviedo?

A typical home costs more than the typical income allows

We start with a typical home in Oviedo, worth $454,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Oviedo, which is $117,070 a year. For that payment to be 28% of income, a household would need to earn about $158,620 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oviedo. 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 $15,890 (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

$3,701

at 7.18% · 30 years

Loan amount
$445,777
Total interest
$641,368
Paid off in
November 2056

Includes $7,667 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,732 a month

  • Tight

    $2,732 to $3,512 a month

  • Hard

    more than $3,512 a month

    Your payment · 38%

Compared with the typical household income in Oviedo ($117,070 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,701
Principal & interest$3,020
Property tax$291
Home insurance$189
FHA mortgage insurance (MIP)$201

You need at least $15,890 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

Oviedo and Seminole County

Oviedo is in Seminole 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).

Oviedo's own numbers

Typical home value
$454,000
Typical monthly rent
$1,955
Typical yearly household income
$117,070
Households that own their home
77%
Effective property tax rate
0.77%

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

Numbers for all of Seminole 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)
+55%
Homes in a high flood-risk zone
2.8%

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 Seminole County.

Everything about Seminole County

Buying

Buying a home in Oviedo

A typical home in Oviedo is worth $454,000: 17% above the county and 26% above Florida. With the typical household income in Oviedo ($117,070 a year), a typical home costs 3.9 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.

  • Oviedo 3.9 years
  • Seminole 4.5 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Seminole County

According to FHFA’s house price index, home prices in Seminole County rose 124% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) +0.0% −0.5% +2.9%
5 years (2020–2025) +55% +60% +47%
10 years (2015–2025) +124% +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

Oviedo next to Seminole 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
  • Oviedo $454,000
  • Seminole $386,900
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Oviedo $1,955
  • Seminole $1,783
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Oviedo $117,070
  • Seminole $85,761
  • Florida $74,568
  • United States $80,734
See the full table
Oviedo next to Seminole County and Florida
Measure Oviedo Seminole County Florida U.S.
Typical home value $454,000 $386,900 $359,000 $332,700
Typical monthly rent $1,955 $1,783 $1,669 $1,413
Typical yearly household income $117,070 $85,761 $74,568 $80,734
Households that own their home 77% 66% 68% 65%
Typical yearly property tax $3,494 $2,599 $2,730 $3,119
Effective property tax rate 0.77% 0.67% 0.76% 0.94%
Renters with high rent for their income 59% 59% 60% 51%

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

For a typical $454,000 home in Oviedo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oviedo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,701a month

    Least cash to close
    Down payment
    $15,890
    Cash to close
    $29,510
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $201

  • Conventional, 5% down $3,618a month

    Down payment
    $22,700
    Cash to close
    $36,320
    Rate
    7.18%
    Mortgage insurance
    PMI · $216

  • Conventional, 20% down, no PMI $2,941a month

    Down payment
    $90,800
    Cash to close
    $104,420
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,361a month

    Down payment
    $68,100
    Cash to close
    $81,720
    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 Oviedo and for Seminole County.

Property tax

Effective rate in Oviedo

0.77%of the home’s value each year

$3,494 a year for the typical owner in Oviedo.

  • Oviedo 0.77%
  • Seminole 0.67%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Seminole County

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

Homes in the high-risk zone
2.8%
4,324
Of those, with NFIP insurance
47%
County Florida U.S.
Homes in the high-risk zone 2.8% 13% 3.5%
Of those, with NFIP insurance 47% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oviedo

Typical rent in Oviedo is $1,955 a month: 10% above the county. In Oviedo, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Seminole 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 Seminole 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 Oviedo

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

For 2 bedrooms it runs from $2,280 in 32765 to $2,480 in 32766.

2 of the 2 are above the fair market rent for Seminole County ($1,959).

  • 32765 $2,280$2,850
  • 32766 $2,480$3,100

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

Low-income apartments

Low-income apartments in Oviedo

HUD lists 8 buildings with rents for lower incomes in Oviedo. These are the largest.

  • Mystic Cove 2780 Mystic Lake Dr, Oviedo 32765 184 homes, 183 low-income · 1 bd: 40 · 2 bd: 88 · 3 bd: 16 · 4 bd: 40 · In service since 2003 · For families
  • Oviedo Town Centre I 450 Fontana Cir, Oviedo 32765 106 low-income homes · 1 bd: 18 · 2 bd: 19 · 3 bd: 25 · 4 bd: 16 · In service since 2008 · For families
  • Covington Club 134 Callan Way, Oviedo 32765 94 homes, 76 low-income · 3 bd: 94 · In service since 2011 · For families
  • Oviedo Town Centre III 450 Fontana Cir, Oviedo 32765 72 low-income homes · 1 bd: 20 · 2 bd: 12 · 3 bd: 40 · In service since 2008 · For families
  • Promenade at Aloma 2785 Chaddsford Cir, Oviedo 32765 233 homes, 47 low-income · 1 bd: 64 · 2 bd: 109 · 3 bd: 60 · In service since 1999 · For families

See all 31 buildings in Seminole County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Oviedo

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 Seminole County; 2 say they serve in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Oviedo

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Oviedo

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

  • Catholic Charities of Central Florida

    1819 N Semoran Blvd, Orlando · 10 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (407) 658-1818

  • Habitat for Humanity Seminole County Apopka

    251 Maitland Ave Ste 312, Altamonte Springs · 11 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 8 more
    (407) 696-5855

  • Consumer Debt Counselors, Inc

    831 W Morse Blvd, Winter Park · 11 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (800) 820-9232

Every agency in Seminole County All counseling agencies in Florida

Help in Spanish near Oviedo

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 Oviedo

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

  • Seminole County Housing Authority Public housing and Section 8 vouchers (407) 365-3621

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

Cities

Other cities in Seminole County

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

Everything about Seminole County Housing in Florida

Nearby cities

The cities closest to Oviedo, with the typical home value.

Neighboring counties

If Seminole 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 Oviedo.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Oviedo

Short answers with the numbers for Oviedo and all of Seminole 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 Oviedo?

The typical home value in Oviedo is $454,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Seminole County it is $386,900.

How much does it cost to rent in Oviedo?

Typical rent in Oviedo is $1,955 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Seminole County is $1,959.

What is the FHA loan limit in Oviedo?

Oviedo uses the FHA limit for all of Seminole 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 Oviedo?

The typical homeowner in Oviedo pays $3,494 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Seminole County, the rate is 0.67%.

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

There are 2 HUD-approved counseling agencies with an office in Seminole County. 2 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).