In Pine Castle, a typical home is worth $331,800 and typical rent is $1,361 a month. Compared with all of Orange County, typical household income is 38% lower, typical rent is 23% lower, and the share of households that own their home is 13 points lower.
Pine Castle 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 household income in Pine Castle is $49,761,38% less than in Orange County as a whole ($79,719).
2
Pine Castle has the 27th lowest homeownership rate of the 481 cities in Florida with more than 5,000 people (44%).
3
The typical rent in Pine Castle is $1,361 a month, 23% less than in Orange County as a whole ($1,775).
4
Nearby, in Oak Ridge, the typical home value is $280,200: 16% less than in Pine Castle ($331,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Pine Castle
What homes there are in Pine Castle, 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
Pine Castle
Orange County
Florida
United States
Kind of home: Pine Castle and its comparisons
Measure
Pine Castle
Orange County
Florida
United States
Detached house
50%
54%
55%
61%
Attached house
Unreliable estimate
8%
7%
6%
Building of 2 to 4
12%
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 is still the most common home in Pine Castle, but it weighs less than in Orange County: 50% against 54%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Pine Castle
Orange County
Florida
United States
Year built: Pine Castle and its comparisons
Measure
Pine Castle
Orange County
Florida
United States
Before 1960
17%
9%
10%
26%
1960–1979
37%
17%
24%
24%
1980–1999
30%
34%
34%
25%
2000–2009
13%
21%
18%
14%
2010 or later
Unreliable estimate
19%
14%
11%
The typical home in Pine Castle was built in 1979, 15 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–$300K17%
$300K–$500K53%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Pine Castle and its comparisons
Measure
Pine Castle
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
17%
$300K–$500K
53%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49954%
$1,500–$1,99919%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Pine Castle and its comparisons
Measure
Pine Castle
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
54%
$1,500–$1,999
19%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,662 a month
Orange County: $2,055 a month
Without a mortgage
$522 a month
Orange County: $695 a month
Owners with a mortgage
56%
Orange County: 67%
Owning costs less in Pine Castle: with a mortgage, the typical cost is $1,662 a month; in Orange County, $2,055. Without one, $522.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Pine Castle+106%
Orange County+65%
Florida+67%
United States+53%
Typical rent
Pine Castle+35%
Orange County+46%
Florida+42%
United States+33%
Typical household income
Pine CastleNo clear change
Orange County+37%
Florida+34%
United States+29%
Change since 2015–2019: Pine Castle and its comparisons
Measure
Pine Castle
Orange County
Florida
United States
Typical home value
+106%
+65%
+67%
+53%
Typical rent
+35%
+46%
+42%
+33%
Typical household income
No clear change
+37%
+34%
+29%
Since 2015–2019, homes in Pine Castle gained value faster than in Orange County: 106% against 65%.
Since 2015–2019, the typical rent in Pine Castle rose 35%, less than in Orange County (46%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Pine Castle and its comparisons
Measure
Pine Castle
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
3.04
2.72
2.51
2.53
Drive alone
68%
68%
70%
69%
Carpool
14%
9%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
12%
18%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Pine Castle has 3.04 people, more than in Orange County (2.72).
Carpooling is common in Pine Castle: 14% of workers get to work that way, against 9% in Orange County.
Do the math
What would you pay each month for a home in Pine Castle?
A typical home costs more than the typical income allows
We start with a typical home in Pine Castle, worth $331,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 64% of the typical household income in Pine Castle, which is $49,761 a year. For that payment to be 28% of income, a household would need to earn about $113,081 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 Pine Castle. 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 $11,613 (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
$2,639
at 7.18% · 30 years
Loan amount
$325,790
Total interest
$468,736
Paid off in
November 2056
Includes $5,603 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,161 a month
Tight
$1,161 to $1,493 a month
Hard
more than $1,493 a month
Your payment · 64%
Compared with the typical household income in Pine Castle ($49,761 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,207
Property tax
$147
Home insurance
$138
FHA mortgage insurance (MIP)
$147
You need at least $11,613 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 $2,639; principal and interest $2,207.
The city and its county
Pine Castle and Orange County
Pine Castle 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).
Pine Castle
Map of Orange County, Florida, with Pine Castle marked. Around it, the neighboring counties.
Pine Castle
Orange County
Other cities with a page
Pine Castle's own numbers
Typical home value
$331,800
Typical monthly rent
$1,361
Typical yearly household income
$49,761
Households that own their home
44%
Effective property tax rate
0.53%
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 Pine Castle is worth $331,800: 15% below the county and 8% below Florida. With the typical household income in Pine Castle ($49,761 a year), a typical home costs 6.7 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.
Pine Castle6.7 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
Pine Castle 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
Pine Castle$331,800
Orange$390,100
Florida$359,000
United States$332,700
Typical monthly rent
Pine Castle$1,361
Orange$1,775
Florida$1,669
United States$1,413
Typical yearly household income
Pine Castle$49,761
Orange$79,719
Florida$74,568
United States$80,734
See the full table
Pine Castle next to Orange County and Florida
Measure
Pine Castle
Orange County
Florida
U.S.
Typical home value
$331,800 ▼15% below the county
$390,100
$359,000
$332,700
Typical monthly rent
$1,361 ▼23% below the county
$1,775
$1,669
$1,413
Typical yearly household income
$49,761 ▼38% below the county
$79,719
$74,568
$80,734
Households that own their home
44% ▼13 points below the county
57%
68%
65%
Typical yearly property tax
$1,752 ▼41% below the county
$2,967
$2,730
$3,119
Effective property tax rate
0.53% ▼0.23 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
60%
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 Pine Castle
For a typical $331,800 home in Pine Castle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pine Castle's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,639a month
Least cash to close
Down payment
$11,613
Cash to close
$21,567
Rate
7.18%
Mortgage insurance
FHA MIP · $147
Conventional, 5% down$2,578a month
Down payment
$16,590
Cash to close
$26,544
Rate
7.18%
Mortgage insurance
PMI · $158
Conventional, 20% down, no PMI$2,083a month
Down payment
$66,360
Cash to close
$76,314
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,390a month
Down payment
$49,770
Cash to close
$59,724
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Pine Castle
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,639
$11,613
$325,790
7.18%
FHA MIP · $147
$21,567
580
Conventional, 5% down
$2,578
$16,590
$315,210
7.18%
PMI · $158
$26,544
620*
Conventional, 20% down, no PMI
$2,083
$66,360
$265,440
7.18%
None
$76,314
620*
ITIN, 15% down (example)
$2,390
$49,770
$282,030
8.18%
None
$59,724
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 Pine Castle is $1,361 a month: 23% below the county. In Pine Castle, 60% 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 Pine Castle
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pine Castle is in ZIP code 32809.
For 2 bedrooms it is $1,600: $359 less than the fair market rent for Orange County ($1,959).
Fair market rent by ZIP code and size in Pine Castle, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
32809
$1,350
$1,410
$1,600
$2,000
$2,330
ZIP code2 bd3 bd
32809 $1,600$2,000
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pine Castle 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 Pine Castle or Orange County. The ones below are statewide in Florida: they work in Pine Castle 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 Pine Castle 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 Pine Castle 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 Pine Castle?
The typical home value in Pine Castle is $331,800, 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 Pine Castle?
Typical rent in Pine Castle is $1,361 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 Pine Castle?
Pine Castle 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 Pine Castle?
The typical homeowner in Pine Castle pays $1,752 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Orange County, the rate is 0.76%.
Where can I find free help to buy or rent in Pine Castle?
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.
