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City · 56,970 residents · Sarasota County, Florida

Sarasota , Florida

In Sarasota, a typical home is worth $463,000 and typical rent is $1,684 a month. Compared with all of Sarasota County, typical household income is 14% lower, the typical home value is 12% higher, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $463,000

    12% above the county

    29% above Florida

    • Sarasota
    • County
    • Florida

  • Typical rent

    $1,684a month

    7% below the county

    About the same as Florida

    • Sarasota
    • County
    • Florida

  • Typical household income

    $72,105a year

    14% below the county

    3% below Florida

    • Sarasota
    • County
    • Florida

  • Households that own their home

    57%

    19 points below the county

    10 points below Florida

    • Sarasota
    • County
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$410,998
1.5% less than 12 months ago
Typical rent
$2,210 a month
1.1% more than 12 months ago

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

Sarasota is in Sarasota County. The FHA loan limit ($547,400 for a one-unit home), the fair market rents and the help on this page are those of all of Sarasota County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sarasota apart

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

  1. 57% of households in Sarasota own their home, against 77% in Sarasota County.

  2. Nearby, in Sarasota Springs, the typical home value is $349,100: 25% less than in Sarasota ($463,000).

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

The homes here

Housing in Sarasota

What homes there are in Sarasota, 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

Many people here live in apartments: 4 in 10 homes; in Sarasota County, 2.

Year built

Homes in Sarasota are older: the typical year built is 1976; in Sarasota County, 1988.

There are fewer big homes in Sarasota than in Sarasota County: 37% have 3 bedrooms or more, against 51%.

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

About 56% of owner-occupied homes in Sarasota are worth less than the FHA loan limit for Sarasota County ($547,400); the rest are worth more.

Monthly rent with utilities

By rent, most homes in Sarasota cost less than HUD's 2-bedroom fair market rent ($2,188): about 72%.

With a mortgage

$1,927 a month

Sarasota County: $1,976 a month

Without a mortgage

$993 a month

Sarasota County: $783 a month

Owners with a mortgage

45%

Sarasota County: 48%

In Sarasota, 45% of owners have a mortgage; their typical cost is $1,927 a month, about the same as in Sarasota County.

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 Sarasota rose 73%; in Sarasota County, it rose 64%.

The typical rent in Sarasota rose 49% over the same time; in Sarasota County, it rose 42%.

The typical household income in Sarasota rose 34%: less than home values (+73%) and rent (+49%).

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

MeasureSarasotaSarasota CountyFloridaUnited States
Rental vacancy Unreliable estimate6.1%7.6%5.5%
Homeowner vacancy Unreliable estimate1.0%1.4%0.9%
More than one person per room 2.8%1.6%3.3%3.4%
People per household 2.052.132.512.53
Drive alone 72%72%70%69%
Carpool 10%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike 3%2%2%3%
Work from home 13%17%16%15%
Other means 1%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More households are short on space in Sarasota: 2.8% have more than one person per room; in Sarasota County, 1.6%.

By size, households in Sarasota look like those in Sarasota County: 2.05 people on average.

To get to work, 72% of workers in Sarasota drive alone; in Sarasota County, 72%.

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 Sarasota?

A typical home costs more than the typical income allows

We start with a typical home in Sarasota, worth $463,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 62% of the typical household income in Sarasota, which is $72,105 a year. For that payment to be 28% of income, a household would need to earn about $160,607 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sarasota. 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 $16,205 (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

$3,747

at 7.18% · 30 years

Loan amount
$454,614
Total interest
$654,083
Paid off in
November 2056

Includes $7,819 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,682 a month

  • Tight

    $1,682 to $2,163 a month

  • Hard

    more than $2,163 a month

    Your payment · 62%

Compared with the typical household income in Sarasota ($72,105 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,747
Principal & interest$3,080
Property tax$270
Home insurance$193
FHA mortgage insurance (MIP)$205

You need at least $16,205 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

Sarasota and Sarasota County

Sarasota is in Sarasota 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).

Sarasota's own numbers

Typical home value
$463,000
Typical monthly rent
$1,684
Typical yearly household income
$72,105
Households that own their home
57%
Effective property tax rate
0.7%

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

Numbers for all of Sarasota County

FHA limit, one-unit home
$547,400
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,188
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
20%

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 Sarasota County.

Everything about Sarasota County

Buying

Buying a home in Sarasota

A typical home in Sarasota is worth $463,000: 12% above the county and 29% above Florida. With the typical household income in Sarasota ($72,105 a year), a typical home costs 6.4 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.

  • Sarasota 6.4 years
  • County 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 Sarasota County

According to FHFA’s house price index, home prices in Sarasota County rose 111% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) −4.4% −0.5% +2.9%
5 years (2020–2025) +52% +60% +47%
10 years (2015–2025) +111% +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

Sarasota next to Sarasota 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
  • Sarasota $463,000
  • County $411,800
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Sarasota $1,684
  • County $1,818
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Sarasota $72,105
  • County $83,416
  • Florida $74,568
  • United States $80,734
See the full table
Sarasota next to Sarasota County and Florida
Measure Sarasota Sarasota County Florida U.S.
Typical home value $463,000 $411,800 $359,000 $332,700
Typical monthly rent $1,684 $1,818 $1,669 $1,413
Typical yearly household income $72,105 $83,416 $74,568 $80,734
Households that own their home 57% 77% 68% 65%
Typical yearly property tax $3,230 $3,106 $2,730 $3,119
Effective property tax rate 0.7% 0.75% 0.76% 0.94%
Renters with high rent for their income 62% 59% 60% 51%

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

For a typical $463,000 home in Sarasota, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sarasota's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,747a month

    Least cash to close
    Down payment
    $16,205
    Cash to close
    $30,095
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $205

  • Conventional, 5% down $3,663a month

    Down payment
    $23,150
    Cash to close
    $37,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $220

  • Conventional, 20% down, no PMI $2,972a month

    Down payment
    $92,600
    Cash to close
    $106,490
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,400a month

    Down payment
    $69,450
    Cash to close
    $83,340
    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 Sarasota and for Sarasota County.

Property tax

Effective rate in Sarasota

0.7%of the home’s value each year

$3,230 a year for the typical owner in Sarasota.

  • Sarasota 0.7%
  • County 0.75%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Sarasota County

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

Homes in the high-risk zone
20%
41,803
Of those, with NFIP insurance
42%
County Florida U.S.
Homes in the high-risk zone 20% 13% 3.5%
Of those, with NFIP insurance 42% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sarasota

Typical rent in Sarasota is $1,684 a month: 7% below the county. In Sarasota, 62% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sarasota County, by unit size. To pay the 2-bedroom one ($2,188 a month) without spending more than 30% of your income, you would need to earn $42.08 an hour working full time.

HUD fair market rent for all of Sarasota 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 $1,749 $33.63 $69,960
1 bedroom $1,876 $36.08 $75,040
2 bedrooms $2,188 $42.08 $87,520
3 bedrooms $2,775 $53.37 $111,000
4 bedrooms $3,309 $63.63 $132,360

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 Sarasota

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sarasota has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,900 in 34234 to $2,710 in 34236.

1 of the 4 is above the fair market rent for Sarasota County ($2,188).

  • 34234 $1,900$2,410
  • 34236 $2,710$3,440
  • 34237 $2,090$2,650
  • 34239 $2,070$2,620

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

HUD lists 16 buildings with rents for lower incomes in Sarasota. These are the largest.

  • University Club 3203 Nature Cir, Sarasota 34235 192 homes, 191 low-income · 1 bd: 44 · 2 bd: 84 · 3 bd: 40 · 4 bd: 24 · In service since 2003 · For families
  • Rolling Green 2596 Twin Dr, Sarasota 34234 118 low-income homes · In service since 2013 · For families
  • McCOWN TOWERS 1300 Blvd Of The Arts, Sarasota 34236 100 low-income homes · For families (941) 361-6210
  • Bayou Oaks 1160 Four Seasons Cir, Sarasota 34234 80 homes, 79 low-income · 1 bd: 40 · 2 bd: 40 · In service since 2000
  • Casa Santa Marta 1576 8th St, Sarasota 34236 78 low-income homes · For older adults (941) 366-4448

See all 23 buildings in Sarasota County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sarasota

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.

We found no HUD-approved agencies with an office in Sarasota County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Sarasota

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Sarasota

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

  • Rooted Communities, Inc.

    8466 Lockwood Ridge Rd, Sarasota · 4 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (941) 809-2231

  • Step Up Suncoast, Inc. F/K/A Manatee Community Action Agency, Inc.

    6428 Parkland Dr, Sarasota · 6 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (941) 827-0118

  • Florida Home Partnership Inc

    201 14th Ave SE, Ruskin · 26 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (813) 672-7860

All counseling agencies in Florida

Help in Spanish near Sarasota

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 Sarasota

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

  • Sarasota Housing Authority Public housing and Section 8 vouchers (941) 361-6210

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

Cities

Other cities in Sarasota County

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

Everything about Sarasota County Housing in Florida
See 4 more cities in Sarasota County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Sarasota 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 Sarasota.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Sarasota

Short answers with the numbers for Sarasota and all of Sarasota 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 Sarasota?

The typical home value in Sarasota is $463,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sarasota County it is $411,800.

How much does it cost to rent in Sarasota?

Typical rent in Sarasota is $1,684 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sarasota County is $2,188.

What is the FHA loan limit in Sarasota?

Sarasota uses the FHA limit for all of Sarasota County (2026): $547,400 for a one-unit home and $1,052,700 for a four-unit home.

How much property tax do owners pay in Sarasota?

The typical homeowner in Sarasota pays $3,230 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Sarasota County, the rate is 0.75%.

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

We found no HUD-approved counseling agencies with an office in Sarasota County; the nearest ones are on this page. 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).