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City · 8,116 residents · Orange County, Florida

Sky Lake , Florida

In Sky Lake, a typical home is worth $280,400 and typical rent is $1,953 a month. Compared with all of Orange County, the typical home value is 28% lower, typical household income is 12% lower, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $280,400

    28% below the county

    22% below Florida

    • Sky Lake
    • Orange
    • Florida

  • Typical rent

    $1,953a month

    10% above the county

    17% above Florida

    • Sky Lake
    • Orange
    • Florida

  • Typical household income

    $70,203a year

    12% below the county

    6% below Florida

    • Sky Lake
    • Orange
    • Florida

  • Households that own their home

    63%

    6 points above the county

    4 points below Florida

    • Sky Lake
    • Orange
    • Florida

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

Sky Lake 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Sky Lake apart

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

  1. Nearby, in Pine Castle, the typical rent is $1,361: 30% less than in Sky Lake ($1,953).

  2. The typical home in Sky Lake is worth $280,400, 28% less than in Orange County as a whole ($390,100).

  3. 63% of households in Sky Lake own their home, against 57% in Orange County.

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

The homes here

Housing in Sky Lake

What homes there are in Sky Lake, 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

In Sky Lake, 7 in 10 homes are single-family detached houses; in Orange County, 5.

Year built

The typical home in Sky Lake was built in 1965, 29 years before the typical one in Orange 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

$1,297 a month

Orange County: $2,055 a month

Without a mortgage

$467 a month

Orange County: $695 a month

Owners with a mortgage

65%

Orange County: 67%

The typical cost for an owner with a mortgage in Sky Lake is $1,297 a month, less than in Orange County ($2,055); without one, $467.

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

The typical home value in Sky Lake rose 81% since 2015–2019, more than in Orange County (65%).

Rents in Sky Lake rose faster than in Orange County: 87% since 2015–2019, against 46%.

The typical household income in Sky Lake rose 57%: less than home values (+81%) and rent (+87%).

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

MeasureSky LakeOrange CountyFloridaUnited States
Rental vacancy Unreliable estimate9.3%7.6%5.5%
Homeowner vacancy Unreliable estimate2.4%1.4%0.9%
More than one person per room 13.0%3.7%3.3%3.4%
People per household 3.422.722.512.53
Drive alone 74%68%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate18%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Sky Lake, 13.0% of households live with more than one person per room, against 3.7% in Orange County.

More people live in each home here: 3.42 on average, against 2.72 in Orange County.

The car rules in Sky Lake: 74% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Sky Lake?

A typical home costs more than the typical income allows

We start with a typical home in Sky Lake, worth $280,400, 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 Sky Lake, which is $70,203 a year. For that payment to be 28% of income, a household would need to earn about $96,164 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sky Lake. 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 $9,814 (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

$2,244

at 7.18% · 30 years

Loan amount
$275,321
Total interest
$396,123
Paid off in
November 2056

Includes $4,735 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,638 a month

  • Tight

    $1,638 to $2,106 a month

  • Hard

    more than $2,106 a month

    Your payment · 38%

Compared with the typical household income in Sky Lake ($70,203 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,244
Principal & interest$1,865
Property tax$138
Home insurance$117
FHA mortgage insurance (MIP)$124

You need at least $9,814 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

Sky Lake and Orange County

Sky Lake 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).

Sky Lake's own numbers

Typical home value
$280,400
Typical monthly rent
$1,953
Typical yearly household income
$70,203
Households that own their home
63%
Effective property tax rate
0.59%

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.

Everything about Orange County

Buying

Buying a home in Sky Lake

A typical home in Sky Lake is worth $280,400: 28% below the county and 22% below Florida. With the typical household income in Sky Lake ($70,203 a year), a typical home costs 4.0 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.

  • Sky Lake 4.0 years
  • Orange 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 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.

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

Sky Lake 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
  • Sky Lake $280,400
  • Orange $390,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Sky Lake $1,953
  • Orange $1,775
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Sky Lake $70,203
  • Orange $79,719
  • Florida $74,568
  • United States $80,734
See the full table
Sky Lake next to Orange County and Florida
Measure Sky Lake Orange County Florida U.S.
Typical home value $280,400 $390,100 $359,000 $332,700
Typical monthly rent $1,953 $1,775 $1,669 $1,413
Typical yearly household income $70,203 $79,719 $74,568 $80,734
Households that own their home 63% 57% 68% 65%
Typical yearly property tax $1,649 $2,967 $2,730 $3,119
Effective property tax rate 0.59% 0.76% 0.76% 0.94%
Renters with high rent for their income 72% 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 Sky Lake

For a typical $280,400 home in Sky Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sky Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,244a month

    Least cash to close
    Down payment
    $9,814
    Cash to close
    $18,226
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $124

  • Conventional, 5% down $2,192a month

    Down payment
    $14,020
    Cash to close
    $22,432
    Rate
    7.18%
    Mortgage insurance
    PMI · $133

  • Conventional, 20% down, no PMI $1,774a month

    Down payment
    $56,080
    Cash to close
    $64,492
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,034a month

    Down payment
    $42,060
    Cash to close
    $50,472
    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 Sky Lake and for Orange County.

Property tax

Effective rate in Sky Lake

0.59%of the home’s value each year

$1,649 a year for the typical owner in Sky Lake.

  • Sky Lake 0.59%
  • Orange 0.76%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Orange County

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

Homes in the high-risk zone
2.3%
9,209
Of those, with NFIP insurance
44%
County Florida U.S.
Homes in the high-risk zone 2.3% 13% 3.5%
Of those, with NFIP insurance 44% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sky Lake

Typical rent in Sky Lake is $1,953 a month: 10% above the county. In Sky Lake, 72% 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.

HUD fair market rent for all of Orange 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 Sky Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sky Lake is in ZIP code 32809.

For 2 bedrooms it is $1,600: $359 less than the fair market rent for Orange County ($1,959).

  • 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 Sky Lake 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?

Free help

Help to buy or rent in Sky Lake

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.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Sky Lake

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Sky Lake

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

  • Incharge Debt Solutions

    5750 Major Blvd, Orlando · 4 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (877) 712-6040

  • Greenpath Financial Wellness

    121 S Orange Ave, Orlando · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (813) 374-2251

  • Community Legal Services of Mid-Florida, Inc.

    122 E Colonial Dr, Orlando · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (386) 255-6573

Every agency in Orange County All counseling agencies in Florida

Help in Spanish near Sky Lake

3 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 Sky Lake

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

  • Orange County Housing & Community Development Section 8 vouchers (407) 836-5150

2 other authorities have an office in Orange County: see the list Source: HUD

Cities

Other cities in Orange County

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

Everything about Orange County Housing in Florida
See 16 more cities in Orange County, with prices and rents

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

Nearby cities

The cities closest to Sky Lake, with the typical home value.

Neighboring counties

If Orange 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 Sky Lake.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Sky Lake

Short answers with the numbers for Sky Lake 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 Sky Lake?

The typical home value in Sky Lake is $280,400, 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 Sky Lake?

Typical rent in Sky Lake is $1,953 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 Sky Lake?

Sky Lake 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 Sky Lake?

The typical homeowner in Sky Lake pays $1,649 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Orange County, the rate is 0.76%.

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

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.

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).