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City · 7,555 residents · DeSoto County, Florida

Southeast Arcadia , Florida

In Southeast Arcadia, a typical home is worth $169,200 and typical rent is $939 a month. Compared with all of DeSoto County, typical household income is 11% higher.

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  • Typical home value

    $169,200

    3% below the county

    53% below Florida

    • Southeast Arcadia
    • DeSoto
    • Florida

  • Typical rent

    $939a month

    About the same as the county

    44% below Florida

    • Southeast Arcadia
    • DeSoto
    • Florida

  • Typical household income

    $60,169a year

    11% above the county

    19% below Florida

    • Southeast Arcadia
    • DeSoto
    • Florida

  • Households that own their home

    68%

    5 points below the county

    About the same as Florida

    • Southeast Arcadia
    • DeSoto
    • Florida

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

Southeast Arcadia is in DeSoto 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 DeSoto County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Southeast Arcadia apart

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

  1. Southeast Arcadia has the 15th lowest typical rent of the 471 cities in Florida with more than 5,000 people ($939).

  2. Southeast Arcadia has the 26th lowest typical home value of the 480 cities in Florida with more than 5,000 people ($169,200).

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

The homes here

Housing in Southeast Arcadia

What homes there are in Southeast Arcadia, 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 Southeast Arcadia, 6 in 10 homes are single-family detached houses; in DeSoto County, 5.

Year built

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

$1,425 a month

DeSoto County: $1,409 a month

Without a mortgage

$428 a month

DeSoto County: $440 a month

Owners with a mortgage

38%

DeSoto County: 39%

Owning costs about the same in Southeast Arcadia as in DeSoto County: with a mortgage, $1,425 a month; without one, $428.

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

Since 2015–2019, homes in Southeast Arcadia gained value faster than in DeSoto County: 134% against 99%.

The typical rent in Southeast Arcadia rose 43% over the same time; in DeSoto County, it rose 36%.

While home values in Southeast Arcadia changed +134% and rent +43%, the typical household income rose 112%.

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

MeasureSoutheast ArcadiaDeSoto CountyFloridaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.4%0.9%
More than one person per room Unreliable estimate6.8%3.3%3.4%
People per household 2.862.532.512.53
Drive alone 70%70%70%69%
Carpool 26%22%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%16%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Southeast Arcadia are bigger: 2.86 people on average; in DeSoto County, 2.53.

Carpooling is common in Southeast Arcadia: 26% of workers get to work that way, against 22% in DeSoto County.

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 Southeast Arcadia?

A typical home is within reach of the typical income

We start with a typical home in Southeast Arcadia, worth $169,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Southeast Arcadia, which is $60,169 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Southeast Arcadia. 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 $5,922 (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

$1,384

at 7.18% · 30 years

Loan amount
$166,135
Total interest
$239,030
Paid off in
November 2056

Includes $2,857 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,404 a month

    Your payment · 28%

  • Tight

    $1,404 to $1,805 a month

  • Hard

    more than $1,805 a month

Compared with the typical household income in Southeast Arcadia ($60,169 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,384
Principal & interest$1,125
Property tax$113
Home insurance$71
FHA mortgage insurance (MIP)$75

You need at least $5,922 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

Southeast Arcadia and DeSoto County

Southeast Arcadia is in DeSoto 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).

Southeast Arcadia's own numbers

Typical home value
$169,200
Typical monthly rent
$939
Typical yearly household income
$60,169
Households that own their home
68%
Effective property tax rate
0.8%

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

Numbers for all of DeSoto County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,089
Price change over 5 years (FHFA)
+71%
Homes in a high flood-risk zone
6.6%

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 DeSoto County.

Everything about DeSoto County

Buying

Buying a home in Southeast Arcadia

A typical home in Southeast Arcadia is worth $169,200: 3% below the county and 53% below Florida. With the typical household income in Southeast Arcadia ($60,169 a year), a typical home costs 2.8 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.

  • Southeast Arcadia 2.8 years
  • DeSoto 3.2 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in DeSoto County

According to FHFA’s house price index, home prices in DeSoto County rose 164% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) +9.6% −0.5% +2.9%
5 years (2020–2025) +71% +60% +47%
10 years (2015–2025) +164% +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

Southeast Arcadia next to DeSoto 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
  • Southeast Arcadia $169,200
  • DeSoto $174,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Southeast Arcadia $939
  • DeSoto $932
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Southeast Arcadia $60,169
  • DeSoto $54,417
  • Florida $74,568
  • United States $80,734
See the full table
Southeast Arcadia next to DeSoto County and Florida
Measure Southeast Arcadia DeSoto County Florida U.S.
Typical home value $169,200 $174,100 $359,000 $332,700
Typical monthly rent $939 $932 $1,669 $1,413
Typical yearly household income $60,169 $54,417 $74,568 $80,734
Households that own their home 68% 73% 68% 65%
Typical yearly property tax $1,348 $1,447 $2,730 $3,119
Effective property tax rate 0.8% 0.83% 0.76% 0.94%

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

For a typical $169,200 home in Southeast Arcadia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Southeast Arcadia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,384a month

    Least cash to close
    Down payment
    $5,922
    Cash to close
    $10,998
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $75

  • Conventional, 5% down $1,353a month

    Down payment
    $8,460
    Cash to close
    $13,536
    Rate
    7.18%
    Mortgage insurance
    PMI · $80

  • Conventional, 20% down, no PMI $1,100a month

    Down payment
    $33,840
    Cash to close
    $38,916
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,257a month

    Down payment
    $25,380
    Cash to close
    $30,456
    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 Southeast Arcadia and for DeSoto County.

Property tax

Effective rate in Southeast Arcadia

0.8%of the home’s value each year

$1,348 a year for the typical owner in Southeast Arcadia.

  • Southeast Arcadia 0.8%
  • DeSoto 0.83%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in DeSoto County

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

Homes in the high-risk zone
6.6%
879
Of those, with NFIP insurance
32%
County Florida U.S.
Homes in the high-risk zone 6.6% 13% 3.5%
Of those, with NFIP insurance 32% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Southeast Arcadia

Typical rent in Southeast Arcadia is $939 a month: about the same as the county.

HUD publishes a fair market rent for all of DeSoto County, by unit size. To pay the 2-bedroom one ($1,089 a month) without spending more than 30% of your income, you would need to earn $20.94 an hour working full time.

HUD fair market rent for all of DeSoto 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 $948 $18.23 $37,920
1 bedroom $954 $18.35 $38,160
2 bedrooms $1,089 $20.94 $43,560
3 bedrooms $1,497 $28.79 $59,880
4 bedrooms $1,679 $32.29 $67,160

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 Southeast Arcadia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Southeast Arcadia is in ZIP code 34266.

For 2 bedrooms it is $1,350: $261 more than the fair market rent for DeSoto County ($1,089).

  • 34266 $1,350$1,790

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Southeast Arcadia 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 Southeast Arcadia

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 DeSoto County. The nearest ones are below; many serve by phone or online.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Southeast Arcadia

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Southeast Arcadia

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

  • Florida Non-Profit Housing Inc

    3909 Kenilworth Blvd, Sebring · 33 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (863) 385-2519

  • Lee County Housing Development Corporation

    3677 Central Ave Ste F, Fort Myers · 40 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (239) 275-5105

  • Affordable Homeownership Foundation Inc

    5264 Clayton Ct Ste 1, Fort Myers · 42 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (239) 689-4944

All counseling agencies in Florida

Help in Spanish near Southeast Arcadia

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 Southeast Arcadia

In HUD’s record, no housing authority with an office in DeSoto County is named for Southeast Arcadia or DeSoto County.

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

Cities

Other cities in DeSoto County

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

Everything about DeSoto County Housing in Florida

Nearby cities

The cities closest to Southeast Arcadia, with the typical home value.

Neighboring counties

If DeSoto 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 Southeast Arcadia.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Southeast Arcadia

Short answers with the numbers for Southeast Arcadia and all of DeSoto 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 Southeast Arcadia?

The typical home value in Southeast Arcadia is $169,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in DeSoto County it is $174,100.

How much does it cost to rent in Southeast Arcadia?

Typical rent in Southeast Arcadia is $939 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in DeSoto County is $1,089.

What is the FHA loan limit in Southeast Arcadia?

Southeast Arcadia uses the FHA limit for all of DeSoto 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 Southeast Arcadia?

The typical homeowner in Southeast Arcadia pays $1,348 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in DeSoto County, the rate is 0.83%.

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

We found no HUD-approved counseling agencies with an office in DeSoto 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).