In University, a typical home is worth $298,900 and typical rent is $1,445 a month. Compared with all of Orange County, typical household income is 25% lower, the typical home value is 23% lower, and the share of households that own their home is 19 points lower.
University 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
University has the 11th lowest homeownership rate of the 481 cities in Florida with more than 5,000 people (37%).
2
The typical household income in University is $59,852,25% less than in Orange County as a whole ($79,719).
3
The typical home in University is worth $298,900,23% less than in Orange County as a whole ($390,100).
4
The typical rent in University is $1,445 a month, 19% less than in Orange County as a whole ($1,775).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in University
What homes there are in University, 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
University
Orange County
Florida
United States
Kind of home: University and its comparisons
Measure
University
Orange County
Florida
United States
Detached house
36%
54%
55%
61%
Attached house
13%
8%
7%
6%
Building of 2 to 4
8%
5%
6%
8%
Apartments (5 or more)
36%
30%
25%
19%
Mobile home
7%
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In University, the apartment is the most common kind of home: 36%, against 30% in Orange County.
Mobile homes are 7% of homes in University, more than in Orange County (3%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
University
Orange County
Florida
United States
Year built: University and its comparisons
Measure
University
Orange County
Florida
United States
Before 1960
Unreliable estimate
9%
10%
26%
1960–1979
8%
17%
24%
24%
1980–1999
52%
34%
34%
25%
2000–2009
13%
21%
18%
14%
2010 or later
21%
19%
14%
11%
The typical year built in University is 1994, about the same as in Orange County (1994).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K9%
$100K–$200KUnreliable
$200K–$300K21%
$300K–$500K35%
$500K–$750K13%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: University and its comparisons
Measure
University
Under $100K
9%
$100K–$200K
Unreliable estimate
$200K–$300K
21%
$300K–$500K
35%
$500K–$750K
13%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99913%
$1,000–$1,49940%
$1,500–$1,99930%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: University and its comparisons
Measure
University
Under $500
Unreliable estimate
$500–$999
13%
$1,000–$1,499
40%
$1,500–$1,999
30%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,640 a month
Orange County: $2,055 a month
Without a mortgage
$542 a month
Orange County: $695 a month
Owners with a mortgage
70%
Orange County: 67%
In University, 70% of owners have a mortgage, and their typical cost is $1,640 a month, against $2,055 in Orange County. Without one it drops to $542.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
University+54%
Orange County+65%
Florida+67%
United States+53%
Typical rent
University+31%
Orange County+46%
Florida+42%
United States+33%
Typical household income
University+38%
Orange County+37%
Florida+34%
United States+29%
Change since 2015–2019: University and its comparisons
Measure
University
Orange County
Florida
United States
Typical home value
+54%
+65%
+67%
+53%
Typical rent
+31%
+46%
+42%
+33%
Typical household income
+38%
+37%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in University rose 54%; in Orange County, it rose 65%.
Rents in University rose more slowly than in Orange County: 31% since 2015–2019, against 46%.
To compare: typical income in University rose 38%; the home, +54%; the rent, +31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: University and its comparisons
Measure
University
Orange County
Florida
United States
Rental vacancy
14.2%
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
2.34
2.72
2.51
2.53
Drive alone
68%
68%
70%
69%
Carpool
8%
9%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
6%
2%
2%
3%
Work from home
16%
18%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
There is more rental housing open in University: 14.2% is empty and offered for rent, against 9.3% in Orange County.
On average, a household in University has 2.34 people, fewer than in Orange County (2.72).
In University, 6% of workers walk or bike to work; in Orange County, 2%.
Do the math
What would you pay each month for a home in University?
A typical home costs more than the typical income allows
We start with a typical home in University, worth $298,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in University, which is $59,852 a year. For that payment to be 28% of income, a household would need to earn about $102,936 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 University. 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 $10,462 (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
$2,402
at 7.18% · 30 years
Loan amount
$293,486
Total interest
$422,257
Paid off in
November 2056
Includes $5,048 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,397 a month
Tight
$1,397 to $1,796 a month
Hard
more than $1,796 a month
Your payment · 48%
Compared with the typical household income in University ($59,852 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,988
Property tax
$157
Home insurance
$125
FHA mortgage insurance (MIP)
$132
You need at least $10,462 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 $2,402; principal and interest $1,988.
The city and its county
University and Orange County
University 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).
University
Map of Orange County, Florida, with University marked. Around it, the neighboring counties.
University
Orange County
Other cities with a page
University's own numbers
Typical home value
$298,900
Typical monthly rent
$1,445
Typical yearly household income
$59,852
Households that own their home
37%
Effective property tax rate
0.63%
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 University is worth $298,900: 23% below the county and 17% below Florida. With the typical household income in University ($59,852 a year), a typical home costs 5.0 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.
University5.0 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
University 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
University$298,900
Orange$390,100
Florida$359,000
United States$332,700
Typical monthly rent
University$1,445
Orange$1,775
Florida$1,669
United States$1,413
Typical yearly household income
University$59,852
Orange$79,719
Florida$74,568
United States$80,734
See the full table
University next to Orange County and Florida
Measure
University
Orange County
Florida
U.S.
Typical home value
$298,900 ▼23% below the county
$390,100
$359,000
$332,700
Typical monthly rent
$1,445 ▼19% below the county
$1,775
$1,669
$1,413
Typical yearly household income
$59,852 ▼25% below the county
$79,719
$74,568
$80,734
Households that own their home
37% ▼19 points below the county
57%
68%
65%
Typical yearly property tax
$1,881 ▼37% below the county
$2,967
$2,730
$3,119
Effective property tax rate
0.63% ▼0.13 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
56% ▼4 points below the county
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 University
For a typical $298,900 home in University, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, University's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,402a month
Least cash to close
Down payment
$10,462
Cash to close
$19,429
Rate
7.18%
Mortgage insurance
FHA MIP · $132
Conventional, 5% down$2,347a month
Down payment
$14,945
Cash to close
$23,912
Rate
7.18%
Mortgage insurance
PMI · $142
Conventional, 20% down, no PMI$1,901a month
Down payment
$59,780
Cash to close
$68,747
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,178a month
Down payment
$44,835
Cash to close
$53,802
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in University
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,402
$10,462
$293,486
7.18%
FHA MIP · $132
$19,429
580
Conventional, 5% down
$2,347
$14,945
$283,955
7.18%
PMI · $142
$23,912
620*
Conventional, 20% down, no PMI
$1,901
$59,780
$239,120
7.18%
None
$68,747
620*
ITIN, 15% down (example)
$2,178
$44,835
$254,065
8.18%
None
$53,802
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 University is $1,445 a month: 19% below the county. In University, 56% 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 University
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). University has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,760 in 32826 to $2,030 in 32817.
1 of the 3 is above the fair market rent for Orange County ($1,959).
2-bedroom fair market rent in each of the 3 ZIP codes of University, beside the one for Orange County. For 2 bedrooms it runs from $1,760 in 32826 to $2,030 in 32817. 1 of the 3 is above the fair market rent for Orange County ($1,959).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,959
Lowest: $1,760 (32826)Highest: $2,030 (32817)
Fair market rent by ZIP code and size in University, fiscal year 2027.
32816
$1,580
$1,640
$1,860
$2,330
$2,720
32817
$1,720
$1,790
$2,030
$2,530
$2,960
32826
$1,490
$1,550
$1,760
$2,200
$2,570
ZIP code2 bd3 bd
32816 $1,860$2,330
32817 $2,030$2,530
32826 $1,760$2,200
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for University 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 University or Orange County. The ones below are statewide in Florida: they work in University 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 University 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 University 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 University?
The typical home value in University is $298,900, 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 University?
Typical rent in University is $1,445 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 University?
University 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 University?
The typical homeowner in University pays $1,881 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Orange County, the rate is 0.76%.
Where can I find free help to buy or rent in University?
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.
