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City · 17,608 residents · Sumter County, Florida

Wildwood , Florida

In Wildwood, a typical home is worth $451,600 and typical rent is $1,519 a month. Compared with all of Sumter County, typical rent is 20% higher, the typical home value is 17% higher, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $451,600

    17% above the county

    26% above Florida

    • Wildwood
    • Sumter
    • Florida

  • Typical rent

    $1,519a month

    20% above the county

    9% below Florida

    • Wildwood
    • Sumter
    • Florida

  • Typical household income

    $76,552a year

    About the same as the county

    3% above Florida

    • Wildwood
    • Sumter
    • Florida

  • Households that own their home

    77%

    10 points below the county

    10 points above Florida

    • Wildwood
    • Sumter
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$295,266
0.9% less than 12 months ago
Typical rent
$1,702 a month
3.8% more than 12 months ago

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

Wildwood is in Sumter 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 Sumter County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wildwood apart

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

  1. Nearby, in Lady Lake, the typical home value is $227,300: 50% less than in Wildwood ($451,600).

  2. Nearby, in Fruitland Park, the typical rent is $1,221: 20% less than in Wildwood ($1,519).

  3. The typical rent in Wildwood is $1,519 a month, 20% more than in Sumter County as a whole ($1,269).

  4. The typical home in Wildwood is worth $451,600, 17% more than in Sumter County as a whole ($385,400).

  5. 77% of households in Wildwood own their home, against 88% in Sumter County.

  6. Wildwood has the 39th largest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (73%).

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

The homes here

Housing in Wildwood

What homes there are in Wildwood, 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 houses are the majority in Wildwood (77%), but less so than in Sumter County (82%).

Year built

Homes in Wildwood are newer: the typical year built is 2017; in Sumter County, 2006.

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

With an FHA loan, the cap for Sumter County is $541,287. About 65% of owner-occupied homes in Wildwood are worth less than that.

Monthly rent with utilities

With a mortgage

$1,962 a month

Sumter County: $1,686 a month

Without a mortgage

$709 a month

Sumter County: $602 a month

Owners with a mortgage

48%

Sumter County: 42%

In Wildwood, 48% of owners have a mortgage, and their typical cost is $1,962 a month, against $1,686 in Sumter County. Without one it drops to $709.

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 Wildwood rose 167%; in Sumter County, it rose 49%.

The typical rent in Wildwood rose 57% over the same time; in Sumter County, it rose 39%.

The typical household income in Wildwood rose 82% over that time; home values changed +167% and rent +57%.

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

MeasureWildwoodSumter CountyFloridaUnited States
Rental vacancy Unreliable estimate17.1%7.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.4%0.9%
More than one person per room Unreliable estimate1.0%3.3%3.4%
People per household 1.881.932.512.53
Drive alone 59%70%70%69%
Carpool 17%8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 18%14%16%15%
Other means 5%6%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Wildwood has 1.88 people on average, about the same as in Sumter County (1.93).

In Wildwood, 17% of workers share a car to get to work; in Sumter County, 8%.

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 Wildwood?

A typical home costs more than the typical income allows

We start with a typical home in Wildwood, worth $451,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Wildwood, which is $76,552 a year. For that payment to be 28% of income, a household would need to earn about $160,523 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Wildwood. 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 $15,806 (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

$3,746

at 7.18% · 30 years

Loan amount
$443,420
Total interest
$637,978
Paid off in
November 2056

Includes $7,626 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,786 a month

  • Tight

    $1,786 to $2,297 a month

  • Hard

    more than $2,297 a month

    Your payment · 59%

Compared with the typical household income in Wildwood ($76,552 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,746
Principal & interest$3,004
Property tax$354
Home insurance$188
FHA mortgage insurance (MIP)$200

You need at least $15,806 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

Wildwood and Sumter County

Wildwood is in Sumter 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).

Wildwood's own numbers

Typical home value
$451,600
Typical monthly rent
$1,519
Typical yearly household income
$76,552
Households that own their home
77%
Effective property tax rate
0.94%

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

Numbers for all of Sumter County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,324
Price change over 5 years (FHFA)
+35%
Homes in a high flood-risk zone
3.5%

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 Sumter County.

Everything about Sumter County

Buying

Buying a home in Wildwood

A typical home in Wildwood is worth $451,600: 17% above the county and 26% above Florida. With the typical household income in Wildwood ($76,552 a year), a typical home costs 5.9 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.

  • Wildwood 5.9 years
  • Sumter 5.0 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sumter County

According to FHFA’s house price index, home prices in Sumter County rose 59% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) −3.1% −0.5% +2.9%
5 years (2020–2025) +35% +60% +47%
10 years (2015–2025) +59% +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

Wildwood next to Sumter 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
  • Wildwood $451,600
  • Sumter $385,400
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Wildwood $1,519
  • Sumter $1,269
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Wildwood $76,552
  • Sumter $76,508
  • Florida $74,568
  • United States $80,734
See the full table
Wildwood next to Sumter County and Florida
Measure Wildwood Sumter County Florida U.S.
Typical home value $451,600 $385,400 $359,000 $332,700
Typical monthly rent $1,519 $1,269 $1,669 $1,413
Typical yearly household income $76,552 $76,508 $74,568 $80,734
Households that own their home 77% 88% 68% 65%
Typical yearly property tax $4,246 $3,014 $2,730 $3,119
Effective property tax rate 0.94% 0.78% 0.76% 0.94%
Renters with high rent for their income 73% 61% 60% 51%

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

For a typical $451,600 home in Wildwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wildwood's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,746a month

    Least cash to close
    Down payment
    $15,806
    Cash to close
    $29,354
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $200

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

    Down payment
    $22,580
    Cash to close
    $36,128
    Rate
    7.18%
    Mortgage insurance
    PMI · $215

  • Conventional, 20% down, no PMI $2,989a month

    Down payment
    $90,320
    Cash to close
    $103,868
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,407a month

    Down payment
    $67,740
    Cash to close
    $81,288
    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 Wildwood and for Sumter County.

Property tax

Effective rate in Wildwood

0.94%of the home’s value each year

$4,246 a year for the typical owner in Wildwood.

  • Wildwood 0.94%
  • Sumter 0.78%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Sumter County

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

Homes in the high-risk zone
3.5%
2,480
Of those, with NFIP insurance
39%
County Florida U.S.
Homes in the high-risk zone 3.5% 13% 3.5%
Of those, with NFIP insurance 39% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Wildwood

Typical rent in Wildwood is $1,519 a month: 20% above the county. In Wildwood, 73% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sumter County, by unit size. To pay the 2-bedroom one ($1,324 a month) without spending more than 30% of your income, you would need to earn $25.46 an hour working full time.

HUD fair market rent for all of Sumter 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 $1,092 $21.00 $43,680
1 bedroom $1,139 $21.90 $45,560
2 bedrooms $1,324 $25.46 $52,960
3 bedrooms $1,606 $30.88 $64,240
4 bedrooms $1,904 $36.62 $76,160

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 Wildwood

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

For 2 bedrooms it runs from $1,200 in 33514 to $2,040 in 32163.

1 of the 4 is above the fair market rent for Sumter County ($1,324).

  • 32163 $2,040$2,480
  • 33514 $1,200$1,490
  • 33585 $1,200$1,490
  • 34785 $1,250$1,520

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

HUD lists 2 buildings with rents for lower incomes in Wildwood. These are the largest.

  • Club Wildwood 775 Huey St, Wildwood 34785 72 low-income homes · 1 bd: 4 · 2 bd: 28 · 3 bd: 32 · 4 bd: 8 · In service since 2004 · For families
  • Wildwood Terrace 500 Gilliam St, Wildwood 34785 40 low-income homes · In service since 1991

See all 5 buildings in Sumter County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Wildwood

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Wildwood

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Wildwood

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

  • Community Legal Services of Mid-Florida, Inc. - Tavares Office

    226 W Main St, Tavares · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • Homes in Partnership, Inc.

    1140 S Grove St, Eustis · 20 miles away · Spanish

    • Budget and financial counseling
    • Workshops for new owners
    • and 3 more
    (407) 886-2451

  • Community Legal Services of Mid-Florida, Inc. - Inverness Office

    106 N Osceola Ave, Inverness · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

All counseling agencies in Florida

Help in Spanish near Wildwood

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 Wildwood

HUD lists no housing authority with an office in Sumter County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Florida Source: HUD

Cities

Other cities in Sumter County

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

Everything about Sumter County Housing in Florida

Nearby cities

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

Neighboring counties

If Sumter 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 Wildwood.

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

Questions

Housing questions about Wildwood

Short answers with the numbers for Wildwood and all of Sumter 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 Wildwood?

The typical home value in Wildwood is $451,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sumter County it is $385,400.

How much does it cost to rent in Wildwood?

Typical rent in Wildwood is $1,519 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sumter County is $1,324.

What is the FHA loan limit in Wildwood?

Wildwood uses the FHA limit for all of Sumter 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 Wildwood?

The typical homeowner in Wildwood pays $4,246 a year, according to the U.S. Census Bureau. That is 0.94% of the home’s value; in Sumter County, the rate is 0.78%.

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

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