In Williamsburg, a typical home is worth $327,700 and typical rent is $1,938 a month. Compared with all of Orange County, the typical home value is 16% lower, typical household income is 12% higher, and the share of households that own their home is 23 points higher.
Williamsburg 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
80% of households in Williamsburg own their home, against 57% in Orange County.
2
Williamsburg has the 14th smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (41%).
3
Nearby, in Oak Ridge, the typical rent is $1,466: 24% less than in Williamsburg ($1,938).
4
The typical home in Williamsburg is worth $327,700,16% less than in Orange County as a whole ($390,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Williamsburg
What homes there are in Williamsburg, 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
Williamsburg
Orange County
Florida
United States
Kind of home: Williamsburg and its comparisons
Measure
Williamsburg
Orange County
Florida
United States
Detached house
70%
54%
55%
61%
Attached house
9%
8%
7%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
30%
25%
19%
Mobile home
Unreliable estimate
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Williamsburg, 7 in 10 homes are single-family detached houses; in Orange County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Williamsburg
Orange County
Florida
United States
Year built: Williamsburg and its comparisons
Measure
Williamsburg
Orange County
Florida
United States
Before 1960
Unreliable estimate
9%
10%
26%
1960–1979
20%
17%
24%
24%
1980–1999
60%
34%
34%
25%
2000–2009
15%
21%
18%
14%
2010 or later
Unreliable estimate
19%
14%
11%
Homes in Williamsburg are older: the typical year built is 1987; 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 $100KUnreliable
$100K–$200KUnreliable
$200K–$300K26%
$300K–$500K60%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Williamsburg and its comparisons
Measure
Williamsburg
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
26%
$300K–$500K
60%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99926%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Williamsburg and its comparisons
Measure
Williamsburg
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
26%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,645 a month
Orange County: $2,055 a month
Without a mortgage
$559 a month
Orange County: $695 a month
Owners with a mortgage
59%
Orange County: 67%
The typical cost for an owner with a mortgage in Williamsburg is $1,645 a month, less than in Orange County ($2,055); without one, $559.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Williamsburg+58%
Orange County+65%
Florida+67%
United States+53%
Typical rent
Williamsburg+31%
Orange County+46%
Florida+42%
United States+33%
Typical household income
Williamsburg+53%
Orange County+37%
Florida+34%
United States+29%
Change since 2015–2019: Williamsburg and its comparisons
Measure
Williamsburg
Orange County
Florida
United States
Typical home value
+58%
+65%
+67%
+53%
Typical rent
+31%
+46%
+42%
+33%
Typical household income
+53%
+37%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Williamsburg rose 58%; in Orange County, it rose 65%.
Since 2015–2019, the typical rent in Williamsburg rose 31%, less than in Orange County (46%).
While home values in Williamsburg changed +58% and rent +31%, the typical household income rose 53%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Williamsburg and its comparisons
Measure
Williamsburg
Orange County
Florida
United States
Rental vacancy
Unreliable estimate
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
2.51
2.72
2.51
2.53
Drive alone
76%
68%
70%
69%
Carpool
Unreliable estimate
9%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
14%
18%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.51 on average, against 2.72 in Orange County.
The car rules in Williamsburg: 76% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Williamsburg?
A typical home is tight for the typical income
We start with a typical home in Williamsburg, worth $327,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Williamsburg, which is $89,191 a year. For that payment to be 28% of income, a household would need to earn about $113,908 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 Williamsburg. 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 $11,470 (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
$2,658
at 7.18% · 30 years
Loan amount
$321,764
Total interest
$462,943
Paid off in
November 2056
Includes $5,534 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,081 a month
Tight
$2,081 to $2,676 a month
Your payment · 36%
Hard
more than $2,676 a month
Compared with the typical household income in Williamsburg ($89,191 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,180
Property tax
$197
Home insurance
$137
FHA mortgage insurance (MIP)
$145
You need at least $11,470 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 $2,658; principal and interest $2,180.
The city and its county
Williamsburg and Orange County
Williamsburg 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).
Williamsburg
Map of Orange County, Florida, with Williamsburg marked. Around it, the neighboring counties.
Williamsburg
Orange County
Other cities with a page
Williamsburg's own numbers
Typical home value
$327,700
Typical monthly rent
$1,938
Typical yearly household income
$89,191
Households that own their home
80%
Effective property tax rate
0.72%
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 Williamsburg is worth $327,700: 16% below the county and 9% below Florida. With the typical household income in Williamsburg ($89,191 a year), a typical home costs 3.7 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.
Williamsburg3.7 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
Williamsburg 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
Williamsburg$327,700
Orange$390,100
Florida$359,000
United States$332,700
Typical monthly rent
Williamsburg$1,938
Orange$1,775
Florida$1,669
United States$1,413
Typical yearly household income
Williamsburg$89,191
Orange$79,719
Florida$74,568
United States$80,734
See the full table
Williamsburg next to Orange County and Florida
Measure
Williamsburg
Orange County
Florida
U.S.
Typical home value
$327,700 ▼16% below the county
$390,100
$359,000
$332,700
Typical monthly rent
$1,938 ▲9% above the county
$1,775
$1,669
$1,413
Typical yearly household income
$89,191 ▲12% above the county
$79,719
$74,568
$80,734
Households that own their home
80% ▲23 points above the county
57%
68%
65%
Typical yearly property tax
$2,351 ▼21% below the county
$2,967
$2,730
$3,119
Effective property tax rate
0.72% ▼0.04 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
41% ▼18 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 Williamsburg
For a typical $327,700 home in Williamsburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Williamsburg's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,658a month
Least cash to close
Down payment
$11,470
Cash to close
$21,301
Rate
7.18%
Mortgage insurance
FHA MIP · $145
Conventional, 5% down$2,598a month
Down payment
$16,385
Cash to close
$26,216
Rate
7.18%
Mortgage insurance
PMI · $156
Conventional, 20% down, no PMI$2,109a month
Down payment
$65,540
Cash to close
$75,371
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,412a month
Down payment
$49,155
Cash to close
$58,986
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Williamsburg
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,658
$11,470
$321,765
7.18%
FHA MIP · $145
$21,301
580
Conventional, 5% down
$2,598
$16,385
$311,315
7.18%
PMI · $156
$26,216
620*
Conventional, 20% down, no PMI
$2,109
$65,540
$262,160
7.18%
None
$75,371
620*
ITIN, 15% down (example)
$2,412
$49,155
$278,545
8.18%
None
$58,986
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 Williamsburg is $1,938 a month: 9% above the county. In Williamsburg, 41% 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 Williamsburg
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Williamsburg is in ZIP code 32821.
For 2 bedrooms it is $2,130: $171 more than the fair market rent for Orange County ($1,959).
Fair market rent by ZIP code and size in Williamsburg, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
32821
$1,800
$1,880
$2,130
$2,660
$3,110
ZIP code2 bd3 bd
32821 $2,130$2,660
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Williamsburg 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 Williamsburg or Orange County. The ones below are statewide in Florida: they work in Williamsburg 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.
The HUD-approved agencies closest to the center of Williamsburg, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Williamsburg 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 Williamsburg 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 Williamsburg?
The typical home value in Williamsburg is $327,700, 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 Williamsburg?
Typical rent in Williamsburg is $1,938 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 Williamsburg?
Williamsburg 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 Williamsburg?
The typical homeowner in Williamsburg pays $2,351 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Orange County, the rate is 0.76%.
Where can I find free help to buy or rent in Williamsburg?
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.
