Lake County, Florida home prices
Typical home $360,055 · -2.0% in a year · property tax 0.76%
The typical home in Lake County is worth $360,055, 4% less than the Florida typical home ($375,361). Values changed -2.0% in the past year and +18.3% over five years. Homeowners here pay a median 0.76% of their home's value in property tax each year ($2,751 on the typical home), versus 0.8% statewide.
Mortgage on the typical Lake County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $72,011 | $288,044 | $1,938 | $0 | $409 | $2,347 | $100,600 |
| 10% down | $36,005 | $324,049 | $2,180 | $135 | $409 | $2,724 | $116,800 |
| 5% down | $18,003 | $342,052 | $2,301 | $143 | $409 | $2,853 | $122,300 |
| 3.5% down (FHA) | $12,602 | $353,533 | $2,378 | $159 | $409 | $2,947 | $126,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.76% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Orlando metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Osceola County | $359,224 | -2.9% | 0.76% |
| Indian River County | $363,705 | -0.9% | 0.69% |
| Okaloosa County | $352,929 | +0.9% | 0.57% |
| Pinellas County | $368,917 | +0.2% | 0.7% |
| Santa Rosa County | $350,823 | +1.5% | 0.57% |
| Flagler County | $350,266 | -0.2% | 0.76% |
| Saint Lucie County | $370,781 | -0.9% | 0.93% |
| Hillsborough County | $375,501 | -0.9% | 0.81% |
| Bay County | $343,009 | -0.0% | 0.58% |
| Brevard County | $342,346 | -0.5% | 0.68% |
Frequently asked questions
What is the average home price in Lake County, FL?
The typical home value in Lake County is $360,055 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lake County?
About $100,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lake County?
The median effective rate is 0.76% of home value a year (Census ACS 2024 5-year estimates).