Osceola County, Florida home prices
Typical home $359,224 · -2.9% in a year · property tax 0.76%
The typical home in Osceola County is worth $359,224, 4% less than the Florida typical home ($375,361). Values changed -2.9% in the past year and +16.9% over five years. Homeowners here pay a median 0.76% of their home's value in property tax each year ($2,745 on the typical home), versus 0.8% statewide.
Mortgage on the typical Osceola County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $71,845 | $287,380 | $1,933 | $0 | $408 | $2,342 | $100,400 |
| 10% down | $35,922 | $323,302 | $2,175 | $135 | $408 | $2,718 | $116,500 |
| 5% down | $17,961 | $341,263 | $2,296 | $142 | $408 | $2,846 | $122,000 |
| 3.5% down (FHA) | $12,573 | $352,718 | $2,373 | $159 | $408 | $2,940 | $126,000 |
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 |
|---|---|---|---|
| Lake County | $360,055 | -2.0% | 0.76% |
| Indian River County | $363,705 | -0.9% | 0.69% |
| Okaloosa County | $352,929 | +0.9% | 0.57% |
| Santa Rosa County | $350,823 | +1.5% | 0.57% |
| Flagler County | $350,266 | -0.2% | 0.76% |
| Pinellas County | $368,917 | +0.2% | 0.7% |
| Saint Lucie County | $370,781 | -0.9% | 0.93% |
| Bay County | $343,009 | -0.0% | 0.58% |
| Hillsborough County | $375,501 | -0.9% | 0.81% |
| Brevard County | $342,346 | -0.5% | 0.68% |
Frequently asked questions
What is the average home price in Osceola County, FL?
The typical home value in Osceola County is $359,224 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Osceola County?
About $100,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Osceola County?
The median effective rate is 0.76% of home value a year (Census ACS 2024 5-year estimates).