Sumter County, Florida home prices
Typical home $387,784 · -0.5% in a year · property tax 0.78%
The typical home in Sumter County is worth $387,784, 3% more than the Florida typical home ($375,361). Values changed -0.5% in the past year and +17.9% over five years. Homeowners here pay a median 0.78% of their home's value in property tax each year ($3,033 on the typical home), versus 0.8% statewide.
Mortgage on the typical Sumter County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $77,557 | $310,227 | $2,087 | $0 | $447 | $2,534 | $108,600 |
| 10% down | $38,778 | $349,005 | $2,348 | $145 | $447 | $2,940 | $126,000 |
| 5% down | $19,389 | $368,394 | $2,478 | $153 | $447 | $3,078 | $131,900 |
| 3.5% down (FHA) | $13,572 | $380,760 | $2,561 | $172 | $447 | $3,180 | $136,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% 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 The Villages metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sarasota County | $399,023 | -1.7% | 0.75% |
| Hillsborough County | $375,501 | -0.9% | 0.81% |
| Seminole County | $400,341 | -0.3% | 0.67% |
| Orange County | $400,964 | -0.8% | 0.76% |
| Gulf County | $403,845 | -1.0% | 0.63% |
| Saint Lucie County | $370,781 | -0.9% | 0.93% |
| Pinellas County | $368,917 | +0.2% | 0.7% |
| Manatee County | $408,269 | -2.5% | 0.78% |
| Indian River County | $363,705 | -0.9% | 0.69% |
| Lake County | $360,055 | -2.0% | 0.76% |
Frequently asked questions
What is the average home price in Sumter County, FL?
The typical home value in Sumter County is $387,784 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Sumter County?
About $108,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Sumter County?
The median effective rate is 0.78% of home value a year (Census ACS 2024 5-year estimates).