Orlando, FL home prices
Typical home $383,302 · -1.4% in a year · income needed $107,000
The Orlando, FL metro area ranks 177 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.4% in a year and +20.1% over five years. With 20% down at 7.11%, the typical home costs about $2,497 a month including 0.76% property tax (Orange County rate).
Mortgage on the typical Orlando home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,660 | $306,641 | $2,063 | $0 | $435 | $2,497 | $107,000 |
| 10% down | $38,330 | $344,971 | $2,321 | $144 | $435 | $2,899 | $124,200 |
| 5% down | $19,165 | $364,137 | $2,450 | $152 | $435 | $3,036 | $130,100 |
| 3.5% down (FHA) | $13,416 | $376,359 | $2,532 | $170 | $435 | $3,136 | $134,400 |
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.
Counties in the Orlando area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Orange County, FL | $400,964 | -0.8% | 0.76% |
| Seminole County, FL | $400,341 | -0.3% | 0.67% |
| Osceola County, FL | $359,224 | -2.9% | 0.76% |
| Lake County, FL | $360,055 | -2.0% | 0.76% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in Orlando?
The typical home in the Orlando, FL metro area is worth $383,302 (Zillow, September 2026).
What salary do you need to buy a house in Orlando?
About $107,000 a year for the typical home with 20% down at 7.11%.