The Villages, FL home prices
Typical home $387,785 · -0.5% in a year · income needed $108,600
The The Villages, FL metro area ranks 166 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.5% in a year and +17.9% over five years. With 20% down at 7.11%, the typical home costs about $2,534 a month including 0.78% property tax (Sumter County rate).
Mortgage on the typical The Villages home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $77,557 | $310,228 | $2,087 | $0 | $447 | $2,534 | $108,600 |
| 10% down | $38,779 | $349,007 | $2,348 | $145 | $447 | $2,940 | $126,000 |
| 5% down | $19,389 | $368,396 | $2,478 | $153 | $447 | $3,078 | $131,900 |
| 3.5% down (FHA) | $13,572 | $380,761 | $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.
Counties in the The Villages area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Sumter County, FL | $387,784 | -0.5% | 0.78% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in The Villages?
The typical home in the The Villages, FL metro area is worth $387,785 (Zillow, September 2026).
What salary do you need to buy a house in The Villages?
About $108,600 a year for the typical home with 20% down at 7.11%.