Osceola County, FL Average Home Price (2026)
The average home price in Osceola County, Florida is about $357,000 (the 2026 median across 13 ZIP codes, at ~$215/sq ft) — 3% more expensive than the Florida median and 24% more expensive than the typical U.S. home.
How Osceola County compares
Osceola County is about average for housing nationally: its typical home costs $357,000 against $345,000 for Florida and $289,000 for the U.S. Within the county, ZIP-level values run from about $207,000 to $432,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Osceola County | $357,000 | $215 |
| Florida | $345,000 | $229 |
| United States | $289,000 | $193 |
Cities in Osceola County
Cities with their own home-value page, largest first:
Osceola County home prices by ZIP code
The 13 most valuable ZIP codes in Osceola County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 34771 Saint Cloud | $432,000 | $217 | +21% |
| 34739 Kenansville | $401,000 | $225 | +12% |
| 34747 Kissimmee | $399,000 | $223 | +12% |
| 34772 Saint Cloud | $394,000 | $208 | +10% |
| 34744 Kissimmee | $380,000 | $216 | +6% |
| 34773 Saint Cloud | $379,000 | $207 | +6% |
| 34746 Campbell | $357,000 | $206 | +0% |
| 33896 Davenport | $352,000 | $188 | -1% |
| 34743 Kissimmee | $337,000 | $232 | -6% |
| 34769 Saint Cloud | $313,000 | $215 | -12% |
| 34758 Poinciana | $307,000 | $176 | -14% |
| 34741 Kissimmee | $284,000 | $197 | -20% |
| 33848 Intercession City | $207,000 | $244 | -42% |
Home value appreciation in Osceola County
Home prices in Osceola County have risen about 143% over the last 10 years (≈9.3% a year) and +90.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -0.1% — roughly flat. A home worth $357,000 today was worth roughly $147,156 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Florida is +126.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Osceola County
Run the numbers for Osceola County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Osceola County
To buy the typical $357,000 home in Osceola County with 20% down, you need a household income of roughly $97,000 a year (about $2,270 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $115,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,900 | $2,820/mo | $121,000/yr |
| 10% (+PMI) | $35,700 | $2,690/mo | $115,000/yr |
| 20% | $71,400 | $2,270/mo | $97,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Osceola County
At about $215 per square foot, here is roughly how much home different budgets get you in Osceola County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 930 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1160 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1400 sq ft | around the typical home here |
| $400k | 1860 sq ft | around the typical home here |
| $500k | 2330 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Florida.
Estimate a specific home in Osceola County
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Osceola County home prices: frequently asked
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Browse all Florida cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.