Sumter County, FL Average Home Price (2026)
The average home price in Sumter County, Florida is about $298,000 (the 2026 median across 9 ZIP codes, at ~$246/sq ft) — 14% more affordable than the Florida median and 3% more expensive than the typical U.S. home.
How Sumter County compares
Sumter County is about average for housing nationally: its typical home costs $298,000 against $345,000 for Florida and $289,000 for the U.S. Within the county, ZIP-level values run from about $206,000 to $530,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Sumter County | $298,000 | $246 |
| Florida | $345,000 | $229 |
| United States | $289,000 | $193 |
Cities in Sumter County
Cities with their own home-value page, largest first:
Sumter County home prices by ZIP code
The 9 most valuable ZIP codes in Sumter County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 33521 Coleman | $530,000 | $279 | +78% |
| 32163 The Villages | $480,000 | $273 | +61% |
| 32162 The Villages | $367,000 | $246 | +23% |
| 34484 Oxford | $351,000 | $207 | +18% |
| 33513 Bushnell | $298,000 | $222 | +0% |
| 33585 The Villages | $297,000 | $256 | +0% |
| 33597 Webster | $283,000 | $248 | -5% |
| 34785 The Villages | $271,000 | $179 | -9% |
| 33538 Lake Panasoffkee | $206,000 | $232 | -31% |
Home value appreciation in Sumter County
Home prices in Sumter County have risen about 59% over the last 10 years (≈4.8% a year) and +73.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -3.1% — a recent dip. A home worth $298,000 today was worth roughly $187,186 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 Sumter County
Run the numbers for Sumter County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Sumter County
To buy the typical $298,000 home in Sumter County with 20% down, you need a household income of roughly $81,000 a year (about $1,890 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $96,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,900 | $2,350/mo | $101,000/yr |
| 10% (+PMI) | $29,800 | $2,250/mo | $96,000/yr |
| 20% | $59,600 | $1,890/mo | $81,000/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 Sumter County
At about $246 per square foot, here is roughly how much home different budgets get you in Sumter County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 610 sq ft | below the local median — condos, smaller or older homes |
| $200k | 810 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1020 sq ft | around the typical home here |
| $300k | 1220 sq ft | around the typical home here |
| $400k | 1630 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 Sumter County
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Sumter 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.