Orange County, Florida: What It Costs to Buy a Home
The median home in Orange County is worth $370,000, property taxes on it run about $2,795 a year (0.78%), the FHA loan limit is $541,287, and closing on it means about $2,590 in transfer tax plus $1,950 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $370,000 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $2,795 a year, 0.78% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $2,590 | Florida transfer tax page → |
| Title insurance on the median home | $1,925 owner's + $25 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $156 | Recording fees page → |
| Closing costs from these items | $4,696 | Closing costs page → |
| Down payment help | 1 local program found | First-time buyer page → |
| Area median income (HUD, family of 4) | $97,600; low-income limit $91,900 | Income limits page → |
Frequently asked questions
How much do homes cost in Orange County?
The median owner-occupied home in Orange County is valued at $370,000, per Orlando Regional REALTOR Association (ORRA) - State of the Market, January 2026.
How much are property taxes in Orange County?
The median Orange County homeowner pays $2,795 a year in real estate taxes, about 0.78% of the median home value ($2,950 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Orange County?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Orange County?
On the $370,000 median home: transfer tax $2,590, title insurance $1,950 for both policies, recording fees about $156, about $4,696 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Orange County?
HUD's FY 2026 median family income for Orange County (Orlando-Kissimmee-Sanford, FL MSA) is $97,600. A family of four counts as low income below $91,900 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Florida counties
- Nassau County $351,100
- Okaloosa County $324,800
- Okeechobee County $179,000
- Osceola County $317,600
- Palm Beach County $645,000
- Pasco County $265,800
Sources
- Orlando Regional REALTOR Association (ORRA) - State of the Market, January 2026
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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