Cost of Living in Kissimmee, Florida: The 2026 Numbers
Kissimmee is in Osceola County, Florida (ZIP codes 34746, 34747, 34758, 34744). · Homes for sale in Kissimmee · Osceola County
Cost of living in Kissimmee, FL (2026): owning the median home — $394,000 over the last 12 months of sales — costs about $2,837 a month with 20% down at 6.71% (principal and interest $2,036, Osceola County property tax about $437, insurance about $145 at the Citizens county average, and a typical HOA of $220). Renting runs about $1,981 a month across the ZIP codes where Kissimmee homes sell (Zillow Observed Rent Index). Florida has no state income tax; the costs that move the most between Florida cities are the home price, property tax at your purchase price, and insurance.
Kissimmee's cost of living is shaped by two things the indices miss: the newness of the housing stock and the size of the short-term-rental market. The first keeps insurance simple; the second keeps inventory high and gives a primary-residence buyer room to negotiate.
The median lands on the statewide line, but the monthly cost is pushed up by an HOA that nearly every listing carries.
What it costs to own a home in Kissimmee, line by line
The median Kissimmee home sold for $394,000 over the last 12 months (1,779 closings across 487 communities), about $199 per square foot for a typical 1,850 sq ft. Here is what that home costs a new owner each month:
| Principal & interest (6.71%, 30-yr, 20% down) | $2,036 |
| Property tax (Osceola County, 15.23 mills, after $50,000 homestead) | $437 |
| Home insurance (Citizens Osceola County average) | $145 |
| HOA (median where one applies; 86% of listings) | $220 |
| Estimated monthly cost to own the median home | $2,837 |
Two of those lines are the ones out-of-state buyers get wrong. The property tax on a listing is the seller’s capped bill; yours resets to your purchase price at closing, so the figure above is the honest first-full-year number. And the insurance line is a county average from Citizens; a real quote on a specific roof and flood zone can be far from it in either direction.
The HOA is close to universal here because so many communities were built with amenity centers, and many also carry a CDD. Before comparing a vacation-zoned home to a residential one on price, check the use: the fees, the neighbors and the resale market are different in each.
Renting vs. owning in Kissimmee
The Zillow Observed Rent Index across the ZIP codes where Kissimmee homes sell puts a typical rent at about $1,981 a month, up 0.8% over the past year. Owning the median home costs about $2,837, so the monthly gap is roughly $856 more to own before tax treatment, maintenance and equity. Across those ZIPs the median household income is about $67,677, and the price-to-income ratio runs about 5.3.
The rent figure here reflects long-term rentals, not vacation homes, and the own-versus-rent gap is moderate. With months of supply as high as they are, a buyer who plans to stay can often negotiate the purchase price enough to close that gap.
What your budget buys in Kissimmee
Three price points from 1,286 recent closings, each with what actually sold within 10% of that price and what that home costs to own:
- Around $300,000: a 3-bed, 2.5-bath home of about 1,600 sq ft, built around 2006 — roughly $2,232/month to own (235 sales).
- Around $394,000: a 4-bed, 2-bath home of about 1,868 sq ft, built around 2006 — roughly $2,837/month to own (340 sales).
- Around $455,000: a 4-bed, 3-bath home of about 2,142 sq ft, built around 2006 — roughly $3,230/month to own (250 sales).
Property taxes in Kissimmee
Osceola County’s typical total millage is 15.23 mills, about 1.52% of taxable value. After the $50,000 homestead exemption the median home’s bill is about $5,240 a year. Once you homestead, Florida’s Save Our Homes cap limits assessment growth to 3% a year, which is why long-time owners pay far less than a new buyer in the same house. Full worksheet: Osceola County property tax guide.
Home insurance in Kissimmee
Citizens Property Insurance’s average premium in Osceola County is about $1,735 a year. Florida premiums are driven by roof age, wind-mitigation features, distance to the coast and the FEMA flood zone, which is why two houses on one street can quote thousands apart. Get a quote on the specific address before you write an offer, and order a wind-mitigation inspection on any older roof. See home insurance by county.
HOA and CDD fees in Kissimmee
86% of current Kissimmee listings carry an HOA, with a median of $220 a month where one applies. About 25% of recent sales were new construction, and most newer master-planned communities also carry a CDD assessment that appears on the tax bill rather than the HOA statement — ask for it on every home. Neither is included in the monthly figure above unless the HOA line says so.
Kissimmee compared with other Florida cities
Same method, same day, for the Florida cities we track most closely: median sale over the last 12 months, the monthly cost of owning that median home, the typical rent, and the county’s Citizens average premium.
| City | Median sale | Est. monthly to own | Median rent (ZORI) | Citizens avg premium |
|---|---|---|---|---|
| Hudson | $300,000 | $2,025 | $1,824 | $1,659 |
| Jacksonville | $315,000 | $2,220 | $1,627 | $1,315 |
| Pensacola | $330,000 | $2,347 | $1,800 | $2,364 |
| Plant City | $374,000 | $2,518 | $1,783 | $1,816 |
| St. Augustine | $404,000 | $2,717 | $2,062 | $1,378 |
| Kissimmee | $394,000 | $2,837 | $1,981 | $1,735 |
| Tampa | $430,000 | $2,871 | $1,939 | $1,816 |
| Orlando | $408,000 | $2,928 | $1,994 | $1,409 |
| Dunedin | $422,000 | $2,941 | $2,060 | $1,911 |
| Wesley Chapel | $434,000 | $2,987 | $2,270 | $1,659 |
| Yulee | $456,000 | $3,002 | $2,077 | $1,159 |
| West Palm Beach | $630,000 | $4,766 | $2,241 | $1,753 |
| Fort Lauderdale | $825,000 | $5,675 | $2,610 | $1,561 |
| Ponte Vedra Beach | $930,000 | $5,908 | $2,319 | $1,378 |
| Boca Raton | $1,065,000 | $7,953 | $3,035 | $1,753 |
What this page does not estimate
Groceries, utilities, transportation and healthcare vary less between Florida cities than housing does and are not modeled here; national cost-of-living indices cover them reasonably well. What those indices routinely miss is Florida homeowners insurance and the property-tax reset at purchase, which is why this page is built around them.
For a household that wants a newer home near Orlando and is willing to be deliberate about the residential-versus-rental line, Kissimmee is a solid total-cost case. Price the HOA and the CDD, and use the inventory.
Common questions about the cost of living in Kissimmee
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<a href="https://movewithmomentum.com/cost-of-living-kissimmee">Cost of Living in Kissimmee, FL (2026): $2,837/mo to Own the Median Home, $1,981 Rent — Momentum Realty</a>Home prices and HOA figures are Momentum Realty’s MLS record of Kissimmee communities as of 2026-09-06; rent, income and price-to-income are Zillow and Census figures by ZIP code pooled over the ZIPs where Kissimmee homes sell; tax and insurance are Osceola County figures. Estimates, not quotes. General information, not financial advice. Equal Housing Opportunity.