Is Apopka, FL a good place to live?

By Jon Brooks, Co-Founder, Momentum Realty

Data as of November 9, 2026. Figures are aggregates from licensed MLS records, IRS migration files, Zillow indexes, Census income and population, and Citizens Property Insurance; sources are named where they appear.

The short answer, by the numbers

Apopka homes sold for a median of $400,000 over the last 12 months, -1.2% year over year. Homes take about 42 days to sell and the city holds 3.8 months of supply, which reads as a seller’s market. Owning the median home runs about $2,537 a month with taxes and insurance, against a median household income near $79,719 (32.7% of income). Prices sit at 5.0 times local income, a stretch by the usual four-times-income yardstick.

What it costs to live in Apopka

Median sale price (12 months)	$400,000
Price per square foot	$213/sq ft
Typical monthly cost to own the median home	$2,537 (principal, interest, taxes, insurance)
Median household income	$79,719
Price-to-income ratio	5.0x
Share of income to own the median home	32.7%
Median property tax bill	$2,967/yr
Typical rent (county, Zillow ZORI)	$1,933/mo
Citizens Property Insurance average premium (county)	$1,409/yr

The cost-to-own figure is principal and interest at today’s prevailing 30-year rate with a 20% down payment, plus the county’s median tax bill and a typical insurance premium. Your own number moves with the rate you lock and the home’s flood zone and roof.

How Apopka home prices have moved

Appreciation has run -0.8% over the last year, +4.1% a year over five years, +6.5% a year over ten. The median went from $213,472 in 2016 to $400,000 over the last 12 months, +87% in 10 years.

Year	Median sale	Closings	Days on market	$/sq ft
2016	$213,472	398	30	$104
2017	$232,766	342	27	$116
2018	$254,283	74	61	$125
2019	$260,530	29	51	$137
2021	$369,046	41	5	$177
2022	$383,532	385	7	$188
2023	$403,936	112	19	$199
2024	$427,040	331	25	$211
2025	$425,453	300	35	$214
2026	$429,050	553	44	$213

The Apopka market right now

Homes for sale	485
Under contract	107
Sold in the last 12 months	1,530
Months of supply	3.8
Sale-to-list price	98%
Listings with a price cut	28.8%
Cash purchases (latest year)	11%
New-construction share of sales	36%

What sells here: Single Family Residence 92%, Townhouse 6%, ? 1%.

By price band, where the supply and the waiting are:

Price band	For sale	Sold, 12 mo	Months of supply	Days on market
Under $300K	10	23	5.2	31
$300K–$500K	75	516	1.7	39
$500K–$750K	29	117	3.0	55
$750K+	6	16	4.5	135

Weather, flood and insurance exposure

Insurance is the line item that surprises people. Citizens, the state-backed insurer of last resort, averages $1,409 a year in Orange County across 4,204 policies. Roof age, wind-mitigation features and flood zone move a quote more than anything else, so price insurance before you write an offer, not after.

Who is moving to Apopka

IRS county-to-county returns for Orange County show 85,541 people moving in and 94,578 moving out in the latest filing year, a net of -9,037. Out-of-state arrivals came mostly from NY, CA, NJ, TX. Households arriving reported an average adjusted gross income of $66,457 against $61,323 for those leaving. Orange County’s population grew from 1,321,194 in 2018 to 1,471,937 (+11%), and median household income rose +47% over the same stretch.

The trade-offs, by the numbers

What the numbers argue for: five-year appreciation of +4.1% a year; 3.8 months of supply (a seller's market); Citizens average premium $1,409 a year.

What the numbers argue against: price-to-income of 5.0x (above the four-times rule); 32.7% of median income to own the median home (over the 28% guideline); prices -1.2% over the last year, which favors buyers on price and hurts recent sellers; net migration -9,037 people a year into the county; median property tax bill $2,967 a year.

None of this describes the people who live here; it describes what it costs to buy in, what you carry each month, and how the market has treated owners. Neighborhood fit is a visit, not a statistic.

Keep researching Apopka

Common questions

Is Apopka expensive to live in?

The median home sold for $400,000 over the last 12 months and owning it costs about $2,537 a month including taxes and insurance, which is 32.7% of the area’s median household income of $79,719. Renters pay about $1,933 a month at the county median.

Is it a buyer’s or seller’s market in Apopka right now?

With 3.8 months of supply and a median 42 days on market it is a seller’s market. Sellers are getting 98% of asking on average and 28.8% of listings have cut price.

Are home values in Apopka going up?

Values moved -1.2% over the last year, +4.1% a year over five years and +6.5% a year over ten. The median went from $213,472 in 2016 to $400,000 over the last 12 months, +87% in 10 years.

How bad is hurricane and insurance risk in Apopka?

Citizens’ average premium in Orange County is $1,409 a year. Exposure depends on the flood zone, roof age and building-code era of the specific home; the hurricane risk page linked above has the county storm record since 1950 and the FEMA flood-zone share by city.

What are property taxes like in Apopka?

The median bill in Orange County is $2,967 a year. Florida homesteaded owners get a $50,000 exemption and a 3% cap on assessed-value growth, but a purchase resets the assessment to market value, so a new owner usually pays more than the seller did.

Where do people moving to Apopka come from?

Market figures are aggregates as of November 9, 2026 and change over time; no individual sale is shown. General information, not legal, tax or financial advice. Equal Housing Opportunity.