Moving to Lady Lake, Florida: The 2026 Data Guide
As of 2026-11-08, the median home sold in Lady Lake, Florida over the last 12 months went for $194,000 (88 closings across 90 communities in Momentum’s MLS record), about $152 per square foot for a median 1,306-sq-ft home built around 2002. Homes currently listed have been on the market a median of 44 days, and with 142 active listings against that sales pace the city is carrying roughly 19.4 months of supply. Sellers have been getting about 94% of their original asking price. That median is 52% below the median across Momentum’s Florida and Georgia coverage.
Lady Lake right now — November 2026
Live pages for your move: 167 homes for sale in Lady Lake · Luxury homes · New construction · Homes by ZIP (1 ZIPs) · New listings this week · Price reductions · What your budget buys in Lake County · Cost of living · Best neighborhoods · Property tax · Lake County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated November 8, 2026.
What your budget buys in Lady Lake
Three price points from 199 recent Lady Lake closings in our record, each showing what actually closed within 10% of that price:
- Around $220,029: the typical sale in this band was a 2-bed, 2-bath home of about 1,266 sq ft, built around 1990 (28 sales).
- Around $194,000: the typical sale in this band was a 2-bed, 2-bath home of about 1,248 sq ft, built around 1987 (29 sales).
- Around $385,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,784 sq ft, built around 2012 (26 sales).
The real monthly cost of owning in Lady Lake
Take the median $194,000 home with 20% down at today’s 7.18% 30-year rate: principal and interest run about $1,051/month. Lake County’s typical total millage is 16.65 mills, so after the $50,000 homestead exemption the property tax is roughly $2,397/year ($200/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Lake County is about $1,756/year; private-market quotes vary with roof age and wind mitigation. 39% of current Lady Lake listings carry an HOA, with a median of $172/month where one applies. All in, budget on the order of $1,397/month to own the median Lady Lake home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Lake County property tax guide and our home insurance by county map.
Where people are buying: Lady Lake’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Lady Lake Orange Blossom Gardens | 35 | $194,500 | 41 |
| The Reserve at Hammock Oaks | 15 | $274,000 | 162 |
| Harbor Hills | 12 | $544,500 | 25 |
| The Villages | 12 | $294,950 | 54 |
| Orange Blossom Gardens | 10 | $177,000 | 88 |
| Reserves at Hammock Oaks | 9 | $309,990 | 50 |
| Carlton Village Park | 8 | $247,500 | 78 |
| Lady Lake April Hills | 6 | $206,500 | — |
Lady Lake by ZIP code
Sales and medians by ZIP over the same 12 months: 32159 (194 sales, median $311,495).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 80% were single-family homes, 3% townhomes or villas. New construction accounted for 45% of closings, led by The Reserve at Hammock Oaks, Reserves at Hammock Oaks, Boulevard Oaks, Green Key Village, Kh Cw Hammock Oaks Llc. The housing stock skews newer: 37% of homes sold were built in 2015 or later and 7% before 1980.
Getting around from Lady Lake
Measured from the center of Lady Lake’s recent sales: Ocala is about 22 miles; Downtown Orlando is about 42 miles; Orlando International Airport (MCO) is about 51 miles; Gainesville is about 56 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Lake County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Lake County’s typical millage of 16.65; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Lake County average of $1,756/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Lady Lake: the case for and against
What works in Lady Lake’s favor
- prices run 52% below the statewide median in our coverage
- homes move quickly (median 44 days listed), so well-priced homes get competition
- about 19.4 months of supply gives buyers room to negotiate
- 45% of sales are new construction, so builder incentives and warranties are part of the market
- insurance is comparatively manageable here (Citizens average $1,756/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Lady Lake relocation toolkit
- Homes for sale in Lady Lake right now
- Cost of living in Lady Lake
- Best neighborhoods in Lady Lake
- New construction in Lady Lake
- Find an agent in Lady Lake
- Lady Lake ZIP codes with prices
- Search every Lady Lake community
Common questions about moving to Lady Lake
How much does a house cost in Lady Lake, FL?
What does it cost per month to own a home in Lady Lake?
What are property taxes like in Lady Lake?
Is Lady Lake a buyer's or seller's market right now?
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Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Lady Lake communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Lake County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.