Moving to Lady Lake, Florida: The 2026 Data Guide

By Jon Brooks, Co-Founder, Momentum Realty · Updated September 28, 2026

As of 2026-09-28, the median home sold in Lady Lake, Florida over the last 12 months went for $250,000 (309 closings across 90 communities in Momentum’s MLS record), about $165 per square foot for a median 1,566-sq-ft home built around 2004. Homes currently listed have been on the market a median of 33 days, and with 189 active listings against that sales pace the city is carrying roughly 7.3 months of supply. Sellers have been getting about 93% of their original asking price. That median is 38% below the median across Momentum’s Florida and Georgia coverage.

$250,000

Median sale (12 mo)

$165

Price per sq ft

$1,758

Est. monthly cost to own

33 days

Days listed (median)

7.3

Months of supply

35%

New construction share

Lady Lake right now — September 2026

$231,500

Median sale price (12 mo), +3.7% YoY

106

Homes for sale today

46 days

Median days on market

4.4 mo

Months of supply

$1,226

P&I on the median, 20% down at 6.95%

Live pages for your move: 178 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 September 28, 2026.

What your budget buys in Lady Lake

Three price points from 194 recent Lady Lake closings in our record, each showing what actually closed within 10% of that price:

Around $224,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,280 sq ft, built around 1991 (25 sales).
Around $250,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,421 sq ft, built around 1997 (29 sales).
Around $403,314: the typical sale in this band was a 3-bed, 2-bath home of about 1,780 sq ft, built around 2006 (33 sales).

The real monthly cost of owning in Lady Lake

Take the median $250,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $1,335/month. Lake County’s typical total millage is 16.65 mills, so after the $50,000 homestead exemption the property tax is roughly $3,329/year ($277/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. 40% of current Lady Lake listings carry an HOA, with a median of $165/month where one applies. All in, budget on the order of $1,758/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	91	$210,000	33
Harbor Hills	41	$500,000	58
Reserves at Hammock Oaks	37	$312,990	27
Green Key Village	29	$329,990	21
The Reserve at Hammock Oaks	17	$249,784	120
Orange Blossom Gardens	16	$175,000	63
The Villages	12	$320,500	82
Carlton Village Park	10	$247,500	104

Lady Lake by ZIP code

Sales and medians by ZIP over the same 12 months: 32159 (186 sales, median $308,495).

What’s for sale: property types, new construction, and age of homes

Of the last 12 months of sales, 78% were single-family homes, 8% townhomes or villas. New construction accounted for 35% of closings, led by Reserves at Hammock Oaks, Green Key Village, The Reserve at Hammock Oaks, Kh Cw Hammock Oaks Llc, hammock oaks. The housing stock skews newer: 39% of homes sold were built in 2015 or later and 8% before 1980.

Getting around from Lady Lake

Measured from the center of Lady Lake’s recent sales: Ocala is about 23 miles; Downtown Orlando is about 42 miles; Orlando International Airport (MCO) is about 50 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 38% below the statewide median in our coverage
homes move quickly (median 33 days listed), so well-priced homes get competition
about 7.3 months of supply gives buyers room to negotiate
35% 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

Common questions about moving to Lady Lake

How much does a house cost in Lady Lake, FL?

The median sale over the last 12 months was $250,000 (309 closings), about $165 per square foot. Among recent closings in our record a quarter sold under $224,000 and a quarter over $403,314.

What does it cost per month to own a home in Lady Lake?

For the median $250,000 home with 20% down at 7.03%, roughly $1,758 per month including principal, interest, Lake County property tax after the homestead exemption, insurance.

What are property taxes like in Lady Lake?

Lake County's typical total millage is 16.65 mills. On the median home that is about $3,329 a year for a new owner after the $50,000 homestead exemption; the assessment resets at purchase, so the seller's bill is not a guide.

Is Lady Lake a buyer's or seller's market right now?

With about 7.3 months of supply and a median 33 days on market for current listings, conditions favor buyers.

Is there a lot of new construction in Lady Lake?

New construction was 35% of sales in the last 12 months, concentrated in Reserves at Hammock Oaks, Green Key Village, The Reserve at Hammock Oaks, Kh Cw Hammock Oaks Llc, hammock oaks.

Does Florida have a state income tax?

No. Florida has no state income tax, including on retirement income, and the Save Our Homes cap limits how fast a homesteaded assessment can rise.

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.