Osceola County Homes for Sale

Central Florida · county seat Kissimmee · 406,943 residents

Osceola County is Kissimmee, St. Cloud, and the vacation-home corridor at Disney's southern doorstep — a fast-growing, affordable, and increasingly diversifying market as the NeoCity semiconductor hub aims to push it beyond tourism.

4,112 homes for saleMedian $364KBuyer's MarketCentral Florida
Live Market Pulse
40/100
Momentum
Buyer's Market
Buyer 7/10 · Seller 3/10 · Investor 5/10. Among the most affordable doorsteps to Disney, with heavy new construction and a large short-term-rental segment — strong selection for buyers and investors alike.
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Built fromZillow & Realtor.com datarealMLS listingsCensus & IRSUpdated monthly
LiveMarket PulseApril 2026
$364K
Median Value
-4.3%
1-Yr Price
81days
Avg DOM
19.6%
Price Cuts
Soft
Seller Leverage
$211/sf
Median $/Sqft
4,112
For Sale
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Osceola County is Kissimmee, St. Cloud, and the vacation-home corridor at Disney's southern doorstep — a fast-growing, affordable, and increasingly diversifying market as the NeoCity semiconductor hub aims to push it beyond tourism. It is Central Florida's value-and-vacation-rental county. For buyers that means real negotiating room; for sellers, sharp pricing and a willingness to offer a concession. The county median is a starting point — the number that matters is the one for a specific home in a specific Osceola County neighborhood, which is what we price against live comps."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Osceola County snapshot (April 2026): typical home value $364K ($211/sqft), median rent $2,115, about 4,112 active listings, a median 81 days on market, and 19.6% of listings cutting price — a buyer's market. Values are -4.3% over the past year and +5.5% over five years.

Tourism is the historic engine — Osceola sits at Disney's southern edge and feeds the theme-park, hotel, and vacation-rental economy — but the county is deliberately diversifying. NeoCity, a 500-acre semiconductor-and-advanced-tech campus in Kissimmee, is attracting high-wage investment, while AdventHealth and Osceola Regional anchor healthcare and Orlando's job market is a short drive north.

Entry
under $255K

Condos, townhomes, and starter homes — the lowest-cost way into Osceola County and its school zones.

Core
$255K–$473K

The heart of the market: established single-family homes and newer planned-community product.

Top
$473K+

Luxury, waterfront, acreage, and custom homes — the county's strongest-resale tier.

Rolled-up counts and medians from Realtor.com, April 2026. Price bands are typical ranges for orientation, not an appraisal.

Osceola County Market Scorecard

Buyer's Market

Osceola County is a buyer's market: about 4,112 active listings, a median list price of $415,000, 19.6% of them cutting price, and homes going under contract in about 81 days.

$364K
Typical value
1,008
New / mo
$211
$/sqft
81
Days on mkt
19.6%
Cut price
$2,115
Median rent
Typical home value · last 13 months $364K

Go deeper: county scorecard · all 67 counties · true cost calculator · affordability calculator.

Typical value & rent: Zillow Research. Listings & days on market: Realtor.com, April 2026. Market metrics describe homes for sale and recent sales, not residents.

Should You Buy, Sell, or Invest Here?

7/10
Buyer

Among the most affordable doorsteps to Disney, with heavy new construction and a large short-term-rental segment — strong selection for buyers and investors alike.

3/10
Seller

Tourism and migration keep demand active, but a big vacation-home and new-build pipeline rewards sharp pricing.

5/10
Investor

One of the country's premier short-term-rental markets given the proximity to Disney — underwrite STR zoning carefully, as resort-zoned communities are built for it.

Cash offer
~$327K
  • Close in as little as 7–14 days
  • No repairs, cleaning, or showings
  • No financing fall-through
  • Pick your move-out date
List with Momentum
~$364Ktypical value
  • Often nets more, even after commission
  • Sells 1.25% above MLS average, 8 days faster
  • Full marketing & negotiation
  • We front the prep with our concierge

Figures are illustrative ranges, not an offer. Your actual cash offer and net-to-seller depend on the home's condition, location, and current Osceola County demand. Compare both at our Osceola County cash-offer page.

Schools in Osceola County

The School District of Osceola County is growing rapidly, and its NeoCity Academy magnet has rocketed up the rankings to become one of the top public high schools in Florida.

  • NeoCity Academy (top-ranked magnet)
  • Harmony High School
  • Tohopekaliga High School
  • St. Cloud High School

NeoCity Academy is a magnet with an application process; for most homes, confirm the zoned assignment in this fast-growing district. See school-zone guides →

Taxes, Insurance & Cost to Own

A median-priced Osceola County home costs about $2,628/month all-in (mortgage, tax, and insurance, 10% down) against median household income of $68,711. Florida's homestead exemption removes up to $50,000 of assessed value, and Save Our Homes caps annual assessed-value increases at 3% while you keep the homestead.

Typical property-tax millage15.233 mills (~1.52% before exemptions)
Avg. homeowners insurance$1,735/yr (Citizens county avg)
Homestead exemptionUp to $50,000 + 3% Save Our Homes cap
Est. all-in monthly (PITI)$2,628/mo on a $364K home
Income to buy median home$105,140/yr (est.)

At about $1,735 a year on average, Osceola is middle-of-the-pack for Florida — manageable, but very address-dependent near the water. Wind-mitigation features earn insurance credits; flood insurance is priced separately by address. Run your own numbers with the true cost calculator.

New Construction in Osceola County

Builders pulled 7,366 residential permits last year (-16.4% YoY) — 5,085 single-family and 2,281 multifamily, about 18.1 per 1,000 residents. Active master-planned communities include Celebration; Tohoqua (Kissimmee); Kindred; Harmony; Twin Lakes (Del Webb, 55+); ChampionsGate-area vacation communities. Builders compete on rate buydowns and closing-cost credits; buyer representation matters even on a new build. See active builders →

Population & Migration

Osceola County has about 406,943 residents. On a net domestic basis it gained roughly 5,703 people and a net +$299.46M in adjusted gross income in the latest IRS filing year (county-to-county moves within the U.S.; this does not count international migration or births). Domestic arrivals are led by NY, NJ, TX, MA. Migration is the demand engine behind prices: when more income flows in than out, it supports both rents and values.

12-Month Forecast

Expect Osceola to keep growing on affordability, migration, and the parks, with NeoCity adding higher-wage jobs over time. Near-term price growth stays modest given heavy vacation-home and new construction; STR policy is the key variable for investors.

KissimmeeCounty seat; the tourism corridor, NeoCity, and affordable housing.
St. CloudFast-growing, family-oriented city on East Lake Toho with newer communities.
PoincianaLarge, affordable master-planned area spanning into Polk County.
CelebrationDisney-built new-urbanist town with top demand.
HarmonyConservation-focused master plan in the east county.

Economy & Major Employers

Tourism is the historic engine — Osceola sits at Disney's southern edge and feeds the theme-park, hotel, and vacation-rental economy — but the county is deliberately diversifying. NeoCity, a 500-acre semiconductor-and-advanced-tech campus in Kissimmee, is attracting high-wage investment, while AdventHealth and Osceola Regional anchor healthcare and Orlando's job market is a short drive north.

  • Walt Disney World and area theme parks
  • School District of Osceola County
  • AdventHealth Kissimmee
  • Osceola Regional Medical Center
  • NeoCity (semiconductor/advanced-tech campus)
  • Osceola County government
  • vacation-rental and hospitality operators

Osceola is building NeoCity, a 500-acre semiconductor-and-advanced-technology hub, to broaden its economy beyond tourism.

A deep, diversified employer base is what underpins housing demand through national cycles. Talk to a local Osceola County agent →

Master-plannedCelebration, Tohoqua (Kissimmee), Kindred, Harmony, Twin Lakes (Del Webb, 55+), ChampionsGate-area vacation communities
GolfCelebration Golf Club, Reunion Resort (nearby), Harmony Golf Preserve
WaterfrontEast Lake Tohopekaliga (St. Cloud), Lake Toho (Kissimmee)
LuxuryCelebration, Bellalago, Reunion-area estates
55+ / active adultTwin Lakes (Del Webb), Solivita (nearby Poinciana)

Lifestyle in Osceola County

Osceola is defined by its proximity to the parks — Disney, the Kissimmee tourism corridor, and a huge vacation-rental market — plus the bass-fishing lakes of the Kissimmee Chain (Lake Toho), the new-urbanist charm of Celebration, and Old Town's classic Florida tourism. NeoCity is adding a high-tech dimension to a county long defined by hospitality.

Risks to Weigh

Osceola's risks are tourism cyclicality and short-term-rental regulation, affordability creeping up from a low base, inland lake flooding, and rapid-growth strain on infrastructure. It is inland, so hurricane risk is wind-and-rain rather than surge, and insurance is more moderate than the coast.

Osceola County Real Estate FAQ

What is the median home price in Osceola County?
The typical Osceola County home is worth about $364K as of April 2026 (Zillow ZHVI), -4.3% over the past year. The median list price is similar; individual neighborhoods range widely around that figure.
Is Osceola County a buyer's or seller's market?
As of April 2026, Osceola County is a buyer's market. Homes are taking a median of 81 days to sell, and inventory has rebuilt from its lows, giving buyers more room to negotiate than in recent years.
Is Osceola County expensive?
Osceola County's price-to-income ratio is about 5.3×, which is around the typical Florida county. The bigger cost surprises for newcomers are property insurance and, in newer communities, CDD fees — not the sticker price.
What is the average rent in Osceola County?
The median rent is about $2,115 a month (Zillow ZORI). Against the typical home value, that is a gross rental yield near 7.0%.
Are property taxes high in Osceola County?
The typical millage is about 15.233 mills, or roughly 1.52% of taxable value before exemptions. Florida's $50,000 homestead exemption and the Save Our Homes 3% assessment cap meaningfully lower the bill for owner-occupants.
How much is homeowners insurance in Osceola County?
The Citizens county-average premium is about $1,735 a year, but your actual cost depends heavily on the home's age, roof, construction, and flood zone. Wind-mitigation credits can lower it; flood insurance is priced separately by address.
Is Osceola County a good place to invest in real estate?
One of the country's premier short-term-rental markets given the proximity to Disney — underwrite STR zoning carefully, as resort-zoned communities are built for it.
Is Osceola County growing?
Osceola County has about 406,943 residents and is still drawing net in-migration of people and income. Migration and jobs are the forces most likely to support prices through the rate cycle.
How long do homes take to sell in Osceola County?
A median of about 81 days on market as of April 2026, longer than the 2021-2022 frenzy and a sign of today's more balanced conditions.
What are the best areas to live in Osceola County?
The county seat, Kissimmee, anchors the market, and the right area depends on whether you prioritize schools, commute, the water, or new construction. Our neighborhood guides map each on price, schools, and lifestyle.
What is the price per square foot in Osceola County?
Listings in Osceola County are priced around the area's median per-square-foot rate as of April 2026; smaller, older, and inland homes run below it, while new construction and waterfront run above. Per-square-foot is most useful within a single neighborhood, not across the whole county.
How much income do I need to buy a home in Osceola County?
As a rough rule, a buyer needs household income roughly in line with the county's price-to-income ratio of 5.3× the home price, keeping total housing costs near 30% of income. Median household income here is $68,711. A lender pre-approval gives you the exact figure for your situation.
Is now a good time to buy in Osceola County?
It depends on your horizon. For buyers planning to stay several years, today's buyer's market conditions — more inventory and routine price cuts — offer better terms than the 2021-2022 peak. For short-term flips, flat appreciation makes the math tight. The right answer is specific to the home and your timeline.
Do I need flood insurance in Osceola County?
It depends on the address. Homes in FEMA high-risk flood zones (A or V) typically require flood insurance with a federally backed mortgage, and even outside those zones it can be worth carrying in low-lying or coastal parts of Osceola County. Flood premiums are priced separately by address under FEMA Risk Rating 2.0, so always check the flood zone before you buy.
Is Osceola County a good place to retire?
Florida's lack of a state income tax and the homestead/Save Our Homes protections make Osceola County attractive for retirees on a fixed income, especially in its 55+ and lower-maintenance communities. Weigh that against insurance costs and proximity to healthcare when you choose a specific area.
How fast are home prices rising in Osceola County?
Over the past year, the typical Osceola County home value moved -4.3%. Over five years it is +5.5% and over ten years +6.8% — so the long-run trend is up even though near-term growth has cooled.
What is the cost of living in Osceola County?
Housing, insurance, and property tax are the main local cost drivers; Florida charges no state income tax. A median-priced home runs about $2,628 a month all-in (mortgage, tax, and insurance), against median household income of $68,711 a year. Utilities, transportation, and healthcare track close to state averages.
What are the risks of buying in Osceola County?
The main ones are hurricane and flood exposure (which drive insurance costs), rising premiums statewide, and — in fast-growing submarkets — overbuilding that can soften resale and rents. On older condos, ask about reserves and special assessments. None are dealbreakers, but all belong in your budget before you offer.
Is Osceola County good for real estate investors?
Osceola County's estimated cap rate is about 7.0% with a gross yield near 7.0%, so it leans cash-flow-friendly. Net migration and the local job base are the demand signals that matter most for landlords here.
What counties are near Osceola County?
See the 'Explore more' section on this page for direct links to the neighboring county market reports, plus the full set of scorecards for all 67 Florida counties.
Has inventory in Osceola County gone up?
Yes — active listings are -1.5% versus a year ago. That rebuild from pandemic-era lows is the single biggest reason buyers have more leverage now than they did in 2021-2022.
Is Osceola County good for a vacation / short-term-rental home?
It is one of the strongest short-term-rental markets in the country because of its proximity to Disney, with whole resort-zoned communities (around ChampionsGate, Reunion, and the Kissimmee corridor) purpose-built for vacation rentals. Most standard residential areas, however, restrict short-term rentals, so confirm the specific community's STR zoning and HOA rules before you buy.

or call (904) 351-6461 · jon@movewithmomentum.com