What $400K Buys in Osceola County, FL
A $400K budget buys a very different house depending on which Osceola County city you point it at. This page compares every city with at least five active listings within 10% of $400K — size, age, bed and bath count, price per square foot, how much of the inventory is new construction and how long it has been sitting — from today’s live MLS actives, and lists the communities with the most homes at that price. It refreshes every night.
There are 624 homes for sale in Osceola County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 1,901 sq ft, built 2019, at $210/sq ft; 20% of them are new construction and the median has been on the market 41 days. The most house for the money is in Harmony (1,918 sq ft median); the least in Reunion (1,755 sq ft); the newest in St. Cloud (median build year 2023).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| Kissimmee | 319 | 1,917 | 4 / 2.5 | 2013 | $208 | 8% | 37 |
| St. Cloud | 221 | 1,850 | 4 / 2 | 2023 | $216 | 43% | 43 |
| Davenport | 44 | 1,914 | 4 / 3 | 2019 | $200 | 5% | 40 |
| Harmony | 22 | 1,918 | 4 / 2 | 2023 | $199 | 9% | 45 |
| Reunion | 9 | 1,755 | 3 / 2.5 | 2007 | $220 | 0% | 91 |
By ZIP code: where $400K goes furthest
The same budget by ZIP — useful where one city covers most of the county.
| ZIP | Homes for sale | Median sq ft | Median year built | $ / sq ft | New construction |
|---|---|---|---|---|---|
| 34747 Kissimmee | 112 | 1,902 | 2015 | $208 | 4% |
| 34772 St. Cloud | 94 | 1,895 | 2024 | $209 | 45% |
| 34746 Kissimmee | 90 | 1,935 | 2008 | $204 | 6% |
| 34771 St. Cloud | 75 | 1,819 | 2023 | $222 | 35% |
| 34773 St. Cloud | 63 | 1,830 | 2025 | $213 | 48% |
| 34744 Kissimmee | 59 | 1,802 | 2020 | $219 | 14% |
| 33896 Davenport | 47 | 1,914 | 2019 | $201 | 4% |
| 34758 Kissimmee | 34 | 2,375 | 2006 | $164 | 15% |
| 34741 Kissimmee | 20 | 1,732 | 2015 | $223 | 10% |
| 34743 Kissimmee | 14 | 1,731 | 1999 | $229 | 0% |
| 34769 St. Cloud | 12 | 1,705 | 2006 | $241 | 0% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Harmony Central Harmony | ST CLOUD | 23 | 1,820 | 2026 |
| Tohoqua | KISSIMMEE | 19 | 1,802 | 2022 |
| Buena Lago | ST CLOUD | 18 | 1,828 | 2025 |
| Windsor At Westside | KISSIMMEE | 18 | 2,263 | 2018 |
| Stoneybrook South North | DAVENPORT | 15 | 1,914 | 2019 |
| Harmony West | ST CLOUD | 15 | 2,020 | 2025 |
| stoneybrook south | Davenport | 14 | 1,958 | 2016 |
| Magic Village | KISSIMMEE | 10 | 2,332 | 2016 |
| Kindred | KISSIMMEE | 10 | 1,672 | 2022 |
| Encantada | KISSIMMEE | 9 | 1,636 | 2006 |
| windsor hills | Kissimmee | 9 | 1,440 | 2005 |
| villages at harmony | St Cloud | 8 | 1,829 | 2023 |
| esprit | St Cloud | 8 | 1,931 | 2012 |
| Paradise Palms Resort | Kissimmee | 8 | 2,024 | 2012 |
| Bellaviva | DAVENPORT | 7 | 1,666 | 2023 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of September 15, 2026; property mix at this price: Single-family 71%, Townhouse 23%, Condo 3%. Cities with fewer than five listings in the band are folded out of the city table but still count in the county total. Prices are asking prices, not closings — see the county page for sale-to-list ratios. Source: live MLS feeds compiled by Momentum Research. Other budgets in Osceola County: $300K, $500K, $750K, $1M. Back to homes for sale in Osceola County, FL.