What $400K Buys in Sumter County, FL
A $400K budget buys a very different house depending on which Sumter 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 62 homes for sale in Sumter County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 1,773 sq ft, built 2010, at $227/sq ft; 24% of them are new construction and the median has been on the market 39 days. The most house for the money is in Wildwood (2,133 sq ft median); the least in The Villages (1,522 sq ft); the newest in Oxford (median build year 2026).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| The Villages | 28 | 1,522 | 3 / 2 | 2006 | $265 | 0% | 23 |
| Oxford | 19 | 1,910 | 3 / 2 | 2026 | $210 | 63% | 97 |
| Wildwood | 7 | 2,133 | 4 / 2.5 | 2020 | $175 | 43% | 34 |
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 |
|---|---|---|---|---|---|
| 34484 Oxford | 19 | 1,910 | 2026 | $210 | 63% |
| 32162 The Villages | 19 | 1,548 | 2006 | $264 | 0% |
| 34785 Wildwood | 7 | 2,133 | 2020 | $175 | 43% |
| 32163 The Villages | 5 | 1,500 | 2017 | $282 | 0% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Villages/Sumter | THE VILLAGES | 10 | 1,607 | 2007 |
| Grand Oaks Manor | Oxford | 6 | 1,869 | 2026 |
| Villages of Parkwood | Oxford | 3 | 2,547 | 2012 |
| Woodland Crossings | WILDWOOD | 3 | 2,314 | 2026 |
| Enclave At Lakeside Landings | OXFORD | 2 | 1,917 | 2017 |
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 18, 2026; property mix at this price: Single-family 81%. 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 Sumter County: $300K, $500K. Back to homes for sale in Sumter County, FL.