Cost of Living in Osceola County, Florida
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Osceola County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Osceola County ranks #3,011 of 3,144 counties for affordability (bottom 4%)
Data Story
About Cost of Living in Osceola County, Florida
Osceola rents hit harder than US average
Osceola County renters spend 28.8% of their income on rent, notably above the national benchmark of roughly 30% at affordability limits. The county's median household income of $68,711 trails the national median by $6,044, making housing costs feel heavier on local wallets.
More expensive than most Florida counties
At 28.8% of income, Osceola's rent-to-income ratio exceeds Florida's state average of 22.5%, placing the county among the pricier markets in the state. Median rent of $1,651 runs $418 higher than the state average, reflecting Orlando-area growth pressures.
Pricier than Polk, cheaper than Palm Beach
Osceola renters pay $1,651 monthly—$379 more than neighboring Polk County but $167 less than Palm Beach County. Among the central Florida corridor, Osceola sits firmly in the middle for cost but carries one of the higher affordability burdens due to relatively modest incomes.
Housing eats 54% of monthly expenses
Renters spend $1,651 monthly while homeowners carry $1,427 in mortgage payments, and combined they represent nearly 32% of the median household income of $68,711. That leaves Osceola households roughly $3,600 monthly for all other expenses after housing.
Relocating? Compare your budget here
If you're considering a move to Osceola, expect to allocate 29% of income to rent—significantly more than Santa Rosa County's 19.5% but less than Palm Beach's 26.9%. Use these figures to model your housing budget against local job opportunities and quality of life factors.
Cost of Living Advisory: Osceola County
Affordability Verdict
Osceola County offers moderately affordable rental housing at a median of $1,651/month — about 28.8% of the typical household income here.
Rent vs. Own
Renters in Osceola County pay $1,651/month on average, compared to $1,427/month for homeowners. This market favors buyers by about 14%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $66,040/year. For owner costs at the 28% rule, the required income is roughly $61,157/year. With a median household income of $68,711, most households can comfortably afford rent here. Notably, 37.0% of renter households in Osceola County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Florida, Osceola County is more affordable than Lee County by roughly 3% ($1,651/mo vs $1,597/mo).
Affordability Calculator
See how your income compares to housing costs in Osceola County
Rent Burden
28.8%
of gross income
Max Housing (28% Rule)
$1,603
per month
Owner Cost Burden
24.9%
of gross income
The median home in Osceola County may be a stretch
Median home value is $317,600. Estimated monthly cost: $2,536 vs. your max of $1,603.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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