Quick facts
| Chuluota | vs Seminole County | vs Florida | |
|---|---|---|---|
| Population | 2,187 (Census survey) | ||
| Median home value | $362,100 | 6% lower | 1% higher |
| Median gross rent | $1,693 | 5% lower | 1% higher |
| Median household income | $97,688 | 14% higher | 31% higher |
| Owner occupied homes | 77.7% | +11.5 pts | +10.1 pts |
Census survey figures are 2020 to 2024 averages; methods.
Living in Chuluota
Chuluota is an unincorporated community and census designated place in Seminole County.
As an unincorporated area, Chuluota follows Seminole County rules for zoning, permits and short term rentals.
Known for: Former 1925 elementary school is now VFW Post 10139 and the community center; Henry Flagler land company formed around 1892
Getting around and growth: The 2020 Census counted 2,524 residents. The Great Freeze of 1894 to 1895 hurt the citrus industry here. Source: Wikipedia, Chuluota, Florida, accessed October 29, 2026.
Compared with Seminole County as a whole, more homes are owner occupied (77.7% vs 66.2%); household incomes are higher ($97,688 vs $85,761); homes are cheaper than the county median ($362,100 vs $386,900) and Census median rent runs lower ($1,693 vs $1,783 countywide).
Cities with similar prices and rents: North Miami ($365,000, $1,702), St. Cloud ($356,200, $1,683), Clearwater ($361,300, $1,658).
Growth and housing
The Census does not publish yearly estimates for unincorporated places, so growth here is read from housing age and the county trend. Seminole County grew 4.5% from 2020 to 2025.
The housing mix is 0% detached houses and 0% larger buildings.
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $3,545 a year |
Buying a home in Chuluota
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $362,100 |
Price to income: 3.7x, compared with 4.5x for the county.
- Conventional: the default for buyers with solid credit and 5% or more down.
- FHA: the Chuluota median of $362,100 fits under the $541,287 limit.
Investing in Chuluota
Long term rentals
| Chuluota | vs Seminole County | |
|---|---|---|
| Renter occupied homes | 22.3% | -11.5 pts |
Short term rentals
Seasonal and vacation homes: 0% of the stock, against 1% countywide.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 5% |
| State sales tax | 6% plus any county surtax |
Get the zoning and HOA answer in writing before you count on nightly income. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 0% |
| Buildings with 5+ units | 0% |
| Manufactured homes | 0% |
Nearby
Other Florida markets
Sources
- U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
- U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
- U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
- FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
- LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
- Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
- Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
- Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
- Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
- Wikipedia: List of counties in Florida. checked October 2026.
- U.S. Census Bureau county adjacency file. 2024.
- Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
- Hurricane landfalls: Wikipedia, List of Florida hurricanes (2000 to present). checked October 2026.
Estimates from public data; they change over time. General information, not investment, tax or legal advice, and not a loan offer. Methods and assumptions.