Quick facts
| Fern Park | vs Seminole County | vs Florida | |
|---|---|---|---|
| Population | 7,981 (Census survey) | ||
| Median home value | $346,900 | 10% lower | 3% lower |
| Median gross rent | $1,612 | 10% lower | 3% lower |
| Median household income | $59,428 | 31% lower | 20% lower |
| Owner occupied homes | 63.6% | -2.6 pts | -4.0 pts |
Census survey figures are 2020 to 2024 averages; methods.
Living in Fern Park
Fern Park is a census designated place in Seminole County, unincorporated, so county rules apply.
As an unincorporated area, Fern Park follows Seminole County rules for zoning, permits and short term rentals.
Known for: Unincorporated, governed through Seminole County
Development and roads: The 2020 Census counted 8,205 residents and 3,728 housing units, with 4.9 percent vacant. Source: Wikipedia, Fern Park, Florida, accessed October 29, 2026.
Next to the rest of Seminole County, household incomes are lower ($59,428 vs $85,761); the Census median rent is $1,612, below the county's $1,783; the median value of $346,900 is below the county's $386,900 and fewer homes are owner occupied (63.6% vs 66.2%).
If you like the numbers here, also look at Clearwater ($361,300, $1,658), St. Cloud ($356,200, $1,683), Pompano Beach ($349,300, $1,724).
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 Fern Park
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $346,900 |
Homes cost 5.8 times median household income here (Seminole County 4.5, Florida 4.8).
- Conventional: mortgage insurance drops off as equity builds.
- FHA: $194,387 of room between the median home and the FHA limit.
Investing in Fern Park
Long term rentals
| Fern Park | vs Seminole County | |
|---|---|---|
| Renter occupied homes | 36.4% | +2.6 pts |
Short term rentals
0% of homes are held for seasonal or vacation use (Seminole County 1%).
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 5% |
| State sales tax | 6% plus any county surtax |
Confirm zoning, registration and HOA rules for the exact address. 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.