Ocoee today
| Typical value | Typical rent | Gross yield | |
|---|---|---|---|
| Single family house | $417,000 | $2,740 | 7.9% |
| Condo or townhome (apartment rent) | $194,000 | $1,980 | 12.2% |
What this means
Values in Ocoee are about flat (−0.9% in a year), now 5.3% below the Jul 2024 peak.
For a typical house, a year of rent equals 7.9% of value, close to the Florida house figure of 8.1%. Run the calculator below with the real numbers.
Builders are pulling back: 113 homes permitted so far in 2026, down 73%.
Treat these as area figures and confirm rent with comps. Sources and method: how these figures are built.
Quick facts
| Ocoee | vs Orange County | vs Florida | |
|---|---|---|---|
| Population | 51,932 (2025 estimate) | ||
| Growth since 2020 | 9.7% | +2.8 pts | +0.8 pts |
| Median home value | $406,400 | 4% higher | 13% higher |
| Median gross rent | $1,946 | 10% higher | 17% higher |
| Median household income | $98,911 | 24% higher | 33% higher |
| Gross rent yield | 5.75% | +0.3 pts | +0.2 pts |
| Owner occupied homes | 73.2% | +16.4 pts | +5.6 pts |
| Residents 65 and older | 11.5% | −1.5 pts | −9.8 pts |
| Average commute (minutes) | 30 | 9% higher | 9% higher |
| Homes built 2010 or later | 27.6% | +8.3 pts | +13.4 pts |
| Median property tax paid | $3,275 | 10% higher | 20% higher |
Census survey figures are 2020 to 2024 averages; methods.
Living in Ocoee
West Orange County city around Starke Lake near Orlando, incorporated as a city in 1925.
As an incorporated city, Ocoee sets its own zoning inside Orange County.
Known for: Withers Maguire House; Starke Lake
State Road 50, the Turnpike and State Road 429 (2000) drove its growth.
Against the Orange County averages, more homes are owner occupied (73.2% vs 56.8%); less of the housing is in apartment and condo buildings (13.4% vs 29.9%); households are larger (3.13 vs 2.72 people) and household incomes are higher ($98,911 vs $79,719).
Ranked against 150 Florida cities: number 65 by home value, 59 by gross rent yield, 27 by income.
Closest matches on price and rent: Kendale Lakes ($404,500, $1,968), Meadow Woods ($401,000, $1,906), Valrico ($393,700, $1,937).
Growth and housing
Ocoee changed 9.7% in population from 2020 to 2025 (county 6.9%, Florida 8.9%).
| 2025 building permits | Ocoee |
|---|---|
| Single family | 167 |
| 5 or more units | 300 |
| Total units | 467 |
| Per 1,000 residents | 9.0 |
27.6% of homes are 2010 or newer, so HOA dues and CDD assessments are common. CDD fees
Half the homes are older than 2000. Detached houses dominate (77.5% of homes). Households average 3.13 people.
Out of state arrivals: 2.5% of residents a year, versus 2.6% countywide.
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $3,610 a year |
Flood, storms and jobs
Flood premiums in Ocoee get a 20% discount in high risk zones because the city holds CRS class 6. 24 flood claims ($225,436) have come from Ocoee since 2000. The Orange County guide covers storms, flood claims and employers; 2.3% of county homes are in high risk flood zones.
Buying a home in Ocoee
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $406,400 |
Price to income: 4.1x, compared with 4.9x for the county.
- Conventional: the most common loan in Orange County.
- FHA: works for the typical $406,400 home here.
Sample FHA payment at $406,400
| Item | Monthly |
|---|---|
| Principal and interest (7.32%, 3.5% down) | $2,741 |
| Property tax (0.81%) | $274 |
| Insurance (county average) | $301 |
| FHA mortgage insurance | $183 |
| Total before HOA or CDD | $3,499 |
| Income needed at a 45% debt ratio | $93,311 a year |
Example, not a quote. Assumptions. Down payment help: Florida Housing.
Investing in Ocoee
| Rental math at the median | Value |
|---|---|
| Price / rent | $406,400 / $1,946 |
| Estimated net cap rate | 2.7% to 3.5% |
| DSCR at 25% down | 0.73 |
| Down payment for DSCR 1.0 | 51% down |
| Down payment for DSCR 1.25 | 65% down |
Long term rentals
| Ocoee | vs Orange County | |
|---|---|---|
| Renter occupied homes | 26.8% | −16.4 pts |
| Rental vacancy | 7.2% | −2.1 pts |
| Rent as share of renter income | 34.8% | same |
Short term rentals
0.3% of homes are held for seasonal or vacation use (Orange County 2.4%).
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 6% |
| 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 | 77.5% |
| Buildings with 5+ units | 13.4% |
| Manufactured homes | 2.3% |
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.
- Wikipedia article for this place (history, setting, roads). checked October 2026.
- Zillow Observed Rent Index (ZORI), all homes and apartments, smoothed. September 2026.
- Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
- Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
- U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
- FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
- FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
- FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
- FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
- U.S. Census Bureau, County Business Patterns 2023. 2023.
- U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
- 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.