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Florida Mortgage Brokerage

Osceola County

Mortgage options in Kissimmee

Published market figures for Kissimmee, with the source and period for each, and the loan programs most relevant here.

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Market data

The Kissimmee market, with its sources

Published figures for this market, each with the geography it measures, the period it covers and the source it came from. Where a figure covers a wider metro area than this page, it says so.

A median sale price is not a valuation, a closed-sales count is not a count of mortgages written, and neither is an indication of what any lender will approve. Figures are as reported on the date shown and are not updated continuously.

What is different here

What those figures mean in Kissimmee

Each point below reads the figures above rather than restating them. They are the things that are true of this market and not of Florida generally.

  1. Osceola County has the highest FHA share of any county this site publishes: 3,286 of 11,546 reported originations in 2025, or 28.5%. That is nearly double neighbouring Orange County's 15.1%.

  2. Both counties share the Orlando-Kissimmee-Sanford MSA median of $441,860 and the same $541,287 FHA limit, so the difference in FHA reliance is not explained by prices or limits. It reflects who is buying — and it makes FHA's mortgage insurance, which is paid upfront and then monthly, a central cost question here rather than a footnote.

  3. VA is small in this county at 982 originations, or 8.5%, against conventional's 63.0%.

  4. Short-term rental income is the thing to settle before anything else is priced. Whether a property may be let short-term is decided by local ordinance and, separately, by any homeowners association — not by the lender. Whether that income can be used to qualify is decided by the loan programme, and the answer on an agency loan is frequently that it cannot. Those are three separate permissions and all three have to hold before a short-term rental plan is financeable as one.

  5. The metro's attached segment weakened in September 2026: 620 closed condo and townhouse sales, down 7.6%, at a median of $285,000, down 3.7%.

Start here instead

Pathways that apply anywhere in Florida

These explain how each program works anywhere in Florida. The market pages above cover what changes locally.