Region
Central Florida
Orlando, Kissimmee and the Polk County corridor — the state's largest short-term-rental market alongside a large affordable-purchase market.
Markets
6 markets in Central Florida
Market figures are verified for 6 of them. A market without a page is one where the data is confirmed but the local detail a useful page needs has not been written — we would rather say that than publish a template.
Lakeland
Polk County
Median single-family sale $325,000
Lakeland-Winter Haven MSA · September 2026
Polk County
Polk County
Median single-family sale $325,000
Lakeland-Winter Haven MSA · September 2026
Ocala
Marion County
Median single-family sale $280,640
Ocala MSA · September 2026
Orlando
Orange County
Median single-family sale $441,860
Orlando-Kissimmee-Sanford MSA · September 2026
Kissimmee
Osceola County
Median single-family sale $441,860
Orlando-Kissimmee-Sanford MSA · September 2026
The Villages
Sumter County
Median single-family sale $365,000
The Villages MSA · September 2026
Programs
What borrowers in Central Florida most often need
Taken from the programs each market in this region prioritises, not from a guess about the region as a whole.
FHA loans
An FHA loan is a mortgage insured by the Federal Housing Administration, part of HUD. The insurance is what allows lenders to accept a lower down payment and a wider range of credit profiles than conventional financing typically does.
Read moreFirst-time homebuyer financing
There is no single "first-time homebuyer loan." The term describes a borrower, not a product, and it unlocks certain assistance programs rather than a particular mortgage.
Read moreUSDA loans
USDA Rural Development guaranteed loans allow eligible buyers to purchase in designated areas with no down payment. Eligibility has two separate tests: the property's location and the household's income.
Read more
What this page is
A map, not a market report
This page groups markets so they are easy to navigate. It does not carry its own analysis, because the useful analysis is local and belongs on the market pages themselves.
Being listed here is not a statement that we have an office in a market, that any particular program is available there, or that any lender will approve a file in it. It is a statement about where our content covers.
Talk it through before you start shopping
Bring your situation, not your paperwork. A first conversation is about which programs actually fit and what the numbers look like — no documents, no credit pull, no commitment.