Orlando FHA Loan Rates, Closing Costs & Stats

ORLANDO-KISSIMMEE-SANFORD, FL

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Orlando's 303 lenders originated 9,085 FHA loans during 2022. The total origination value was $2,668,625,000, with an average FHA loan value of $293,740.

Orlando FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Orlando averaged -0.52% for the week of 2024-02-23, compared to the national average (all FHA variants) of 0% for the same period.

Orlando's average FHA mortgage closing costs are $8,907.

The average rate for the prior week (2024-02-16) was 6.42% and one month ago for the week of 2024-01-19, the average rate was 6.36%.

The average rate one year ago was 5.82%.

For refis of the same type during the week of 2024-02-23, the average rate was -1.55%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Orlando FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Orlando level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 978 4.86% $12,376
QUICKEN LOANS, LLC 649 4.31% $12,010
DHI MORTGAGE COMPANY, LTD. 392 4.52% $11,077
LOANDEPOT.COM, LLC 347 4.64% $11,825
CALIBER HOME LOANS, INC. 337 4.50% $12,720
FREEDOM MORTGAGE CORPORATION 219 4.59% $11,528
CROSSCOUNTRY MORTGAGE, LLC 216 5.15% $14,941
PENNYMAC LOAN SERVICES, LLC 204 4.17% $11,829
EAGLE HOME MORTGAGE, LLC 187 4.96% $13,330
Paramount Residential Mortgage Group, Inc. 179 5.14% $14,303
BROKER SOLUTIONS, INC. 165 5.24% $15,353
Mortgage Lenders Investment Trading Corporation 154 4.98% $9,849
Equity Prime Mortgage LLC 143 5.05% $13,497
Flagstar Bank, FSB 130 4.71% $11,760
CARDINAL FINANCIAL 112 4.89% $13,479
THE MORTGAGE FIRM, INC. 108 5.11% $12,117
Mr. Cooper ( Nationstar Mortgage ) 107 4.29% $12,737
MOVEMENT MORTGAGE, LLC 101 5.17% $13,353
Carrington Mortgage Services, LLC 100 4.96% $13,055
AMERIFIRST FINANCIAL CORPORATION 100 5.25% $13,897
Plains Commerce Bank 98 4.74% $11,870
Waterstone Mortgage Corporation 96 5.07% $14,399
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 92 5.15% $11,746
LAKEVIEW LOAN SERVICING, LLC 92 4.21% $7,867
FBC MORTGAGE, LLC 89 4.70% $10,822
South Pacific Financial Corporation 89 4.77% $13,535
KBHS HOME LOANS, LLC 87 4.67% $16,171
PULTE MORTGAGE LLC 81 4.93% $8,599
Hometown Lenders, Inc. 80 5.03% $16,449
AMERISAVE MORTGAGE CORPORATION 75 4.36% $13,047
HOME POINT FINANCIAL CORPORATION 71 4.29% $12,709
Lakeview Community Capital, LLC 70 3.81% $6,791
MY MORTGAGE, INC. 59 5.20% $16,384
HOMEBRIDGE FINANCIAL SERVICES, INC. 57 4.64% $14,161
PLANET HOME LENDING, LLC 56 4.53% $12,570
EVERETT FINANCIAL, INC. 53 5.29% $8,387
NEWREZ LLC 50 4.52% $9,102
HOMEAMERICAN MORTGAGE CORPORATION 46 4.53% $8,300
VELOCIO MORTGAGE L.L.C. 46 4.76% $16,427
Bank of England 44 5.17% $12,749
Nations Lending Corporation 42 5.46% $13,020
Ixonia Bank 42 5.53% $13,061
SUCCESS MORTGAGE PARTNERS, INC. 39 4.60% $12,977
MATTAMY HOME FUNDING, LLC 38 4.44% $13,053
NFM, INC. 38 5.59% $15,927
AMERICAN PACIFIC MORTGAGE CORPORATION 37 5.41% $13,933
LOANPAL, LLC 35 4.19% $16,090
NORTHPOINT MORTGAGE, INC. 34 5.21% $12,574
GUARANTEED RATE, INC. 34 4.99% $12,058
HOMESPIRE MORTGAGE CORPORATION 33 4.85% $13,236
NVR Mortgage Finance, Inc. 33 4.26% $12,940
M/I FINANCIAL, LLC 31 4.94% $13,073
ABSOLUTE HOME MORTGAGE CORPORATION 30 5.67% $14,083
MORTGAGE EQUITY PARTNERS LLC 30 5.09% $13,697
HOME SOLUTION LENDERS INC. 29 4.22% $13,553
CMG MORTGAGE, INC. 29 4.84% $13,757
TOP FLITE FINANCIAL, INC. 28 5.32% $17,736
HOMESIDE FINANCIAL, LLC 28 4.56% $11,832
Christensen Financial, Inc. 28 4.76% $11,557
PLAZA HOME MORTGAGE, INC. 26 4.87% $14,766
MORTGAGE FINANCIAL GROUP, INC. 26 4.96% $10,757
GUILD MORTGAGE COMPANY 25 5.27% $13,764
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 25 5.24% $12,185
PRIMARY RESIDENTIAL MORTGAGE, INC. 23 5.16% $16,922
GENEVA FINANCIAL, LLC 23 5.24% $14,262
FINANCE OF AMERICA MORTGAGE LLC 21 4.27% $13,121
ROUNDPOINT MORTGAGE SERVICING CORPORATION 21 4.45% $11,248
LAND HOME FINANCIAL SERVICES, INC. 21 4.89% $14,108
EMBRACE HOME LOANS, INC. 21 4.66% $11,495
South State Bank 20 4.71% $11,882
AMERICAN FINANCING CORPORATION 19 4.25% $11,459
SUN WEST MORTGAGE COMPANY, INC. 19 4.54% $13,900
JET HOMELOANS, LLC 19 5.19% $13,212
SECURITYNATIONAL MORTGAGE COMPANY 18 4.50% $13,452
Town Square Mortgage & Investments, Inc. 17 5.07% $12,511
GUARANTEED RATE AFFINITY, LLC 17 4.79% $11,562
Bank of America 15 5.11% $7,339
PARK SQUARE HOME MORTGAGE, LLC 15 4.33% $9,305
SOUTHPOINT FINANCIAL SERVICES, INC. 14 5.53% $13,428
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 14 5.28% $12,357
OCMBC, INC. 14 4.98% $14,192
JPMorgan Chase Bank 14 5.09% $8,702
Sierra Pacific Mortgage Company, Inc. 13 4.74% $14,983
VILLAGE CAPITAL MORTGAGE 13 3.87% $10,080
READY MORTGAGE LENDERS, LLC 13 5.31% $19,290
MILEND, INC. 13 5.25% $17,149
Summit Mortgage Corporation 13 5.33% $12,792
BECKAM FUNDING CORP. 12 5.89% $19,794
MICHIGAN MUTUAL, INC. 12 4.91% $14,486
First Heritage Mortgage, LLC 12 5.37% $15,525
ACADEMY MORTGAGE CORPORATION 12 4.85% $10,201
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 11 4.89% $12,463
HAMILTON HOME LOANS, INC. 11 4.42% $13,138
Century Mortgage Company DBA Century Lending Company 11 5.19% $13,796
UNION HOME MORTGAGE CORP. 11 4.81% $11,566
RESIDENTIAL BANCORP 10 4.65% $14,599
BAY EQUITY LLC 10 5.05% $11,016
AMERICAN FINANCIAL RESOURCES, INC. 10 4.89% $13,280
First Guaranty Mortgage Corporation 10 3.88% $10,840
First Home Bank 10 4.79% $11,395
STOCKTON MORTGAGE CORPORATION 10 4.61% $13,238
ALLIED MORTGAGE GROUP, INC. 9 4.07% $14,606
AmeriHome Mortgage Company, LLC 9 4.93% $11,913
PANORAMA MORTGAGE GROUP, LLC 9 4.89% $14,077
US MORTGAGE CORPORATION 9 5.04% $16,223
EMM LOANS LLC 9 4.97% $15,249
Regions Bank 9 5.11% $10,513
MUTUAL OF OMAHA MORTGAGE, INC. 9 5.06% $12,982
Gateway First Bank 8 5.13% $12,459
VANDERBILT MORTGAGE AND FINANCE, INC. 8 4.81% $13,636
ANGEL OAK HOME LOANS LLC 8 5.14% $14,793
TOWNE MORTGAGE COMPANY 8 4.81% $12,773
Total Media Management, LLC 8 4.40% $11,075
Centennial Bank 8 5.36% $11,712
Citizens Bank 8 3.64% $8,953
PRIMELENDING, A PLAINSCAPITAL COMPANY 8 5.04% $12,342
PREMIER MORTGAGE RESOURCES, L.L.C. 8 6.00% $13,006
FIDELITY FUNDING MORTGAGE CORP. 8 5.09% $13,419
ZILLOW HOME LOANS, LLC 8 5.06% $11,127
Mortgage Research Center, LLC 8 4.94% $10,399
MORIA DEVELOPMENT, INC. 7 4.71% $12,689
Hometown Equity Mortgage, LLC 7 4.38% $16,810
WATSON MORTGAGE CORP. 7 5.21% $11,007
NATIONWIDE MORTGAGE BANKERS, INC. 7 4.84% $15,945
INTELLILOAN, INC. 7 4.71% $13,885
AMERICAN BANCSHARES MORTGAGE 7 5.07% $16,697
COLUMBUS CAPITAL LENDING, LLC 7 5.46% $16,488
HOMEOWNERS FINANCIAL GROUP USA, LLC 7 5.23% $13,234
The Federal Savings Bank 6 4.94% $20,029
Barrington Bank & Trust Company, N.A. 6 5.02% $10,880
Wyndham Capital Mortgage, Inc. 6 4.50% $9,156
NETWORK CAPITAL FUNDING CORPORATION 6 3.92% $12,488
MLB RESIDENTIAL LENDING, LLC 6 5.50% $13,063
ACOPIA, LLC 6 5.50% $14,802
NATIONS DIRECT MORTGAGE, LLC 6 4.83% $13,308
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 4.94% $13,314
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 6 4.71% $15,292
Ameris Bank 6 4.38% $9,663
VAN DYK MORTGAGE CORPORATION 6 5.33% $12,863
MORTGAGE SOLUTIONS OF COLORADO, LLC 5 5.45% $16,993
NATIONS RELIABLE LENDING, LLC 5 5.53% $15,382
Northpointe Bank 5 5.38% $11,654
FIRST ALLIANCE HOME MORTGAGE, LLC 5 5.35% $13,932
Fifth Third Bank 5 5.10% $8,511
PNC Bank 5 4.08% $8,569
Prosperity Home Mortgage, LLC 5 5.45% $8,998
CHURCHILL MORTGAGE CORPORATION 5 4.98% $16,249
Truist 5 4.95% $7,915
HOMESTAR FINANCIAL CORPORATION 5 5.20% $12,178
UNITED MORTGAGE CORP 5 4.48% $12,981
INSPIRE HOME LOANS INC. 5 5.80% $12,638
LADERA LENDING, INC. 5 5.23% $16,223
LIBERTY HOME MORTGAGE CORPORATION 5 5.55% $14,724
LEADERONE FINANCIAL CORPORATION 5 5.03% $13,783
JET DIRECT FUNDING CORP 4 5.28% $16,009
AMCAP MORTGAGE, LTD. 4 5.88% $11,657
CERTAINTY HOME LOANS, LLC 4 5.97% $12,069
Financial Freedom Mortgage, LLC 4 4.19% $11,828
First Option Mortgage, LLC 4 5.53% $12,235
GSF Mortgage Corporation 4 5.28% $15,545
HUNT MORTGAGE CORPORATION 4 4.06% $8,039
LOANLEADERS OF AMERICA, INC. 4 5.09% $18,454
Loan Simple, Inc. 4 5.84% $13,321
NP, Inc. 4 4.66% $16,511
RELIANCE FIRST CAPITAL, LLC 4 5.03% $11,277
The Home Loan Expert LLC 4 6.66% $15,187
TruHome Solutions, LLC 4 4.66% $10,917
U.S. Bank 4 4.38% $10,515
First Federal Bank 3 4.67% $10,160
ENVOY MORTGAGE, LTD 3 3.21% $13,350
OPEN MORTGAGE, LLC 3 4.54% $14,740
DIRECT MORTGAGE LOANS, LLC 3 4.92% $15,087
Strong Home Mortgage, LLC 3 5.41% $8,467
Wells Fargo Bank 3 5.04% $10,492
Cornerstone First Mortgage, Inc 3 5.79% $16,946
A&D Mortgage LLC 3 4.46% $15,138
PENTAGON FEDERAL CREDIT UNION 3 4.50% $6,910
T2 FINANCIAL LLC 3 5.00% $15,090
AMERICAN PORTFOLIO MORTGAGE CORPORATION 3 4.92% $11,081
Goldwater Bank, N.A. 3 6.42% $12,036
VERITAS FUNDING, LLC 3 5.13% $16,906
Neighborhood Loans, Inc. 3 3.50% $9,009
SHELTER HOME MORTGAGE, LLC 3 5.33% $14,310
TOTAL MORTGAGE SERVICES, LLC 3 4.83% $15,179
FIRST MORTGAGE COMPANY, INC. 3 4.46% $14,294
1ST FINANCIAL, INC. 3 5.92% $20,678
First Horizon Bank 3 5.29% $12,682
VYSTAR 3 5.71% $7,913
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 5.96% $9,653
RADIUS FINANCIAL GROUP INC. 3 5.04% $15,872
UNIVERSITY LENDING GROUP, LLC 2 4.75% $12,067
APEX HOME LOANS, INC. 2 4.06% $7,703
Amerifirst Financial, Inc. 2 4.38% $8,473
FIRST COMMUNITY MORTGAGE, INC. 2 5.94% $14,512
LAKE MICHIGAN CREDIT UNION 2 5.50% $10,224
JLB CORPORATION 2 4.25% $10,289
INLANTA MORTGAGE, INC. 2 4.25% $10,414
PREFERRED LENDING SERVICES, LLC 2 6.25% $10,257
Alcova Mortgage LLC 2 5.81% $9,667
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 2 5.63% $13,669
First Savings Bank 2 5.56% $12,826
CLEARPATH LENDING 2 3.25% $9,250
City National Bank of Florida 2 5.00% $11,386
DEVELOPER'S MORTGAGE COMPANY 2 4.25% $8,328
CITY FIRST MORTGAGE SERVICES, L.L.C. 2 4.13% $15,654
CHERRY CREEK MORTGAGE, LLC 2 5.13% $3,211
CHAMPIONS MORTGAGE LLC 2 4.44% $10,171
MEMBER FIRST MORTGAGE, LLC 2 3.13% $10,944
Quaint Oak Mortgage, LLC 2 4.19% $7,645
Evolve Bank & Trust 2 4.19% $11,888
Willamette Valley Bank 2 3.50% $9,072
M&T Bank 2 3.00% $8,927
Peoples Bank 2 5.69% $12,837
PHH Mortgage Corporation 2 4.69% $11,956
AHL FUNDING 2 5.81% $18,876
Bell Bank 2 4.69% $14,529
BANKERS MORTGAGE LENDING, INC. 2 5.88% $10,669
Seacoast National Bank 2 4.56% $9,315
AXIA FINANCIAL, LLC 2 4.56% $10,921
ASPIRE FINANCIAL, INC. 2 4.44% $11,984
S1L, Inc. 1 4.25% $15,001
Congressional Bank 1 4.63% $9,132
Shamrock Home Loans, Inc. 1 4.38% $11,074
Shea Mortgage Inc. 1 3.75% $11,968
COMPASS MORTGAGE, INC. 1 4.88% $11,873
Magnolia Bank 1 4.25% $17,936
SOUTHERN TRUST MORTGAGE, LLC 1 3.50% $7,281
Commerce Home Mortgage, Inc. 1 2.25% $7,828
SOUTHWEST STAGE FUNDING, LLC 1 5.88% $16,569
Sunflower Bank 1 6.75% $11,035
CASTLE & COOKE MORTGAGE, LLC 1 5.75% $11,262
SWBC MORTGAGE CORPORATION 1 6.50% $7,977
Synovus Bank 1 4.75% $11,261
TD Bank 1 4.75% $9,030
The Central Trust Bank 1 2.50% $10,910
THE EQUITABLE MORTGAGE CORPORATION 1 5.38% $9,830
CAPITAL PARTNERS MORTGAGE, LLC 1 3.25% $10,516
Capital Bank 1 4.63% $17,953
THRIVE MORTGAGE, LLC 1 4.25% $11,109
TIDEWATER MORTGAGE SERVICES, INC. 1 4.50% $8,480
TJC Mortgage, Inc. 1 3.25% $13,135
BNC National Bank 1 3.63% $9,322
BETTER MORTGAGE CORPORATION 1 7.00% $11,367
Bethpage Federal Credit Union 1 5.13% $4,162
BEST CAPITAL FUNDING 1 3.88% $12,075
United Community Bank 1 4.62% $12,322
United Fidelity Funding Corp. 1 5.63% $19,842
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 1 5.63% $10,402
American Midwest Mortgage Corporation 1 3.75% $8,405
VISION ONE MORTGAGE, INC. 1 5.63% $13,108
INTERCAP LENDING INC. 1 6.63% $15,894
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 3.75% $14,021
IMPAC MORTGAGE CORP. 1 5.25% $6,452
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 5.63% $18,140
Meridian Bank Corporation 1 5.38% $8,533
HOMESTEAD FUNDING CORP. 1 6.25% $18,531
MID AMERICA MORTGAGE, INC. 1 4.38% $7,183
HighTechLending Inc 1 4.63% $9,969
HALLMARK HOME MORTGAGE, LLC 1 5.12% $16,669
MLD MORTGAGE INC. 1 3.00% $10,182
GVC MORTGAGE, INC. 1 5.13% $13,391
GUARANTY HOME MORTGAGE CORPORATION 1 5.63% $22,039
GREENWAY MORTGAGE FUNDING CORP. 1 5.50% $12,838
MORTGAGE FINANCIAL SERVICES, LLC 1 4.50% $8,556
GREAT WESTERN FINANCIAL SERVICES, INC. 1 6.13% $9,691
GMFS LLC 1 5.75% $11,259
GERSHMAN INVESTMENT CORP. 1 5.63% $11,250
FOUNDATION MORTGAGE CORPORATION 1 5.13% $13,060
First Western Trust Bank 1 3.00% $12,300
NATION ONE MORTGAGE CORPORATION 1 3.88% $12,253
First PREMIER Bank 1 6.63% $8,962
First Palmetto Bank 1 3.63% $9,803
First Internet Bank of Indiana 1 4.25% $13,209
Network Funding, L.P. 1 5.25% $17,592
NEW DAY FINANCIAL, LLC 1 5.49% $18,609
NEW FED MORTGAGE, CORP. 1 4.75% $8,371
FIRST EQUITY MORTGAGE BANKERS, INC. 1 3.25% $24,088
NJ LENDERS CORP. 1 5.50% $16,777
North American Savings Bank, F.S.B. 1 5.13% $9,065
FirstBank 1 4.50% $9,185
ALAMEDA MORTGAGE CORPORATION 1 4.13% $12,389
Fidelity Bank 1 4.63% $4,470
OCEANSIDE MORTGAGE COMPANY 1 5.00% $6,639
FEDERATED MORTGAGE CORP. 1 4.38% $11,806
EQUITY NOW INC. 1 3.75% $13,878
ENDEAVOR CAPITAL, LLC. 1 6.50% $9,373
PINNACLE LENDING GROUP, INC. 1 3.75% $12,510
DRAPER AND KRAMER MORTGAGE CORP. 1 5.50% $11,539
DIRECT MORTGAGE, CORP. 1 3.25% $21,480
DIRECTIONS EQUITY, LLC 1 6.13% $17,703
POLARIS HOME FUNDING CORP. 1 4.88% $15,683
DG PINNACLE FUNDING LLC 1 5.63% $17,843
Princeton Mortgage Corporation 1 3.88% $12,663
DATA MORTGAGE, INC. 1 5.63% $9,136
DAS Acquisition Company, LLC 1 6.13% $11,653
CRESCENT MORTGAGE COMPANY 1 6.63% $1,867
Raymond James Bank 1 5.13% $10,673
Credence Funding Corporation 1 4.50% $15,970
CORNERSTONE HOME LENDING, INC. 1 5.75% $21,766
RESIDENTIAL HOME FUNDING CORP. 1 4.25% $13,368
Residential Mortgage Solutions, Inc. 1 3.13% $10,733
CONTOUR MORTGAGE CORPORATION 1 3.25% $15,425
ROYAL UNITED MORTGAGE LLC 1 4.63% $11,647

The top Orlando FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 978 FHA loans originated. Their average total fees are $12,376, which is $365 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Orlando FHA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC ($6,791), Bank of America ($7,339), LAKEVIEW LOAN SERVICING, LLC ($7,867), HOMEAMERICAN MORTGAGE CORPORATION ($8,300) and EVERETT FINANCIAL, INC. ($8,387).

The lowest rate Orlando FHA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC (3.81%), VILLAGE CAPITAL MORTGAGE (3.87%), First Guaranty Mortgage Corporation (3.88%), PENNYMAC LOAN SERVICES, LLC (4.17%) and LOANPAL, LLC (4.19%).

Orlando FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
ORLANDO-KISSIMMEE-SANFORD, FL LAKE 2022 $420,680 $538,650 $651,050 $809,150
ORLANDO-KISSIMMEE-SANFORD, FL ORANGE 2022 $420,680 $538,650 $651,050 $809,150
ORLANDO-KISSIMMEE-SANFORD, FL OSCEOLA 2022 $420,680 $538,650 $651,050 $809,150
ORLANDO-KISSIMMEE-SANFORD, FL SEMINOLE 2022 $420,680 $538,650 $651,050 $809,150
ORLANDO-KISSIMMEE-SANFORD, FL LAKE 2023 $472,030 $604,400 $730,525 $907,900
ORLANDO-KISSIMMEE-SANFORD, FL ORANGE 2023 $472,030 $604,400 $730,525 $907,900
ORLANDO-KISSIMMEE-SANFORD, FL OSCEOLA 2023 $472,030 $604,400 $730,525 $907,900
ORLANDO-KISSIMMEE-SANFORD, FL SEMINOLE 2023 $472,030 $604,400 $730,525 $907,900

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Orlando (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $299,000 (8.7%) $438,788 (7.5%) 1.11 8,937
2018-02-01 $299,950 (7.1%) $445,039 (8.1%) 1.09 8,953
2018-03-01 $309,000 (8.4%) $445,808 (6.0%) 1.08 8,934
2018-04-01 $317,945 (8.8%) $459,464 (6.6%) 1.08 8,939
2018-05-01 $319,400 (6.9%) $461,316 (7.0%) 1.07 9,086
2018-06-01 $319,617 (6.9%) $464,530 (8.4%) 1.07 9,345
2018-07-01 $318,175 (6.4%) $461,244 (8.9%) 1.06 9,766
2018-08-01 $318,750 (7.0%) $459,145 (10.0%) 1.07 9,870
2018-09-01 $310,000 (3.7%) $448,394 (6.2%) 1.04 10,170
2018-10-01 $307,945 (3.0%) $443,256 (5.0%) 1.04 10,598
2018-11-01 $302,840 (1.3%) $434,235 (1.7%) 1.03 10,691
2018-12-01 $300,000 (0.7%) $435,793 (1.3%) 1.03 10,453
2019-01-01 $299,900 (0.3%) $436,424 (-0.5%) 1.04 10,236
2019-02-01 $301,463 (0.5%) $441,354 (-0.8%) 1.02 10,327
2019-03-01 $307,580 (-0.5%) $447,990 (0.5%) 1.01 10,140
2019-04-01 $313,011 (-1.6%) $451,193 (-1.8%) 0.99 9,843
2019-05-01 $315,250 (-1.3%) $453,851 (-1.6%) 0.99 9,885
2019-06-01 $319,900 (0.1%) $451,328 (-2.8%) 1.00 9,956
2019-07-01 $322,140 (1.3%) $449,549 (-2.5%) 1.01 9,890
2019-08-01 $322,636 (1.2%) $446,514 (-2.8%) 1.02 9,786
2019-09-01 $320,591 (3.4%) $441,973 (-1.4%) 1.03 9,748
2019-10-01 $319,677 (3.8%) $438,946 (-1.0%) 1.03 9,716
2019-11-01 $319,000 (5.3%) $437,546 (0.8%) 1.05 9,544
2019-12-01 $316,841 (5.6%) $441,934 (1.4%) 1.06 9,082
2020-01-01 $314,500 (4.9%) $444,179 (1.8%) 1.05 8,695
2020-02-01 $325,000 (7.8%) $455,354 (3.2%) 1.06 8,387
2020-03-01 $323,950 (5.3%) $455,872 (1.8%) 1.02 8,473
2020-04-01 $312,500 (-0.2%) $433,091 (-4.0%) 0.98 9,166
2020-05-01 $315,000 (-0.1%) $434,765 (-4.2%) 0.96 9,167
2020-06-01 $319,950 (0.0%) $445,085 (-1.4%) 0.94 8,667
2020-07-01 $322,525 (0.1%) $449,911 (0.1%) 0.93 8,313
2020-08-01 $325,000 (0.7%) $447,208 (0.2%) 0.93 8,109
2020-09-01 $325,000 (1.4%) $453,579 (2.6%) 0.93 7,885
2020-10-01 $325,000 (1.7%) $452,390 (3.1%) 0.93 7,743
2020-11-01 $325,000 (1.9%) $456,912 (4.4%) 0.95 7,568
2020-12-01 $323,410 (2.1%) $456,963 (3.4%) 0.96 6,989
2021-01-01 $319,495 (1.6%) $461,369 (3.9%) 0.95 5,933
2021-02-01 $319,031 (-1.8%) $466,098 (2.4%) 0.93 4,913
2021-03-01 $324,356 (0.1%) $477,331 (4.7%) 0.92 4,079
2021-04-01 $327,000 (4.6%) $491,054 (13.4%) 0.89 3,549
2021-05-01 $340,000 (7.9%) $501,696 (15.4%) 0.90 3,447
2021-06-01 $355,445 (11.1%) $522,800 (17.5%) 0.94 3,691
2021-07-01 $364,850 (13.1%) $520,877 (15.8%) 0.96 4,023
2021-08-01 $374,950 (15.4%) $517,420 (15.7%) 1.00 4,206
2021-09-01 $379,950 (16.9%) $528,658 (16.6%) 1.01 4,213
2021-10-01 $389,999 (20.0%) $533,447 (17.9%) 1.04 4,110
2021-11-01 $385,447 (18.6%) $535,985 (17.3%) 1.03 3,806
2021-12-01 $389,923 (20.6%) $531,576 (16.3%) 1.06 3,386
2022-01-01 $397,900 (24.5%) $550,664 (19.4%) 1.08 2,818
2022-02-01 $397,500 (24.6%) $568,759 (22.0%) 1.03 2,536
2022-03-01 $412,500 (27.2%) $588,942 (23.4%) 1.03 2,513
2022-04-01 $429,900 (31.5%) $610,081 (24.2%) 1.02 2,765
2022-05-01 $450,000 (32.4%) $626,526 (24.9%) 1.03 3,684
2022-06-01 $465,000 (30.8%) $625,753 (19.7%) 1.04 4,879
2022-07-01 $464,000 (27.2%) $614,361 (18.0%) 1.05 6,806
2022-08-01 $453,168 (20.9%) $597,206 (15.4%) 1.05 7,351
2022-09-01 $449,411 (18.3%) $586,019 (10.9%) 1.05 7,542
2022-10-01 $445,000 (14.1%) $588,125 (10.3%) 1.05 7,392
2022-11-01 $439,772 (14.1%) $581,227 (8.4%) 1.06 7,841
2022-12-01 $430,000 (10.3%) $581,794 (9.5%) 1.06 7,376
2023-01-01 $429,450 (7.9%) $590,898 (7.3%) 1.06 6,846
2023-02-01 $434,995 (9.4%) $601,709 (5.8%) 1.05 6,418
2023-03-01 $440,948 (6.9%) $618,305 (5.0%) 1.04 5,942
2023-04-01 $441,850 (2.8%) $627,268 (2.8%) 1.03 5,793
2023-05-01 $450,000 (0.0%) $641,973 (2.5%) 1.02 5,668
2023-06-01 $459,450 (-1.2%) $642,590 (2.7%) 1.03 5,927
2023-07-01 $459,900 (-0.9%) $643,212 (4.7%) 1.05 6,361
2023-08-01 $458,970 (1.3%) $630,849 (5.6%) 1.05 6,702
2023-09-01 $455,551 (1.4%) $622,464 (6.2%) 1.06 7,275
2023-10-01 $449,995 (1.1%) $609,858 (3.7%) 1.06 7,832
2023-11-01 $447,450 (1.8%) $603,817 (3.9%) 1.07 8,428
2023-12-01 $438,990 (2.1%) $589,827 (1.4%) 1.07 8,605
Orlando's median listing price for 2023-12-01 was $438,990, a difference of $8,990 (2.1%) versus the prior year and $-8,460 versus the prior month.

Orlando's median listing price comes in at 107% of the national average.

Orlando's average listing price for 2023-12-01 was $589,827, a difference of $8,033 (1.4%) versus the prior year and $-13,990 versus the prior month.

For the 2023-12-01 period, Orlando had 8,605 MLS listings, a difference of 177 listings (2%) versus the prior month and 1,229 listings (17%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Orlando (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 71 days 2,111 sqft
2018-02-01 64 days 2,128 sqft
2018-03-01 53 days 2,161 sqft
2018-04-01 54 days 2,184 sqft
2018-05-01 54 days 2,166 sqft
2018-06-01 54 days 2,172 sqft
2018-07-01 55 days 2,162 sqft
2018-08-01 56 days 2,145 sqft
2018-09-01 58 days 2,099 sqft
2018-10-01 57 days 2,088 sqft
2018-11-01 58 days 2,053 sqft
2018-12-01 65 days 2,043 sqft
2019-01-01 72 days 2,036 sqft
2019-02-01 63 days 2,041 sqft
2019-03-01 57 days 2,064 sqft
2019-04-01 56 days 2,082 sqft
2019-05-01 54 days 2,099 sqft
2019-06-01 56 days 2,105 sqft
2019-07-01 56 days 2,113 sqft
2019-08-01 58 days 2,104 sqft
2019-09-01 60 days 2,092 sqft
2019-10-01 62 days 2,085 sqft
2019-11-01 58 days 2,082 sqft
2019-12-01 65 days 2,080 sqft
2020-01-01 70 days 2,062 sqft
2020-02-01 63 days 2,070 sqft
2020-03-01 52 days 2,069 sqft
2020-04-01 55 days 2,009 sqft
2020-05-01 65 days 1,993 sqft
2020-06-01 68 days 1,989 sqft
2020-07-01 59 days 1,987 sqft
2020-08-01 55 days 1,975 sqft
2020-09-01 55 days 1,950 sqft
2020-10-01 56 days 1,920 sqft
2020-11-01 57 days 1,914 sqft
2020-12-01 61 days 1,903 sqft
2021-01-01 65 days 1,866 sqft
2021-02-01 59 days 1,828 sqft
2021-03-01 46 days 1,829 sqft
2021-04-01 40 days 1,805 sqft
2021-05-01 36 days 1,800 sqft
2021-06-01 33 days 1,847 sqft
2021-07-01 34 days 1,852 sqft
2021-08-01 36 days 1,864 sqft
2021-09-01 37 days 1,868 sqft
2021-10-01 40 days 1,888 sqft
2021-11-01 42 days 1,849 sqft
2021-12-01 58 days 1,853 sqft
2022-01-01 43 days 1,849 sqft
2022-02-01 34 days 1,821 sqft
2022-03-01 30 days 1,826 sqft
2022-04-01 30 days 1,847 sqft
2022-05-01 27 days 1,911 sqft
2022-06-01 29 days 1,949 sqft
2022-07-01 30 days 1,959 sqft
2022-08-01 40 days 1,938 sqft
2022-09-01 48 days 1,914 sqft
2022-10-01 57 days 1,914 sqft
2022-11-01 61 days 1,914 sqft
2022-12-01 67 days 1,902 sqft
2023-01-01 72 days 1,896 sqft
2023-02-01 64 days 1,907 sqft
2023-03-01 53 days 1,914 sqft
2023-04-01 51 days 1,914 sqft
2023-05-01 47 days 1,935 sqft
2023-06-01 46 days 1,957 sqft
2023-07-01 46 days 1,952 sqft
2023-08-01 46 days 1,937 sqft
2023-09-01 50 days 1,914 sqft
2023-10-01 50 days 1,902 sqft
2023-11-01 53 days 1,885 sqft
2023-12-01 58 days 1,850 sqft
Orlando's median listing age (time on market) for 2023-12-01 was 58 days. This is -13% shorter than the same period one year ago.

Orlando's median square footage for active listings during the 2023-12-01 period was 1,850 sqft. One year prior, the average listing was 1,902 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).