Photo: (Ebyabe) · CC BY 2.5Even on the area’s higher pay, Ocoee costs more to live in than 92% of U.S. towns
It ranks #453 of 637 in Florida for affordability. Down 0.9% in a year, 10% above the Florida typical home.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Orlando-Kissimmee-Sanford, FL metro area ($79K). How TownRatings grades cost of living
The grade measures what housing costs against what households in the area earn. Ocoee’s area earns well above the typical U.S. town ($79K against $74K), but homes, rent and taxes here run higher still. Owners keep up better than renters: 25% of owners pay 30% or more of income for housing (typical U.S. town: 20%), against 58% of renters.
In dollars
- $414Ktypical home, 10% above the Florida typical homeZillow, September 2026
- $2,130a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 101prices across the Orlando metro, where the U.S. is 100 (housing 123)BEA Regional Price Parities, 2024
In paychecks the grade
- 5.2 yrsof area income buys the typical home; the typical U.S. town: 3.3$79K, Orlando-area income
- 30%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 58%of renters pay 30%+ of income for housing; across Florida: 60%Census 2020–24
- 25%of owners do; the typical U.S. town: 20%Census 2020–24
What Ocoee’s housing numbers say
Mostly newer homes
Half of Ocoee’s homes were built after 2000, against 1988 for Florida as a whole. Property taxes ↓
A median income goes further next door
At Ocoee’s median income, the calculator’s budget of about $391K falls short here but covers the typical home in Pine Hills ($272K) and Clarcona ($318K). Can I afford it? ↓
Written from the data on this page. Home values are the Zillow Home Value Index, through September 2026; sales and supply are Redfin’s for September 2026; permits are Census figures through 2025; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Ocoee’s grade
Measured against what households in the area earn, Ocoee is more affordable than 8% of U.S. towns, #453 of 637 in Florida. Rent pulls the grade down most; property tax holds it up.
Values have outpaced Florida: the typical Ocoee home is up 23.7% in five years, against 18.6% statewide (Zillow).
Up 23.7% in five years
Faster than Florida (18.6%).
Show as a table
| January | Ocoee | Florida |
|---|---|---|
| 2017 | $224,000 | $209,000 |
| 2018 | $242,000 | $226,000 |
| 2019 | $260,000 | $241,000 |
| 2020 | $273,000 | $252,000 |
| 2021 | $299,000 | $276,000 |
| 2022 | $356,000 | $339,000 |
| 2023 | $412,000 | $392,000 |
| 2024 | $432,000 | $402,000 |
| 2025 | $434,000 | $396,000 |
| 2026 | $416,000 | $377,000 |
| September 2026 | $414,000 | $375,000 |
A typical Ocoee home worth $220K in October 2016 is worth about $414K today.
Zillow Home Value Index: the typical value of all homes (middle third), smoothed and seasonally adjusted, through September 2026.
A seller's market
Supply is tight — about 3.6 months of homes for sale at the current pace. Buyers should expect competition on well-priced homes.
Under ~4 months of supply favors sellers; over ~6 favors buyers.
Redfin Data Center, all residential sales, September 2026.
A typical home costs 5.2 years of area income
The calculator starts from the area income the grade uses. Switch to Ocoee’s own median, or type yours.
That’s $102K short of a typical Ocoee home.
A two-bedroom rents for about $2,130 a month here, $320 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Ocoee’s typical property tax (0.81% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $2,130
Renters already here pay a median of $1,946.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Orlando-Kissimmee-Sanford, FL MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
467 new homes permitted in 2025
Builders were permitted 467 new homes in Ocoee in 2025: 167 single-family houses and 300 in buildings with two or more homes, worth about $136 million to build. That's 9.5 per 1,000 residents, about the pace of Florida as a whole. Over the past 10 years, Ocoee has permitted 4,240 homes in all.
Between the 2010 and 2020 censuses, Ocoee gained 11,716 residents while 4,084 new homes were permitted: about 2.9 new residents per new home, about the same as across Florida (2.8).
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 113 | 113 | 0 | $49.5 million |
| 2025 | 467 | 167 | 300 | $136 million |
| 2024 | 558 | 243 | 315 | $135.7 million |
| 2023 | 214 | 214 | 0 | $80.3 million |
| 2022 | 524 | 114 | 410 | $99.7 million |
| 2021 | 299 | 299 | 0 | $84.4 million |
| 2020 | 437 | 393 | 44 | $137 million |
| 2019 | 490 | 490 | 0 | $170.3 million |
| 2018 | 428 | 428 | 0 | $140.7 million |
| 2017 | 348 | 348 | 0 | $103 million |
| 2016 | 475 | 173 | 302 | $79.5 million |
| 2015 | 370 | 130 | 240 | $61.2 million |
| 2014 | 723 | 239 | 484 | $97.7 million |
| 2013 | 604 | 364 | 240 | $127.2 million |
| 2012 | 207 | 207 | 0 | $54.7 million |
| 2011 | 209 | 209 | 0 | $60.9 million |
| 2010 | 230 | 230 | 0 | $70 million |
| 2009 | 198 | 198 | 0 | $54.8 million |
| 2008 | 175 | 175 | 0 | $46.9 million |
| 2007 | 302 | 137 | 165 | $41.5 million |
| 2006 | 556 | 556 | 0 | $136.1 million |
| 2005 | 503 | 503 | 0 | $137.6 million |
| 2004 | 585 | 518 | 67 | $150.4 million |
| 2003 | 479 | 441 | 38 | $102.7 million |
| 2002 | 305 | 305 | 0 | $55.1 million |
| 2001 | 277 | 277 | 0 | $34.3 million |
| 2000 | 488 | 267 | 221 | $36.7 million |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Property tax runs above the Florida norm
The median bill is $3,275 (Florida: $2,730), 0.81% of a home’s value a year, against 0.76% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Ocoee
Only figures published free for the whole country, each labeled with the area it covers: the Orlando-Kissimmee-Sanford, FL metro area, or Florida. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 101 | FL 103 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 96 | FL 98 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 87 | FL 90 | metro | BEA, 2024 |
| Other services U.S. = 100 | 99 | FL 101 | metro | BEA, 2024 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Ocoee vs. its neighbors
Of the 4 towns here with a Zillow value, Ocoee has the 2nd-lowest. Lake Butler and Clarcona have no Zillow value, so they are in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, September 2026 | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Ocoee | D | $414K | $406K | 0.81% | $2,130 |
| Clarcona | B− | — | $318K | 0.72% | $1,830 |
| Gotha | D− | $502K | $746K | 0.77% | $2,530 |
| Winter Garden | D | $569K | $476K | 0.74% | $2,350 |
| Lake Butler | D− | — | $931K | 0.88% | $2,730 |
| Paradise Heights | – | — | — | — | $1,860 |
| Pine Hills | C | $272K | $253K | 0.62% | $1,750 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures. “—” under Cost: not graded (too little Census data, or under 1,000 residents).
Questions about the cost of living in Ocoee
Is Ocoee expensive to live in?
Measured against what households in the area earn, Ocoee costs more than 92% of U.S. towns: a D for cost of living, #453 of 637 in Florida. The typical home costs 5.2 years of the median household income of the Orlando-Kissimmee-Sanford, FL metro area ($79K).
How much does a house cost in Ocoee?
About $414K, Zillow’s typical value for September 2026, down 0.9% in a year. The Florida typical home is $375K.
What salary do you need to live in Ocoee?
To buy the typical home with 20% down at 6.3%, about $105,000 a year, keeping the payment (about $2,450 a month with tax and insurance) at 28% of income. To rent a two-bedroom at 30% of income, about $85,000.
How much is rent in Ocoee?
HUD puts a two-bedroom at about $2,130 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $1,946 (Census 2020–24).
What are property taxes in Ocoee?
The median bill is $3,275 a year, 0.81% of the median home value (Florida: $2,730, 0.76%), from the Census 2020–24.
Are home prices in Ocoee going up?
No: down 0.9% in the past year and 23.7% in five years, against 18.6% across Florida (Zillow).
Neighbors talk housing
What Ocoee buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, September 2026. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.