How much is a home worth in ZIP code 32778?

The typical home in 32778 is worth $312,823, based on the Zillow Home Value Index.

Are home values rising in 32778?

Home values in 32778 are down 2.6% over the past year, and up 5.4% a year over five years.

What is the typical rent in 32778?

A typical home in 32778 rents for about $2,144 a month, a gross rental yield of 8.2%.

What is the property tax rate in 32778?

The effective property tax rate in 32778 is 0.8% — roughly $2,539 a year on a typical home.

ZIP code 32778 has a population of 25,042 and a median household income of $63,472.

HousingHandbookReference data

…

U.S. ZIP Code · FL32778

Lake County · Orlando-Kissimmee-Sanford, FL

Typical home value

$312,823^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -2.6%
5-year / yr: +5.4%
10-year / yr: +7.0%

Relative price

vs U.S.: +10.1%
vs metro: -19.7%
vs state: -9.8%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 32778 is worth $312,823 — 19.7% below the Orlando-Kissimmee-Sanford, FL median. Over the past year, values have fallen 2.6%. Homes here rent for a typical $2,144 a month — a 8.2% gross rental yield. The effective property tax rate is 0.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,144^[2]
Gross yield: 8.2%^[2]
Cap rate: 4.9%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.8%^[3]
Typical annual tax: $2,539^[3]

#Climate risk

FEMA National Risk Index ratings for Lake County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Moderate^[4]
Riverine flood: Relatively Moderate
Coastal flood: Very Low
Wildfire: Relatively Moderate
Drought: Relatively Low
Heat wave: Relatively Moderate
Hurricane: Relatively High
Tornado: Relatively High
Earthquake: Relatively Low
Winter weather: No Rating

#Who lives here

Population: 25,042^[3]
Median household income: $63,472^[3]

#Migration

Household moves in and out of Lake County over a year, from IRS tax-return data.

Net migration: +6,180^[5]
Moved in: 19,416
Moved out: 13,236

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 7
Elementary: 2
Middle: 1
High: 2

TAVARES HIGH SCHOOL
High · Grades 9–12 · LAKE
1,488 students
TAVARES MIDDLE SCHOOL
Middle · Grades 6–8 · LAKE
998 students
PINECREST ACADEMY TAVARES
Elementary · Grades K–8 · LAKE
918 students
TAVARES ELEMENTARY SCHOOL
Elementary · Grades PK–5 · LAKE
839 students
NONSCHOOL EXCEPTIONAL EDUCATION
Other · Grades PK–12 · LAKE
24 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield8.2%

Net yield (after ~40% expenses)4.9%

Annual rent$25,725

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,582

Loan principal$250,259

Down payment$62,565

Total interest paid$319,191

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio0.96

Monthly cost to own$2,054

Monthly rent$2,144

Owning and renting are roughly even.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 40th percentile^[1]
Rental yield: 94th percentile^[2]
Property tax: 72nd percentile^[3]

Frequently asked

How much is a home worth in ZIP code 32778?: The typical home in 32778 is worth $312,823, based on the Zillow Home Value Index.
Are home values rising in 32778?: Home values in 32778 are down 2.6% over the past year, and up 5.4% a year over five years.
What is the typical rent in 32778?: A typical home in 32778 rents for about $2,144 a month, a gross rental yield of 8.2%.
What is the property tax rate in 32778?: The effective property tax rate in 32778 is 0.8% — roughly $2,539 a year on a typical home.
Who lives in 32778?: ZIP code 32778 has a population of 25,042 and a median household income of $63,472.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

32773 vs 32778 →
Sanford, FL
Typical home
$312,915
Gross yield
6.8%
34758 vs 32778 →
Poinciana CDP, FL
Typical home
$312,439
Gross yield
7.8%
32809
Pine Castle CDP, FL
Typical home
$312,118
Gross yield
6.2%
32835
Orlando, FL
Typical home
$313,573
Gross yield
6.9%
32810
Lockhart CDP, FL
Typical home
$311,385
Gross yield
6.7%
32821
Williamsburg CDP, FL
Typical home
$311,058
Gross yield
7.2%

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

Compare ZIPs

Pit ZIP 32778 against any other ZIP — full side-by-side table.

Compare 32778 →

#Jump to section

U.S. ZIP Code · FL32778

Get more data on ZIPs like this

Get more data on ZIPs like this