How much is a home worth in ZIP code 32809?

The typical home in 32809 is worth $312,118, based on the Zillow Home Value Index.

Are home values rising in 32809?

Home values in 32809 are down 1.6% over the past year, and up 5.7% a year over five years.

What is the typical rent in 32809?

A typical home in 32809 rents for about $1,625 a month, a gross rental yield of 6.2%.

What is the property tax rate in 32809?

The effective property tax rate in 32809 is 0.8% — roughly $2,431 a year on a typical home.

ZIP code 32809 has a population of 29,237 and a median household income of $57,879.

HousingHandbookReference data

…

U.S. ZIP Code · FL32809

Orange County · Orlando-Kissimmee-Sanford, FL

Typical home value

$312,118^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -1.6%
5-year / yr: +5.7%
10-year / yr: +9.3%

Relative price

vs U.S.: +9.9%
vs metro: -19.9%
vs state: -10.0%

Price history

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

The typical home in 32809 is worth $312,118 — 19.9% below the Orlando-Kissimmee-Sanford, FL median. Over the past year, values have fallen 1.6%. Homes here rent for a typical $1,625 a month — a 6.2% 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: $1,625^[2]
Gross yield: 6.2%^[2]
Cap rate: 3.7%^[2]

#Property tax

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

Effective tax rate: 0.8%^[3]
Typical annual tax: $2,431^[3]

#Climate risk

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

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

#Who lives here

Population: 29,237^[3]
Median household income: $57,879^[3]

#Migration

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

Net migration: -3,827^[5]
Moved in: 52,675
Moved out: 56,502

Schools

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

Public schools: 11
Elementary: 4
Middle: 2
High: 5

OAK RIDGE HIGH
High · Grades 8–12 · ORANGE
2,562 students
WESTRIDGE MIDDLE
Middle · Grades 6–8 · ORANGE
1,201 students
CORNERSTONE ACADEMY CHARTER
Elementary · Grades K–8 · ORANGE
987 students
JUDSON B WALKER MIDDLE
Middle · Grades 6–8 · ORANGE
897 students
SADLER ELEMENTARY
Elementary · Grades PK–5 · ORANGE
722 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 yield6.2%

Net yield (after ~40% expenses)3.7%

Annual rent$19,500

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$1,578

Loan principal$249,694

Down payment$62,424

Total interest paid$318,471

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 ratio1.26

Monthly cost to own$2,041

Monthly rent$1,625

Renting is meaningfully cheaper month-to-month.

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: 54th percentile^[1]
Rental yield: 51st percentile^[2]
Property tax: 56th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 32809?: The typical home in 32809 is worth $312,118, based on the Zillow Home Value Index.
Are home values rising in 32809?: Home values in 32809 are down 1.6% over the past year, and up 5.7% a year over five years.
What is the typical rent in 32809?: A typical home in 32809 rents for about $1,625 a month, a gross rental yield of 6.2%.
What is the property tax rate in 32809?: The effective property tax rate in 32809 is 0.8% — roughly $2,431 a year on a typical home.
Who lives in 32809?: ZIP code 32809 has a population of 29,237 and a median household income of $57,879.

#Comparable ZIPs

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

34758 vs 32809 →
Poinciana CDP, FL
Typical home
$312,439
Gross yield
7.8%
32778 vs 32809 →
Tavares, FL
Typical home
$312,823
Gross yield
8.2%
32810
Lockhart CDP, FL
Typical home
$311,385
Gross yield
6.7%
32773
Sanford, FL
Typical home
$312,915
Gross yield
6.8%
32821
Williamsburg CDP, FL
Typical home
$311,058
Gross yield
7.2%
32835
Orlando, FL
Typical home
$313,573
Gross yield
6.9%

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

Compare ZIPs

Pit ZIP 32809 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · FL32809

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