Winter Garden 34787

Orange County, FL · 83,971 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

50affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
30.3%
stretched
Days on market
45
daily
Price cuts
26.5%
of active
Valuation
-11%
vs assessor
Look up an address
54
/100
Mixed
cooling · balanced · prices easing year-over-year.
Price trend
35
Affordability
65
Valuation
70
Economic health
50

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

37/ 100SellerBalancedBuyer
Seller's Market
DOM: 60d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)25
Supply & Demand (20%)20
Buy vs Rent (15%)75
Cancellation Rate (10%)0
Days on Market (5%)60

Seller-favored market in 34787. Expect to pay at or near list price. Payment burden: 30.3% of median income. Median days on market: 60. Renting is approximately 70% cheaper than buying (price-to-rent ratio: 20.4).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 2.0% YoY.

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Market snapshoteach number, once

Median price
$574,456
▾ 2.0% YoY
Days on market
45
daily · zip_data
Median rent
$2,353
ZORI
Investor score
45/100
cash-flow lens
Active listings
616
90-day

Valuation3 lenses, different anchors

vs assessor
-11.0%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$511,090
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+71.7%
County-wide market — the widest, slowest signal.
Orange+71.7%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$159
Price-to-income5.0×

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How 34787 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity81%
Supply tightness93%
Affordability47%
Investment yield21%
Appreciation45%

Affordability, supply & momentum

62SUPPLY
Tight MarketSupply Tightness

Supply is below normal — sellers are favored but buyers still have options.

Months of Supply2.8 mo
Days on Market45d
Inv vs History-3.4%
Listing Density21.8/1k
Affordability — payment burden
Monthly payment (P&I)$2,902
Payment burden30.3%
Median income · ZIP$114,988
Mortgage rate6.49% · 30yr
Total monthly own$3,476
Monthly rent$2,353
Market dynamics
Price cut %26.5%
Momentumcooling
LeverageBALANCED
Months of supply2.8
Sales (90d)0
Investment analysis
Median rent$2,353
Price-to-rent20.4
Est. cap rate3.2%
Buy vs rentfavors renting

Livability

Walk score5
Transit score1
Bike score—

Historical trends

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Orange County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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