Lotvox market story
ZIP 33848
Osceola County, FL
What homes are worth, what they cost to carry, how fast they sell — one step at a time.
- Typical home value
- $210,082
- 12-month change
- +2.1%
- Payment share of income
- 19.6%
This week since 2026-10-08: Payment share of income 19.6% (was 19.4%) · Monthly P&I $1,164 (was $1,150)
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Who's going to sell in 33848 this year?
Lotvox Turnover Index
Ranking every home in 33848 by how likely it is to sell
The Lotvox Turnover Index isn't offered for 33848 yet.
Where
33848 in Osceola County, FL
33848 is one of 13 ZIP codes that lie mostly in Osceola County, FL.
Shaded by typical home value, it ranks 13 of the 13 with a value.
- Value rank in county
- 13 of 13
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 33848
1 school location in 33848: 1 high.
In alphabetical order: OASIS RESIDENTIAL CENTER. Locations only — no ratings are shown here.
- School locations
- 1
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 33848
In January 2000 the typical home in 33848 was worth $34,395.
Values peaked at $214,439 in April 2026. The latest reading is −2.0% from that peak.
As of August 2026: $210,082, +2.1% over twelve months.
- Typical home value
- $210,082
- 12-month change
- +2.1%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $210,082. Put 20% down and borrow $168,066 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $1,164 a month in principal and interest.
The median household here earns $71,189 a year, $5,932 a month. So the payment takes 19.6% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).
The line holds today's rate fixed and moves only the price: at that rate, the same share was 3.2% in 2000.
- Payment share of income
- 19.6%
- Monthly P&I
- $1,164
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $206.
In December 2020, with rates at 2.68%, it was $446.
By August 2026, at 6.67%, it was $1,081 — +142% since December 2020, while the home's value moved +52%.
- Payment change since 2020
- +142%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +511% since January 2000.
General prices (CPI-U) rose +97% over the same span.
Divide one by the other: in August 2026 dollars, the 2000 home was worth $67,882. So the real change is +209%, not +511%.
- Real change since 2000
- +209%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
33848 against its neighbors
33848: +511% since January 2000.
Osceola County: +186% since January 2000.
Florida: +245% since January 2000 — 33848 ran ahead of it by 266 points.
- Change since 2000
- +511%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
33848 among Florida ZIPs
Against 1,098 Florida ZIP codes, 33848 sits at the 98th percentile for affordability (price vs local income).
83rd for appreciation (recent value growth); 51st for rental yield (rent vs price).
- Affordability percentile
- 98th
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above)
Lotvox lens
Rent or own
Owning the typical home costs about $1,374 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,152 a month.
Price divided by a year's rent: 15.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 15.2
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
New supply
Homes being permitted
Across Osceola County, builders pulled permits for 7,366 new homes in 2025.
Of those, 69% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).
- Units permitted 2025
- 7,366
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
This ZIP sits in Osceola County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 12,806 moved in. Among the ten receiving the most, 12,162 moved out.
Net across those counties: +644 households. Beside it, homes for sale in this ZIP: 1 in July 2025.
Most arrivals came from Orange, FL (7,271 households); most departures went to Orange, FL (5,567).
- Net households (top-10 flows)
- +644
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2025-07-01
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What to do
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Link: https://lotvox.com/story/orlando/zip/33848