Location: Orlando-Kissimmee-Sanford, FL | Metro: Lakeland-Winter Haven, FL MSA
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,670 |
| 1 Bedroom | $1,740 |
| 2 Bedrooms | $1,970 |
| 3 Bedrooms | $2,470 |
| 4 Bedrooms | $2,890 |
| 5 Bedrooms | $3,352 |
| 6 Bedrooms | $3,754 |
| 7 Bedrooms | $4,054 |
| 8 Bedrooms | $4,257 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,970 | $353,144 | 0.56% | F |
| 3BR | $2,470 | $368,629 | 0.67% | D |
| 4BR | $2,890 | $435,683 | 0.66% | D |
| 5BR | $3,352 | $530,411 | 0.63% | D |
U.S. Census Bureau data (2024)
The real estate landscape in Clermont, Florida (ZIP 34714), is poised for stability and gradual growth over the next 12-24 months. The median home value stands at $409,236, indicating a robust housing market that has remained resilient despite economic fluctuations. With only 0.2% of listings reducing their prices, it's evident that sellers maintain strong pricing power, suggesting a buyers' market where homes hold their value well.
The median days on market (DOM) of 55 days further reinforces this point. This relatively low DOM indicates that homes are selling quickly, which is a positive sign for maintaining and potentially increasing property values. It signals a healthy demand for housing in the area, allowing sellers to command higher prices without having to lower them significantly.
On the rental side, the Federal Market Rent (FMR) for ZIP 34714 in fiscal year 2024 is set at $1,970, while the actual market rent (ZORI) is $2,097. This slight premium above the FMR suggests that landlords can continue to charge rents that reflect the true market conditions, providing a steady income stream for those who choose to lease their properties rather than sell.
For long-term investors, the setup in Clermont implies a realistic appreciation thesis. The combination of strong seller pricing power, quick sales, and slightly above-average rental rates supports the idea that property values will likely appreciate gradually over time. However, the limited number of price reductions and the modest difference between FMR and ZORI indicate that this appreciation will be moderate rather than explosive.
In summary, the median home value, the low percentage of price reductions, and the quick sale times collectively suggest a market where pricing power remains strong. Rental dynamics also support the notion of steady income generation. Long-term investors can expect moderate appreciation in their property values, aligning with the broader trend of a stable and growing market.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.