1st Advantage MortgageMedian rent in Osceola County is $1,746 a month against a median household income of $72,637, about 29% of income (ACS 2020-24). Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Osceola County in brief
- Work, industries and travel time in Osceola County
- How Osceola County ranks in Florida
- Renting and owning in Osceola County
- The $72,637 median and what sits around it
- The counties around Osceola County
- The communities that make up Osceola County
- Debt-to-income at Osceola County's medians
- Who lives in Osceola County, in numbers
- What the numbers mean for Osceola County borrowers
- Checklist for Osceola County applicants
- Who licenses lenders for Osceola County residents
- Nearby and statewide guides
- Frequently asked questions
Osceola County in brief
With an estimated 427,415 residents (ACS 2020 to 2024), Osceola County ranks 16th of 67 in Florida for population. It covers 1,328 square miles of land, or about 322 people per square mile. Osceola County counts toward the Orlando-Kissimmee-Sanford, FL metro in the 2023 OMB delineation, so regional figures for Orlando-Kissimmee-Sanford, FL include it. The Census Bureau counts 6 places in the county (2 incorporated, 4 census-designated); the largest is Kissimmee, with about 81,479 residents, or 19% of the county.
Work, industries and travel time in Osceola County
Arts, lodging and food service (18%), education and health care (17%) and retail trade (14%) lead Osceola County's job mix. The sharpest difference from the state is in arts, lodging and food service, at 18% locally and 11% for Florida. 5.4% of Osceola County's labor force reported being unemployed, averaged across 2020 to 2024. About 71% drive to work alone and 30% have trips of 45 minutes or more. No car: 4.3% of Osceola County households.
| Industry (employed residents 16+) | Osceola County | Gap to Florida |
|---|---|---|
| Arts, lodging and food service | 17.6% | +6.7 pts |
| Education and health care | 16.9% | -4.1 pts |
| Retail trade | 13.6% | +1.6 pts |
| Professional and administrative services | 11.5% | -2.6 pts |
| Transportation, warehousing and utilities | 9.0% | +2.7 pts |
| Construction | 8.7% | +0.5 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
How Osceola County ranks in Florida
Where Osceola County lands at the extremes of Florida's county rankings:
- Few Florida counties match Osceola County on the share of renters paying 30% or more of income for rent: 65% here, 60% for the state, ranking the highest of 67. Rent pressure leaves little room; stress-test any payment.
- Osceola County ranks 7th highest of 67 Florida counties for the share of commutes over 45 minutes: 30%, against 18% statewide. Long drives make car repairs a common emergency; get two written quotes.
- Median age: 37.1 in Osceola County. Only 6 of 67 Florida counties are lower. A young county means many first-time borrowers; read every fee line.
Renting and owning in Osceola County
Median gross rent, utilities included, comes to $1,746 in Osceola County versus $1,669 statewide. By the Census definition, 65% of Osceola County renters are cost-burdened. Osceola County homes are worth $353,300 at the median, a 4.9-to-1 ratio to income. Owners occupy 65% of homes. Against the median U.S. county, Osceola County rent is 99% above.
| Osceola County | Florida | Difference | |
|---|---|---|---|
| Median gross rent | $1,746/mo | $1,669/mo | 5% higher |
| Median home value | $353,300 | $359,000 | 2% lower |
| Owners | 65% | 68% | -2.3 pts |
| Rent-burdened renters | 65% | 60% | +5.3 pts |
| Burdened owners | 39% | 35% | +3.9 pts |
When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
The $72,637 median and what sits around it
Osceola County households have a median income of $72,637 (ACS 2020 to 2024), which ranks 27th of 67 in Florida.
| Household income | Osceola County | vs Florida |
|---|---|---|
| Under $35,000 | 21.9% | -0.4 pts |
| $35,000 to $99,999 | 45.5% | +4.5 pts |
| $100,000 to $199,999 | 25.7% | 0.0 pts |
| $200,000 or more | 6.9% | -4.1 pts |
22% under $35,000 and 33% at $100,000 or more: that is the Osceola County income split. The poverty rate is 12.8%, the same as the state's 12.6%. Osceola County scores 0.431 on the Gini index, where higher means more unequal incomes. None of these numbers decides a Osceola County application. Lenders weigh your own documented income against your own debts.
The counties around Osceola County
The six counties whose centers lie closest to Osceola County's, from 31 to 49 miles away. Richest neighbor: Seminole County, $85,761. Poorest: Okeechobee County, $57,984. Osceola County: $72,637.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Osceola County | - | $72,637 | $1,746/mo | 65% |
| Brevard County, FL | 31 mi | $78,476 | $1,556/mo | 77% |
| Orange County, FL | 33 mi | $79,719 | $1,775/mo | 57% |
| Polk County, FL | 35 mi | $65,978 | $1,363/mo | 70% |
| Indian River County, FL | 42 mi | $73,491 | $1,357/mo | 80% |
| Seminole County, FL | 44 mi | $85,761 | $1,783/mo | 66% |
| Okeechobee County, FL | 49 mi | $57,984 | $1,082/mo | 74% |
The communities that make up Osceola County
6 Census places fall mainly inside Osceola County; the 6 biggest are below. They account for 195,521 residents, leaving about 54% of the county in unincorporated, unnamed areas. Celebration has the highest median household income on the list ($96,242) and Campbell the lowest ($40,411), counting places with at least 500 residents. City guides exist for the linked Osceola County places; everyone else in the county can use this page.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Kissimmee | city | 81,479 | $53,758 | $1,647 | 24 mi |
| St. Cloud | city | 65,130 | $83,174 | $1,683 | 15 mi |
| Buenaventura Lakes | CDP | 32,682 | $68,887 | $1,806 | 23 mi |
| Celebration | CDP | 13,667 | $96,242 | $2,020 | 31 mi |
| Campbell | CDP | 2,123 | $40,411 | $1,289 | 23 mi |
| Yeehaw Junction | CDP | 440 | $44,339 | n/a | 29 mi |
Debt-to-income at Osceola County's medians
Osceola County's $72,637 median income, run through a debt-to-income check:
- $72,637 a year is $6,053 of gross monthly income
- Rent at the median, $1,746, takes 29% of that
- $433: what a 36% ratio leaves once rent is paid
- 43% debt-to-income limit: $857 left for all other debt payments
If your rent is above $1,746, the room shrinks dollar for dollar.
Who lives in Osceola County, in numbers
College graduates make up 30% of the adult population. Health coverage gaps: 10.6% of Osceola County residents are uninsured.
| Indicator | Osceola County | +/- Florida | +/- U.S. county |
|---|---|---|---|
| Median age | 37.1 | -5.5 yrs | -4.4 yrs |
| Bachelor's or higher | 29.8% | -4.4 pts | +7.6 pts |
| No high school diploma | 10.5% | +0.5 pts | n/a |
| No health insurance | 10.6% | -0.9 pts | +2.8 pts |
| No vehicle | 4.3% | -1.7 pts | -1.1 pts |
| Work from home | 13.3% | -2.3 pts | +4.7 pts |
| Poverty rate | 12.8% | +0.2 pts | -0.4 pts |
| Unemployment (ACS) | 5.4% | +0.5 pts | +0.9 pts |
| Trip time | Share |
|---|---|
| Under 15 min | 12.9% |
| 15 to 29 min | 27.3% |
| 30 to 44 min | 29.6% |
| 45 to 59 min | 15.0% |
| 60+ min | 15.2% |
What the numbers mean for Osceola County borrowers
- Hospital bills in Osceola County. For the 11% of residents without coverage, the provider's charity-care program comes before any loan (details).
- 30% long commutes. A Osceola County repair bill is often urgent; compare the shop's financing with a loan in writing.
- Osceola County rent burden. 65% of renters are cost-burdened; ask your landlord about a payment plan before borrowing for rent.
Checklist for Osceola County applicants
Before you apply, wherever you live in Osceola County:
- Get a written quote for whatever you are paying for in Osceola County.
- Ask each lender for the APR and all fees in writing.
- Confirm the lender is licensed in Florida.
- Read the final agreement; it must match the offer.
Who licenses lenders for Osceola County residents
Osceola County borrowers fall under statewide rules, enforced by the Florida Office of Financial Regulation. A CFPB complaint gets forwarded to the company for a response. The Florida guide covers state rules in more detail.
Nearby and statewide guides
Guides that cover parts of Osceola County:
Frequently asked questions
How much do households in Osceola County earn?
The median is $72,637; 33% earn $100,000 or more and 22% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Osceola County?
Median gross rent, utilities included, is $1,746 a month; 65% of renters spend 30% or more of income on it.
Is Yeehaw Junction covered?
Yes. Yeehaw Junction is one of 6 Census places in Osceola County, and this guide covers all of them.
Can Osceola County residents use the questionnaire?
Yes. It asks the same questions in every Florida county, lists every requirement up front and does not affect your credit score.
Who regulates personal lenders for Osceola County residents?
The Florida Office of Financial Regulation licenses consumer lenders in Florida; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.