32836
Bay Lake, Florida.
Bay Lake, Orange County, FL · Orlando-Kissimmee-Sanford, FL metro · population 26,106
to buy the typical home at today's mortgage rate — +$2,371 (+129%) since Jan 2020.
- 1 year
- Up $12,103 +2%
- $789,075$801,178 since Sep 2025
- 5 years
- Up $202,146 +34%
- $599,032$801,178 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 32836$4,205
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in zip 32836 rose 1.5% over the past year — faster than the nation's +1.2%.
Asking rents in zip 32836 rose 2.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in zip 32836 runs $3,489/mo more than renting one. The gap peaked at $3,594 in Jan 2025.
That is $5,571 a month against $2,081 rent: a $4,205 mortgage payment, plus $508 property tax and $858 insurance & upkeep.
Owning vs renting — zip 32836
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$5,571
- Renting$2,081
- Mortgage only$4,205
Property tax · $508/mo 0.76% of value a year — the ACS 2020-2024 median bill over the median home value for Orange County, FL
Insurance & upkeep · $858/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Asking rent — 32836
Against the Orlando-Kissimmee-Sanford, FL metro and the national benchmark.
- 32836$2,081
- Orlando$1,929
- United States$1,932
Typical home value — 32836
Mid-tier homes, smoothed and seasonally adjusted.
- 32836$801,178
- Orlando$383,302
- United States$366,157
Within 20 miles
Showing 30 of 50 zips in range — sorting picks from all 50.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 3.4 | 32821 | Orlando | 26,161 | $1,886 | $305,931 |
| 3.7 | 32819 | Orlando | 30,213 | $2,159 | $495,506 |
| 5.1 | 34786 | Windermere | 42,358 | $2,450 | $704,680 |
| 6.3 | 32837 | Orlando | 53,671 | $2,006 | $404,896 |
| 7.5 | 32835 | Orlando | 49,205 | $1,713 | $309,056 |
| 8.1 | 32811 | Orlando | 41,475 | $1,525 | $189,339 |
| 8.2 | 32839 | Orlando | 53,242 | $1,616 | $231,977 |
| 8.2 | 34787 | Winter Garden | 101,441 | $2,249 | $573,339 |
| 8.3 | 34734 | Gotha | 3,940 | — | $503,828 |
| 8.6 | 32809 | Orlando | 29,237 | $1,718 | $312,850 |
| 8.7 | 34747 | Kissimmee | 30,859 | $1,955 | $399,304 |
| 9.5 | 34741 | Kissimmee | 58,716 | $1,765 | $283,527 |
| 9.8 | 33848 | Intercession City | 638 | — | $206,651 |
| 10.2 | 32805 | Orlando | 19,294 | $1,462 | $245,826 |
| 10.5 | 32824 | Orlando | 58,368 | $2,232 | $396,367 |
| 11.3 | 34761 | Ocoee | 47,327 | $2,151 | $410,953 |
| 11.5 | 34743 | Kissimmee | 40,030 | $2,073 | $336,607 |
| 11.5 | 32806 | Orlando | 26,096 | $1,737 | $437,245 |
| 11.7 | 32818 | Orlando | 59,114 | $1,655 | $338,242 |
| 11.9 | 34760 | Oakland | 740 | $2,017 | $529,247 |
| 12.0 | 32808 | Orlando | 60,203 | $1,710 | $257,851 |
| 12.2 | 32801 | Orlando | 17,046 | $1,924 | $344,715 |
| 12.3 | 32812 | Orlando | 34,686 | $1,641 | $386,668 |
| 12.3 | 33896 | Davenport | 26,731 | $1,793 | $352,098 |
| 12.9 | 34746 | Kissimmee | 60,595 | $2,112 | $357,259 |
| 13.1 | 32804 | Orlando | 21,720 | $2,046 | $505,129 |
| 13.3 | 34744 | Kissimmee | 66,582 | $2,056 | $380,234 |
| 13.7 | 32827 | Orlando | 19,711 | $2,409 | $639,417 |
| 13.9 | 32803 | Orlando | 22,152 | $2,048 | $472,138 |
| 14.4 | 33897 | Davenport | 30,159 | $2,120 | $341,209 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.