Lady Lake, Florida.
Typical home $328,905 (-1.6% in a year), asking rent $1,497 (+2.5%). Orlando-Kissimmee-Sanford, FL metro.
to buy the typical home at today's mortgage rate — +$908 (+111%) since Jan 2020.
- 1 year
- Down $5,264 -2%
- $334,169$328,905 since Sep 2025
- 5 years
- Up $47,268 +17%
- $281,637$328,905 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.
- Lady Lake$1,726
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Lady Lake, FL fell 1.6% over the past year — slower than the nation's +1.2%.
Asking rents in Lady Lake, FL rose 2.5% over the past year — in step with the nation.
Owning the typical home in Lady Lake runs $791/mo more than renting one. The gap peaked at $1,003 in Apr 2024.
That is $2,288 a month against $1,497 rent: a $1,726 mortgage payment, plus $209 property tax and $352 insurance & upkeep.
Owning vs renting — Lady Lake
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$2,288
- Renting$1,497
- Mortgage only$1,726
Property tax · $209/mo 0.76% of value a year — the ACS 2020-2024 median bill over the median home value for Lake County, FL
Insurance & upkeep · $352/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.
Living in Lady Lake, Lake County, Florida
Lady Lake is a town of 15,970 people in Lake County. Half its households earn more than $46,074 a year and half less, against $73,161 across Lake County; 12% of its people live below the poverty line. 74% of its homes are lived in by their owners and 26% are rented. Unemployment in Lake County was 4.9% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most residents work in shops, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Lady Lake is a town in Lake County, Florida, where residents are considerably older than in most of the country, and the great majority of homes are lived in by their owners. Household incomes run well below the county's, and a four-year degree is held by a smaller share of adults than is typical. Most people get to work in a short drive, and few work from home.
Work. Residents work mainly in shops, in schools, hospitals and social care, in professional and business services, and in restaurants, hotels and entertainment. Among the largest workplaces in town are Publix Super Markets, Ro-Mac Lumber & Supply, and Village Veranda at Lady Lake, an assisted-living facility. Unemployment across Lake County is a little higher than a year ago, while the number of jobs there has edged up.
Things to do. Lake Griffin State Park and Lake Okahumpka are a short drive away for time outdoors by the water. In or beside town, the Lady Lake Historical Society Museum is a place to learn about the area's past. The Ocala National Forest is a longer drive away, for those who want a bigger stretch of protected woodland. Winters are mild, with little or no snow, and summers are hot and wet.
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- 9,061households
- 22%of adults have a degree
- 12%below the poverty line
- 18 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Lake County had 118,622 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 67° and lows near 46°; warmest in July, with highs near 90° and lows near 73°. About 50 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Lisbon weather station, 10 miles away (NOAA).
Largest employers in Lady Lake
- Lady Lake Specialty Care305
- The Villages Media Group250
- The Home Depot215
- The Villages Rehab & Nursing Center200
- Sam's Club195
- OMI, Inc171
- Publix Super Markets165
- Target Department Store130
From the Town of Lady Lake’s annual financial report for 2025, its schedule of principal employers (its source: “Number of employees from Lady Lake Chamber of Commerce, www.elevatelake.com or direct calls to employers”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- Strong windRelatively high
- LightningRelatively high
- HurricanesRelatively high
- TornadoesRelatively high
- Inland floodingRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lady Lake’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Lake County and the Orlando-Kissimmee-Sanford, FL metro.
Lady Lake home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lady Lake$328,905
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 3 Lady Lake listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Lady Lake29.46%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lady Lake84
New listings per month
Sellers arriving at the market.
- Lady Lake14
Zip codes with a Lady Lake address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lady Lake — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.