What $400K, $500K and $600K Buys You in Central Florida
Oscar Hernández
July 28, 2026
One of the most common questions I get is: "Oscar, what can I buy for my budget?"
It is a great question, but the answer depends on where you want to live, what you need, and what you are willing to trade off. Here is a realistic snapshot of what $400K, $500K, and $600K looks like in Central Florida right now.
$400,000
At this price point, you have solid options in Kissimmee, St. Cloud, Davenport, and parts of Orlando. In Kissimmee and St. Cloud, $400K typically gets you a 3 to 4 bedroom home, 1,800 to 2,400 square feet, often in a newer community with amenities. In Davenport, you may find new construction at this price with builder incentives.
In Orlando proper, $400K may get you a smaller home or a townhome, depending on the neighborhood. The trade-off is location and commute versus space and community.
$500,000
This is where your options expand significantly. In most Central Florida markets, $500K gets you a 4 bedroom home, 2,200 to 2,800 square feet, with updated finishes and a two-car garage. You will find good options in Lake Nona at this price, though they may be older inventory or smaller floor plans.
In Kissimmee and St. Cloud, $500K puts you in the upper tier of communities with better lots, premium finishes, and larger floor plans.
$600,000
At $600K, you are looking at some of the best homes in Central Florida communities. In Lake Nona, this gets you into established neighborhoods with strong resale values. In Orlando, this opens up neighborhoods like Belle Isle, Conway, and parts of Dr. Phillips.
In Kissimmee, St. Cloud, and Davenport, $600K typically buys one of the largest homes in the community with premium lots and finishes.
The number that actually matters
Here is what I want you to remember: the purchase price is just the starting point. Your actual monthly payment depends on your interest rate, down payment, property taxes, insurance, HOA fees, and CDD fees. Two homes at the same price can have monthly payments that differ by hundreds of dollars.
That is the conversation I want to have with you. Not just what can you buy, but what does it actually cost to own?