County guides · County seat: Kissimmee

Living in Osceola County, Florida

South of Orlando and next to the theme parks, with Kissimmee, St. Cloud, Celebration and many new communities.

Schools

76 graded public schools: 26 A, 23 B, 24 C, 3 D or F (official 2025-26 grades).

Every school's grade and rank →

Schools guide: types of school, special needs, scholarships

Property tax and homestead

Florida has no state income tax; property tax is set by the county, cities and school district.
Homestead exemption: up to $50,000 off the taxable value of your main home. Apply by March 1.
New communities may also have CDD and HOA fees.

Osceola County Property Appraiser ↗ (values, taxes, homestead)

Loan limits (2026, one-unit home)

Conventional (conforming): $832,750 in most areas
FHA: $541,287 floor in most Florida counties
VA: no limit for borrowers with full entitlement

FHA limits explained · HUD lookup ↗

Insurance and flood

Get homeowners insurance quotes early: they vary a lot by home age, roof and location.
A wind mitigation inspection can lower the premium.
Check the flood zone for any address.

Florida insurance cost · FEMA flood map ↗

Area guides in Osceola County

Davenport & Four Corners Kissimmee St. Cloud

How much can I afford? Florida closing costs Living in Florida

General information checked October 2026. We share official facts and don't rank areas; visit and decide what suits you.

Common questions

How do I lower property taxes on a home in Osceola County?

If it is your main home, apply for Florida's homestead exemption with the Osceola County Property Appraiser by March 1 of the year after you buy. It takes up to $50,000 off the taxable value (the second $25,000 does not apply to school taxes), and the Save Our Homes rule then limits yearly increases in the assessed value.

What are the 2026 loan limits in Osceola County?

For a one-unit home, the 2026 conforming (conventional) limit is $832,750 in most areas, and the FHA limit in most Florida counties is the $541,287 floor. Check HUD's lookup for the exact FHA limit in Osceola County.

How do I find the zoned school for an address in Osceola County?

Use the school district's own school-zone lookup, and always confirm with the district, because zones can change. Our school grades page shows the official grade and rank for every public school in the county.

By Bill McElhill, Realtor® and mortgage loan originator (NMLS #2176490) · Last updated October 2026

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