Rent vs Buy in Kissimmee, FL

Osceola County · 2026 · Rate: 6.23%

Median Home Price
$330K
Median Rent
$1,750/mo
Price/Rent Ratio
15.7x
Verdict
Buy Favored

Kissimmee Rent vs Buy Calculator

Pre-filled with Kissimmee market data. Adjust any value to match your situation.

Your Scenario

Monthly Rent$1,750/mo
Home Purchase Price$330K
Down Payment20%
Years You Plan to Stay10 yrs
Annual Home Appreciation4%
Annual Rent Increase3%
Break-even Point
Year 5
After 10 years:
Buying saves +$164K
vs renting over same period
Yr 5
🏠 Buy
saves $12K
Yr 10
🏠 Buy
saves $164K

Buying cost includes P&I, taxes (~1%), insurance (~0.35%), and maintenance (~1%). Renting cost assumes 3% annual increase. Home appreciation at 4%/yr. Excludes closing costs and tax deductions.

FAQ

Rent vs buy questions for Kissimmee

Is it better to rent or buy in Kissimmee?

Kissimmee's price-to-rent ratio is 15.7x. This is below 16, which generally favors buying — if you plan to stay 5+ years. At current rates of 6.23%, a $330,000 home with 20% down has a monthly P&I payment of approximately $1,622.

What are the ongoing costs of owning in Kissimmee?

Beyond the mortgage, budget for property taxes (~0.9% per year ≈ $2,970/yr on a median home), homeowner's insurance (~$1,750/yr), and maintenance (~1% of home value annually). Total monthly cost of ownership is typically $26,895 vs. median rent of $1,750.

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