Lady Lake, FL—32159
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Lady Lake, FL
As of Oct '25, the median home price in Lady Lake, FL is $319,000, with a year-over-year change of -4.2%. This indicates that home prices in Lady Lake, FL are decreasing. According to Zillow, the 1-year price projection is 0.5%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $319,000 | -4.2% |
| Single Family | $319,000 | -4.2% |
| Condos | $342,000 | 6.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $274,000 | -5.5% |
3 Bed | $365,000 | -3.7% |
4 Bed | $460,000 | -3.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Lady Lake, FL
As of July '25, Rentcast reports the average rent in Lady Lake, FL is $2,300, with a year-over-year rent change of -0.9%. Per bedroom, the median rent as of July '25 in Lady Lake, FL is 1-bedrooms: $1,430, 2-bedrooms: $2,150, 3-bedrooms: $2,640, 4-bedrooms: $2,250. The most common rental property sizes in Lady Lake, FL are 2-bedroom and 1-bedroom, accounting for 48.0% and 25.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,100 | $2,300 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,280 | $1,430 |
| 2 Bed Rent | $1,800 | $2,150 |
| 3 Bed Rent | $2,200 | $2,640 |
| 4 Bed Rent | $2,350 | $2,250 |
% of Rental Stock
Property Listings — Lady Lake, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Lady Lake, FL is 88. This is a increase of 32.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 32.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $363,000 | -7.0% |
Listing Count | 265 | 20.0% |
| Listings as % of Homes | 0.7% | 20.0% |
Days on Market | 88 | 32.0% |
Demographics — Lady Lake, FL
As of the latest ACS Survey released in 2023, Lady Lake, FL has a population of 30,800, which has increased by 2.4% over the past 5 years. Lady Lake, FL is a less popular place for families, as children make up 7.7% of the population. The area has a moderately educated workforce, with 29.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 30,800 | 2.4% |
% Under 18 | 7.7% | -11.5% |
% Seniors | 59.2% | 2.8% |
% WFH | 9.6% | 12.9% |
% w/ College Degree | 29.1% | 16.4% |
As of the latest ACS Survey released in 2023, Lady Lake, FL is a predominantly white area, with 86.0% of the population identifying as white. The white population has shrunk by 3.3% in the last 5 years. The second most common race or ethnicity in Lady Lake, FL is hispanic, making up 5.7% of the population. Foreign-born residents account for 5.0% of the population in Lady Lake, FL, and this percentage has decreased by 19.4% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 86.0% | -3.3% |
% Black | 3.9% | 44.4% |
% Hispanic | 5.7% | 7.5% |
% Asian | 1.5% | 25.0% |
% Foreign Born | 5.0% | -19.4% |
Mortgage and Risk — Lady Lake, FL
According to HUD data as of 2023, there were 664 mortgage originations in Lady Lake, FL, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 21.0% above 90% LTV (very high). This implies large mortgage risk in Lady Lake, FL. Investor activity is low, as 3.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 664 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 3.0% |
% Second Loans | 9.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Lady Lake, FL
As of 2024, the percent of homes in Lady Lake, FL under the Section 8 program is 1.9%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Lady Lake, FL, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 124 |
Total Units Section 8 | 124 |
% Rentals under Section 8 | 1.9% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $200 | $1,280 | $1,480 |
| 2 Bedroom | -$120 | $1,800 | $1,680 |
| 3 Bedroom | -$70 | $2,200 | $2,130 |
| 4 Bedroom | $220 | $2,350 | $2,570 |
Affordability — Lady Lake, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6 |
| Median Home Price | $319,000 |
| Median Household Income | $57,500 |