Osprey, FL—34229
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Osprey, FL
As of Oct '25, the median home price in Osprey, FL is $664,000, with a year-over-year change of -7.4%. This indicates that home prices in Osprey, FL are decreasing. According to Zillow, the 1-year price projection is -0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $664,000 | -7.4% |
| Single Family | $721,000 | -7.4% |
| Condos | $387,000 | -10.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $327,000 | -11.1% |
3 Bed | $689,000 | -7.1% |
4 Bed | $942,000 | -7.2% |
| 5 Bed | $2,049,000 | -3.8% |
% of Housing Stock
Rental Trends — Osprey, FL
As of July '25, Rentcast reports the average rent in Osprey, FL is $3,630, with a year-over-year rent change of -12.1%. Per bedroom, the median rent as of July '25 in Osprey, FL is studios: $800, 1-bedrooms: $1,860, 2-bedrooms: $2,770, 3-bedrooms: $4,420, 4-bedrooms: $4,570. The most common rental property sizes in Osprey, FL are 2-bedroom and 5+ bedroom, accounting for 53.9% and 19.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,700 | $3,630 |
| Studio Rent | $800 | $800 |
| 1 Bed Rent | $2,020 | $1,860 |
| 2 Bed Rent | $2,200 | $2,770 |
| 3 Bed Rent | $4,200 | $4,420 |
| 4 Bed Rent | $4,200 | $4,570 |
% of Rental Stock
Property Listings — Osprey, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Osprey, FL is 92. This is a increase of 11.0% 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 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $812,000 | -9.0% |
Listing Count | 128 | 6.0% |
| Listings as % of Homes | 1.8% | 6.0% |
Days on Market | 92 | 11.0% |
Demographics — Osprey, FL
As of the latest ACS Survey released in 2023, Osprey, FL has a population of 7,240, which has decreased by -7.5% over the past 5 years. Osprey, FL is a less popular place for families, as children make up 9.7% of the population. The area has a highly educated workforce, with 58.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 20.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 7,240 | -7.5% |
% Under 18 | 9.7% | -31.2% |
% Seniors | 52.0% | 42.1% |
% WFH | 20.9% | 190.3% |
% w/ College Degree | 58.3% | 9.4% |
As of the latest ACS Survey released in 2023, Osprey, FL is a predominantly white area, with 90.6% of the population identifying as white. The white population has grown by 2.4% in the last 5 years. The second most common race or ethnicity in Osprey, FL is hispanic, making up 4.3% of the population. Foreign-born residents account for 9.7% of the population in Osprey, FL, and this percentage has decreased by 43.3% 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 | 90.6% | 2.4% |
% Black | 0.6% | -25.0% |
% Hispanic | 4.3% | -51.1% |
% Asian | 1.7% | 112.5% |
% Foreign Born | 9.7% | -43.3% |
Mortgage and Risk — Osprey, FL
According to HUD data as of 2023, there were 124 mortgage originations in Osprey, FL, of which 90.0% of loans were conventional mortgages. The average loan-to-value was 48.0%, with 6.0% above 90% LTV (normal). This implies small mortgage risk in Osprey, FL. Investor activity is low, as 1.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 124 |
% Conventional Loans | 90.0% |
% Government Loans | 10.0% |
% Investor Loans | 1.0% |
% Second Loans | 9.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Osprey, FL
As of 2024, the percent of homes in Osprey, FL under the Section 8 program is 0.5%. 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. In Osprey, FL, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | 0.5% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$180 | $2,020 | $1,840 |
| 2 Bedroom | -$50 | $2,200 | $2,150 |
| 3 Bedroom | -$1,380 | $4,200 | $2,820 |
| 4 Bedroom | -$820 | $4,200 | $3,380 |
Affordability — Osprey, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 8 |
| Median Home Price | $664,000 |
| Median Household Income | $93,900 |