Land O Lakes, FL—34637
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Land O Lakes, FL
As of Oct '25, the median home price in Land O Lakes, FL is $434,000, with a year-over-year change of -5.6%. This indicates that home prices in Land O Lakes, 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 | $434,000 | -5.6% |
| Single Family | $440,000 | -5.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $295,000 | -6.6% |
3 Bed | $368,000 | -6.6% |
4 Bed | $494,000 | -5.0% |
| 5 Bed | $632,000 | -4.1% |
% of Housing Stock
Rental Trends — Land O Lakes, FL
As of July '25, Rentcast reports the average rent in Land O Lakes, FL is $2,560, with a year-over-year rent change of -5.5%. Per bedroom, the median rent as of July '25 in Land O Lakes, FL is 2-bedrooms: $2,170, 3-bedrooms: $2,400, 4-bedrooms: $2,760. The most common rental property sizes in Land O Lakes, FL are 3-bedroom and 2-bedroom, accounting for 61.2% and 18.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,500 | $2,560 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $2,000 | $2,170 |
| 3 Bed Rent | $2,500 | $2,400 |
| 4 Bed Rent | $2,880 | $2,760 |
% of Rental Stock
Property Listings — Land O Lakes, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Land O Lakes, FL is 64. This is a increase of 16.0% 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 41.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $465,000 | -8.0% |
Listing Count | 113 | -5.0% |
| Listings as % of Homes | 2.6% | -5.0% |
Days on Market | 64 | 16.0% |
Demographics — Land O Lakes, FL
As of the latest ACS Survey released in 2023, Land O Lakes, FL has a population of 11,400, which has increased by 38.8% over the past 5 years. Land O Lakes, FL is a popular place for families, as children make up 25.4% of the population. The area has a moderately educated workforce, with 42.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 24.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 11,400 | 38.8% |
% Under 18 | 25.4% | 53.9% |
% Seniors | 16.4% | -2.4% |
% WFH | 24.3% | 94.4% |
% w/ College Degree | 42.8% | 36.3% |
As of the latest ACS Survey released in 2023, Land O Lakes, FL is a predominantly white area, with 69.5% of the population identifying as white. The white population has shrunk by 9.2% in the last 5 years. The second most common race or ethnicity in Land O Lakes, FL is hispanic, making up 16.1% of the population. Foreign-born residents account for 8.0% of the population in Land O Lakes, FL, and this percentage has increased by 45.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 69.5% | -9.2% |
% Black | 7.4% | -5.1% |
% Hispanic | 16.1% | 40.0% |
% Asian | 5.2% | 160.0% |
% Foreign Born | 8.0% | 45.5% |
Mortgage and Risk — Land O Lakes, FL
According to HUD data as of 2023, there were 416 mortgage originations in Land O Lakes, FL, of which 73.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Land O Lakes, FL. Investor activity is low, as 3.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 416 |
% Conventional Loans | 73.0% |
% Government Loans | 27.0% |
% Investor Loans | 3.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Land O Lakes, FL
Land O Lakes, FL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 4 |
Total Units Section 8 | 4 |
% Rentals under Section 8 | 0.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $2,040 |
| 2 Bedroom | $390 | $2,000 | $2,390 |
| 3 Bedroom | $560 | $2,500 | $3,060 |
| 4 Bedroom | $840 | $2,880 | $3,720 |
Affordability — Land O Lakes, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.1 |
| Median Home Price | $434,000 |
| Median Household Income | $114,000 |