Umatilla, FL—32784
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Umatilla, FL
As of Oct '25, the median home price in Umatilla, FL is $286,000, with a year-over-year change of -2.6%. This indicates that home prices in Umatilla, 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 | $286,000 | -2.6% |
| Single Family | $286,000 | -3.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $194,000 | -4.9% |
3 Bed | $293,000 | -2.7% |
4 Bed | $395,000 | -0.5% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Umatilla, FL
As of July '25, Rentcast reports the average rent in Umatilla, FL is $1,370, with a year-over-year rent change of -12.2%. Per bedroom, the median rent as of July '25 in Umatilla, FL is 1-bedrooms: $1,040, 2-bedrooms: $1,220, 3-bedrooms: $1,740, 4-bedrooms: $2,640. The most common rental property sizes in Umatilla, FL are 3-bedroom and 2-bedroom, accounting for 38.8% and 38.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,370 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,100 | $1,040 |
| 2 Bed Rent | $1,250 | $1,220 |
| 3 Bed Rent | $1,800 | $1,740 |
| 4 Bed Rent | $2,600 | $2,640 |
% of Rental Stock
Property Listings — Umatilla, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Umatilla, FL is 55. This is a decrease of -13.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $350,000 | -6.0% |
Listing Count | 87 | -25.0% |
| Listings as % of Homes | 1.0% | -25.0% |
Days on Market | 55 | -13.0% |
Demographics — Umatilla, FL
As of the latest ACS Survey released in 2023, Umatilla, FL has a population of 9,860, which has decreased by -19.9% over the past 5 years. Umatilla, FL is a moderately popular place for families, as children make up 20.9% of the population. The area has a poorly educated workforce, with 12.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 9,860 | -19.9% |
% Under 18 | 20.9% | -10.7% |
% Seniors | 22.0% | -3.1% |
% WFH | 8.7% | 70.6% |
% w/ College Degree | 12.2% | -18.1% |
As of the latest ACS Survey released in 2023, Umatilla, FL is a predominantly white area, with 84.1% of the population identifying as white. The white population has shrunk by 0.6% in the last 5 years. The second most common race or ethnicity in Umatilla, FL is hispanic, making up 11.6% of the population. Foreign-born residents account for 4.4% of the population in Umatilla, FL, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 84.1% | -0.6% |
% Black | 1.8% | -69.0% |
% Hispanic | 11.6% | 78.5% |
% Asian | 0.1% | -95.7% |
% Foreign Born | 4.4% | 0.0% |
Mortgage and Risk — Umatilla, FL
According to HUD data as of 2023, there were 229 mortgage originations in Umatilla, FL, of which 69.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 34.0% above 90% LTV (very high). This implies large mortgage risk in Umatilla, FL. Investor activity is low, as 3.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 229 |
% Conventional Loans | 69.0% |
% Government Loans | 31.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Umatilla, FL
As of 2024, the percent of homes in Umatilla, FL under the Section 8 program is 1.0%. 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 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Umatilla, FL, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 14 |
Total Units Section 8 | 14 |
% Rentals under Section 8 | 1.0% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $380 | $1,100 | $1,480 |
| 2 Bedroom | $430 | $1,250 | $1,680 |
| 3 Bedroom | $330 | $1,800 | $2,130 |
| 4 Bedroom | -$30 | $2,600 | $2,570 |
Affordability — Umatilla, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.1 |
| Median Home Price | $286,000 |
| Median Household Income | $69,600 |