Understand Clermont before you commit to an address
Clermont is fifty-one thousand people in south Lake County, built across the only genuine hills in central Florida on a chain of lakes, with a downtown on Lake Minneola and the National Training Center that has made it an endurance-sport destination. It has grown eighteen percent since 2020 and charges 16.68 mills, the lowest total in Lake County. Figures are the same two indexes measured the same way in all 24 municipalities here, on Florida's rules including the homestead exemption.
The cost of living in Clermont, and what a home costs
Two calculators on Florida's own rules: monthly compounding and the month private mortgage insurance stops, and the closing costs this state actually charges.
Rent or buy in Clermont
Whether buying here beats renting, and the year it turns over. The insurance line, which in Florida decides it, is a figure you can edit.
Mortgage calculator
Monthly compounding, the 30-year fixed loan, the private mortgage insurance a low down payment triggers, and Florida's documentary stamp and intangible taxes on the loan itself.
Then work out whether Clermont is the right part of the metro
No neighborhood guides for Clermont yet. What is here instead is the whole metro on one comparable footing.
All 24 municipalities around Orlando
Every municipality in the four counties side by side on typical home value, the millage adopted, and the rate a homesteaded buyer really pays.
Compare the metroThe 24 towns around Charlotte
The same two Zillow indexes for the same month, in a metro where the effective tax rate runs about six-tenths of Orlando's and insurance a little under six-tenths as much.
Compare the two metrosOrlando, neighborhood by neighborhood
The one municipality here with sourced guides rather than a single row of figures, including the first pages on this site to price a community development district assessment.
Explore OrlandoWhat buying in Clermont actually involves
A buyer's effective rate of 1.51% on a typical home value of about $432,000 is a bill near $6,500. Clermont's rate is low for Lake County because the city has a substantial retail and medical base along US-27 and because the county's unincorporated fire MSTU does not apply inside it. The same structure that separates incorporated from unincorporated across this whole metro.
The trade here is distance, and it is a real one: thirty-nine kilometers from downtown Orlando with the 429 and US-27 as the routes, both tolled or congested at peak. What people buy it for is topography and water. The Clermont chain of lakes, the South Lake Trail, and elevations that make this the least flood-prone part of the metro. The southern subdivisions toward Four Corners are newer, cheaper and generally in a community development district.
The chain of lakes and the hills are the reason people choose this city over the flatter suburbs closer in, and the trail network and the training center give it a sporting economy that is genuinely unusual in Florida. Lake access, elevation and view are what the premium buys here.
The city has grown enormously to the south along US-27, and that growth is where the new subdivisions and their district assessments are. The older core near the lakefront is a different market: smaller, older, closer to the water and without the district charges.
Moving to Clermont: check these before you commit
- Community development district assessments in the newer southern subdivisions, which are common and are not in the millage.
- The commute, honestly timed: this is the far edge of the metro and the 429 is a toll road.
- Which chain of lakes the property relates to, and what access actually comes with it.
- Whether the address is in the older lakefront core or the southern growth corridor, which price differently.
- What lake access conveys, since the chain is navigable and frontage is priced accordingly.
Clermont levies 4.5900 of the 16.6766 mills charged here; the rest is Lake County, the school district and the water management district, none of which the city council sets.
Sourced, dated, and separated from the guesswork
Every Clermont figure below is cited, stamped with the period it describes, and editable, because a number for the whole city rarely describes your purchase. Appreciation and investment returns are assumptions rather than facts, and they are labelled that way. Read the methodology for how the line is drawn.
- Prices, rents and tax rates: published statistics and the official schedules.
- Nothing here is a lender quote, a pre-approval or financial advice.
Where the Clermont figures come from
- Zillow Home Value Index (ZHVI), all homes, mid-tier, smoothed and seasonally adjusted: city file, June 2026 · Zillow Research · retrieved Supports: A typical home value for the 35th to 65th percentile of each municipality's market, computed on one method across all twenty-four, Year-over-year change to June 2026, which is negative in twenty-two of the twenty-four, The same series and month the Charlotte metro pages use, so the two American metros can be read against each other
- Zillow Observed Rent Index (ZORI), all homes, smoothed: city file, June 2026 · Zillow Research · retrieved Supports: A repeat-rent index of asking rents across the whole rental stock, single-family homes included, Municipality-level rent measured on one method across the metro, for twenty-three of the twenty-four
- 2025 Final Millage Rates · Orange County Property Appraiser · retrieved Supports: Orange County general at 4.4347 mills, the library district at 0.3748 and the St Johns River Water Management District at 0.1793, School state and local levies totalling 6.449 mills, Municipal rates from Windermere's 3.7425 to Eatonville's 7.2938, A published total against every mill code, including Winter Park's 15.3615 on codes 2, 4 and 6, Maitland's 16.3055 on code 6, and Windermere's 15.2311 on code 35 and 15.4839 on code 75, A blank library column on every Winter Park and Maitland code, which is what puts both municipalities outside the district
- Special taxing district information: the Orange County Library District's boundary · Orange County Library System · retrieved Supports: The district's boundary is Orange County exclusive of Winter Park and Maitland, each of which operates its own library, Laws of Florida chapter 99-486 as the enabling act behind it
- Final 2025 Millage Rates, fiscal year 2025-26 · Seminole County Property Appraiser · retrieved Supports: Total millage by taxing authority for every Seminole municipality, from Lake Mary's 14.3929 to Casselberry's 18.1808, School required local and discretionary levies totalling 5.2490 mills, The county fire and road MSTUs, which apply in the unincorporated area and in some cities but not others
- 2025 Final Millage Rates · Osceola County Property Appraiser · retrieved Supports: Kissimmee at 17.4114 mills and Saint Cloud at 17.8989, School levies totalling 5.3060 mills across required local, discretionary and capital, Dozens of separate municipal service taxing units in the unincorporated county, from 0.13 to 12.42 mills, which is why an unincorporated Osceola address cannot be given one rate