Understand Groveland before you commit to an address
Groveland is twenty-five thousand people west of Clermont in south Lake County, a citrus town that has grown by a third since the 2020 census on the back of large master-planned subdivisions along SR-50 and the 429 corridor. It is also, as the Groveland Four case made painfully clear, a place with a history it has only recently begun to confront. 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 Groveland, 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 Groveland
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 Groveland is the right part of the metro
No neighborhood guides for Groveland 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 Groveland actually involves
Groveland charges a total of 17.79 and a buyer's effective rate of 1.58%, which on a typical home value of about $372,000 is a bill of about $5,900. Its rent index of about $2,350 is one of the highest in this metro relative to its house prices. A sign of how much of the newer stock here is built for and let to households priced out of Orange County.
Nearly all of the growth is in master-planned communities with community development districts, and in Groveland the CDD assessment is often a larger share of the annual housing cost than anywhere else on this list. Add the toll on the 429 for a downtown commute and the real monthly figure moves a long way from the mortgage payment. This is the far western edge of the metro and it feels like it.
The city is at the western edge of the metro against the Green Swamp and the ridge, which gives it genuine countryside and a long drive to almost everything. That distance is the entire reason a new house here costs what it does, and it should be tested at the hour you would actually make the trip.
Because the growth is almost entirely master-planned, the amenities arrive on the developer's schedule rather than the buyer's. Pools, parks and commercial space are often years behind the first houses, and what exists today rather than what is drawn on the plan is the thing to verify.
Moving to Groveland: check these before you commit
- The community development district assessment, its amount and its remaining term, which in Groveland's new subdivisions is a major line item.
- The full commute cost including the 429 toll, priced annually.
- Whether the development is complete. Infrastructure lagging the houses is the recurring complaint on this growth front.
- Which amenities in the community are actually built and open, as opposed to planned.
- The drive to work and to a full grocery and hospital, timed rather than estimated.
Groveland levies 5.7000 of the 17.7866 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 Groveland 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 Groveland 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