Understand Maitland before you commit to an address
Maitland is twenty thousand people immediately north of Winter Park, built around a chain of lakes and, since the 1970s, the Maitland Center office park that gave central Florida its first real suburban employment center. The Maitland Art Center, a 1930s fantasia in concrete, is a national historic landmark and the least likely thing in this metro. 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 Maitland, 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 Maitland
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 Maitland is the right part of the metro
No neighborhood guides for Maitland 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 Maitland actually involves
Maitland's 5.05 mills plus a 0.20 debt levy put its total at 16.31 and a buyer's effective rate at about 1.50%. Like Winter Park and unlike the other seven Orange County municipalities here, Maitland is outside the Orange County Library District and pays none of its 0.3748 mills, because it runs its own library. What the city has that most of its neighbours do not is a substantial non-residential base in Maitland Center, which is also the reason the city's tax base survived the collapse of the office market better in prospect than in fact. Office vacancy on Maitland Boulevard is a live municipal problem and the assessed values behind those buildings have been falling.
Residentially this is a stable, mature, low-turnover market of lakefront houses and 1970s and 1980s subdivisions, and it prices at a premium to its size because of the school assignments and the location. The SunRail station is at the office park rather than in the residential grid, so it serves commuters into Maitland better than it serves commuters out of it, which is a pattern worth checking against your own working day.
The office park at the interchange is the city's fiscal engine and the reason a small residential base carries the millage it does. It also means the city's traffic is inbound in the morning rather than outbound, which is the opposite of most of this layer and makes a local commute unusually easy.
The residential stock is older than the office towers suggest: 1950s to 1980s houses on wooded lots, many with lake frontage or lake access, and comparatively little new construction. Turnover is low, which makes the index here move on a small number of sales.
Moving to Maitland: check these before you commit
- Lakefront and lake access, which is what the premium here is actually for and which varies street by street.
- Which direction your commute runs, because the SunRail station here is built for people arriving rather than leaving.
- School assignments, which drive this market and do not follow the city boundary.
- The age of the systems in 1960s and 1970s housing, which is much of what trades here.
- Whether lake access is deeded, shared or merely nearby, since the difference is priced.
Maitland levies 5.2425 of the 16.3055 mills charged here; the rest is Orange County, the school district and the water management district, none of which the city council sets.
Sourced, dated, and separated from the guesswork
Every Maitland 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 Maitland 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