Cost of Living in Clermont vs. Other Central Florida Cities

If you’re considering moving to Central Florida, understanding the cost of living is essential—especially when deciding between Clermont and other popular cities like Orlando, Winter Garden, Kissimmee, or Lake Nona. As local real estate experts at Team Bell, we’ve helped hundreds of families navigate their move, and we’re here to give you a transparent, neighborhood-level breakdown.

Whether you’re a first-time homebuyer, a growing family, or a retiree, Clermont offers a lifestyle that’s both affordable and fulfilling. In this blog post, we’ll compare housing prices, utilities, transportation, healthcare, and lifestyle expenses in Clermont versus other Central Florida cities. Let’s dive in.

Housing Costs: Clermont vs. Orlando, Winter Garden & More

The largest piece of your monthly budget is likely to be your mortgage or rent, so let’s start there.

• Clermont: The median home price is approximately $390,000–$420,000. You can still find spacious 3-4 bedroom homes in family-friendly neighborhoods at reasonable prices.
• Orlando: Expect higher prices, averaging $440,000–$480,000, especially near downtown or desirable suburbs like Baldwin Park.
• Winter Garden: This upscale, charming city has homes averaging $500,000+, especially in the newer developments.
• Kissimmee: More budget-friendly with median prices around $350,000, though some neighborhoods may have older or more densely packed properties.
• Lake Nona: Known for luxury and innovation, homes here often exceed $600,000.

Why Clermont Wins: You get a suburban, scenic environment (hello, rolling hills and lakes!) with lower property taxes and more land for your money.

Property Taxes & Utilities

• Clermont (Lake County): Lake County boasts moderate property tax rates compared to Orange and Osceola counties. Most residents report yearly property taxes between $2,500–$4,000, depending on home value.
• Orlando & Winter Garden (Orange County): Slightly higher, ranging $3,500–$5,000+ per year.
• Kissimmee (Osceola County): Similar to Clermont, but with fewer high-end public services.
• Lake Nona (Orange County): Premium taxes, often $5,000+ annually.

Utilities such as electricity and water are relatively consistent across Central Florida, but Clermont homes—often newer or energy-efficient—tend to have lower monthly utility bills.

Transportation Costs

• Clermont: Many residents commute to Orlando via major highways like US-27 and SR-50. While public transport is limited, fuel and insurance costs remain moderate.
• Orlando: More access to public transit, but daily traffic and parking fees can add up.
• Winter Garden & Lake Nona: Expect similar commute expenses to Orlando but higher car insurance rates due to denser traffic zones.

Clermont offers easy highway access and fewer tolls than some other areas.

Healthcare & Insurance

Clermont has a robust healthcare network with Orlando Health South Lake Hospital and a growing number of specialized practices. Insurance premiums are typically 10–15% lower than in more urbanized areas like Orlando or Lake Nona.

Nearby cities might offer more choices, but Clermont combines quality care with lower premiums, making it a preferred spot for retirees and families alike.

Groceries, Dining & Entertainment

• Groceries: Comparable across all cities with small variations. Clermont has Publix, Aldi, and a growing number of international markets.
• Dining: Clermont is thriving with new local restaurants, lakeside dining spots, and popular chains—usually at lower price points than Lake Nona or Winter Garden.
• Entertainment: Clermont has free or low-cost events, community concerts, and access to lakes, parks, and trails. You’re just a short drive from Orlando’s theme parks—without the crowds or prices.

Quality of Life: What Your Money Really Buys

In Clermont, your money goes further—not just in housing, but in space, peace, and lifestyle. You’ll enjoy:

• Gated communities with amenities like pools, parks, and clubhouses
• Access to scenic gems like Waterfront Park, Lake Minneola, and the South Lake Trail
• A tight-knit community with farmer’s markets, family festivals, and local art walks

Many families relocating here tell us they “didn’t know this side of Florida existed.” It’s truly the hidden gem of Central Florida.

Final Thoughts from Team Bell

We’re not just realtors—we’re locals. At Team Bell, we know how important your home—and your budget—is to your future. We’ve helped countless families relocate to Clermont, and we’re confident that it delivers the best balance of affordability, lifestyle, and opportunity in Central Florida.

For more in-depth neighborhood tours and real-time housing market updates, check out our YouTube channel, Living in Central Florida with Team Bell,

or visit us online at www.TeamBellFL.com.