Where to live near Disney World
Every town tells a different story. Here are the numbers behind each one.
Near It All
There's no single best town. There's the right one for your numbers.
The right town depends on your budget, how often you'll make the drive, and what a home really costs each month. Compare them here, then look closer at the ones that fit.
| Town | Road miles | Median sale price | County | Millage | Citizens HO3 average |
|---|---|---|---|---|---|
| Celebration | 7.1 | $580,000 | Osceola | 14.97 | $2,565/yr |
| Windermere | 14.2 | $945,000 | Orange | 17.41 | $2,692/yr |
| Kissimmee | 14.4 | $348,000 | Osceola | 14.97 | $2,565/yr |
| Davenport | 20.5 | $330,000 | Polk | 15.44 | $2,564/yr |
| Winter Garden | 20.7 | $610,000 | Orange | 17.41 | $2,692/yr |
| Poinciana | 21.8 | $289,990 | Osceola | 14.97 | $2,565/yr |
| Haines City | 22.4 | $332,290 | Polk | 15.44 | $2,564/yr |
| Clermont | 24.3 | $437,490 | Lake | 15.63 | $2,117/yr |
| Minneola | 24.6 | $479,990 | Lake | 15.63 | $2,117/yr |
| St. Cloud | 24.9 | $379,000 | Osceola | 14.97 | $2,565/yr |
| Groveland | 29.7 | $373,500 | Lake | 15.63 | $2,117/yr |
Tax rates and insurance are county figures, so homes in the same county can differ. Private insurers price each home separately.
Your next step
Tell me your budget. I'll show you the map.
Give me a monthly number and the places you'll drive to most, and we'll narrow it down with real homes.
Common questions about where to live near Disney World
What is the best town to live in near Disney World?
There's no single best town. The right one depends on your budget, how often you'll make the drive, and what a home really costs each month. Compare distance, price, tax rate and insurance side by side, then look closer at the towns that fit.
Which county near Disney World has the lowest property tax rate?
Of the 4 counties on this page, Osceola County has the lowest 2025 millage, at 14.97, and Orange County has the highest, at 17.41. Your own bill depends on the home's taxable value and any exemptions, so get an estimate at the price you'd pay.
How much is homeowners insurance near Disney World?
Citizens Property Insurance reports average HO3 premiums from $2,117 a year in Lake County to $2,692 in Orange County, in its 2026 figures. Private insurers price each home separately, so get a quote for the exact address.
Can a homestead exemption lower my property tax?
Yes, if the home will be your permanent Florida residence and you file for it yourself. The homestead exemption and the Save Our Homes cap can lower the bill a lot, and the application is due to the county property appraiser by March 1.
How do I narrow down where to live near Disney World?
Start with a monthly budget and the places you'll drive to most. Give me both, and I'll narrow the towns down with real homes and the full monthly cost of each.
Related guides
- Lower-priced areas near Disney World
- Distance and drive times from each town
- Property tax and homestead in Florida
- Home insurance and flood zones near Disney World
- Moving to Orlando: first steps
Sources
- Road routing from OpenStreetMap data, OSRM, measured November 2, 2026
- Redfin Data Center, closed sales by town, latest monthly data
- Florida Department of Revenue data book, 2025 millage
- Citizens Property Insurance policies in force, 2026 figures
Your next chapter, by the numbers.
Search the market, read the data, or talk to me. The numbers are the same either way.