ZIP Code · FL

ZIP 32778

Part of Tavares, FL

Pop. 25,042·Lake County·392nd most expensive ZIP in Florida

Median rent (all units)

$1,964/mo

Year-over-Year

-1.5%

Month-over-Month

Stable

vs US Median

+$32

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 32778 · $1,964

More expensive than 59% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,270

1 BR

$1,340

2 BR

$1,520

3 BR

$1,920

4 BR+

$2,320

Research median

$1,520/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 32778 is 3.7% below its high of $2,039 in February 2026, at $1,964 as of September 2026.

Past year vs. the rest of Florida

Rent in ZIP 32778 changed -1.5% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.

What a typical income covers

30% of the median household income ($63,472) is $1,587 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,520); a 3-bedroom is $1,920.

Cheaper nearby

ZIP 32726, 6 miles away, rents for 20% less ($1,570/mo), about $4,700 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 32778. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$23,568/yr

At $1,964/mo median

Location

CityTavares

StateFL

CountyLake County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (-1.5% YoY, +0.0% MoM), not inventory.

Demographics

Who lives here

ZIP 32778 (Tavares, FL) is majority owner-occupied, has a large retiree population, has a median income below the national average, 26.1% of residents hold a bachelor's degree or higher.

Population

25,042

Median income

$63,472

Median age

53.1

Renters

21.4%

Age distribution

15.9%

16.6%

20.3%

13.1%

34%

Under 1815.9%

18–3416.6%

35–5420.3%

55–6413.1%

65+34%

Gender

48.2%

51.8%

Male48.2%

Female51.8%

Race & ethnicity

75.9%

13.7%

White75.9%

Black7.2%

Hispanic13.7%

Asian2%

Other1.2%

Education (25+)

29.4%

34%

26.1%

No HS diploma10.5%

HS diploma29.4%

Some college34%

Bachelor's+26.1%

Housing tenure

78.6%

21.4%

Owner78.6%

Renter21.4%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How ZIP 32778 in Tavares, FL has changed in 5 years

Rent

$1,742 → $1,964

up 12.7%

Income

$52,076 → $63,472

up 21.9%

Population

23,210 → 25,042

up 7.9%

Renter share

24.4% → 21.4%

-3.0 pts

Bachelor's+

26.3% → 26.1%

-0.2 pts

Median age

53.6 → 53.1

-0.5 yrs

Rent in ZIP 32778 in Tavares, FL has increased 12.7% since 2022, going from about $1,742 per month to roughly $1,964 today. Local incomes tracked alongside that move, going from a median of $52,076 in 2021 to $63,472 more recently. Income growth outran rent by about 9.2 percentage points, easing the affordability math somewhat compared with 2021. Headcount in the area went from 23,210 to 25,042 between 2021 and 2024, a 7.9% change. About 21.4% of households rent today, against 24.4% in 2021. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 32778 in Tavares, FL market of 2022.

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About renting in ZIP 32778

Last updated: October 17, 2026

ZIP code 32778 covers Tavares, FL. The median rent here is $1,964/mo as of October 2026. A 1-bedroom rents for a median of $1,340/mo. A 2-bedroom rents for a median of $1,520/mo.

At 37% of local median household income ($63,472/yr), ZIP 32778 ranks as moderate compared to the national benchmark of 30%. Rents have decreased 1.5% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 32778?

To keep rent at or below 30% of gross income, you would need to earn at least $79,000/year (about $38/hour full-time) to afford the median rent of $1,964/mo in ZIP 32778. The local median household income is $63,472/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 32778?

Rent in ZIP 32778 has fallen 1.5% over the past year as of September 2026. It sits 3.7% below its high of $2,039 in February 2026.

How does ZIP 32778 compare to other ZIPs in Florida?

ZIP 32778 is in the middle among Florida ZIP codes for rent, ranking #392 of 656 at $1,964/mo. Over the year to September 2026, rent in ZIP 32778 changed -1.5%, against a typical +1.8% across the 623 Florida ZIP codes Zillow tracks.