What insurance actually costs in each county. A century of home prices with inflation stripped out. The commercial refinance wall. Research written for people who own, buy, or invest in Central Florida property, from an agent and investor who uses it on his own deals.
Original research on the costs, prices, and debt that shape Central Florida property. A few pieces ran first in the Central Florida Realty Investors newsletter.
Rates are falling in Florida for the first time in years — and inland Central Florida is the cheapest corner of the state to insure. County-by-county numbers straight from the state regulator, plus what actually moves your premium.
Strip out inflation and the whole picture changes. An interactive look at U.S. home prices from 1890 to today — the flat century, the 2006 bubble that fully erased itself, and where we sit now.
Fix-and-flip, long-term rentals, short-term hospitality, or syndications? A field guide to matching a strategy to your time, capital, and what actually energizes you.
Each one comes straight from the regulator, the index, or the lender data, and each one links to the full piece.
Average homeowners premium in Sumter County. The least expensive county in Florida to insure a house, out of all 67.
Average premium in Orange County. Roughly half of Palm Beach at $6,323. Inland Central Florida is the cheap corner of the state.
U.S. home prices in constant dollars, January 2026. The long run average since 1890 is 154. Every month since early 2021 has been above the 2006 peak.
Commercial and multifamily mortgages scheduled to mature in 2026, into soft rents and a Fed that just raised rates.
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