$400K in Winter Garden, Clermont & Davenport FL: What It Buys

If you have set your first-home budget at $400,000, you have picked a number that means three completely different things depending on which exit you take off Highway 429. At Bella Trae Realty we pulled live Stellar MLS active-listing data on September 11, 2026 for Winter Garden, Clermont and Davenport, and the gap between those three markets is wider than most first-time buyers expect.

Where the $400,000 Line Falls in Each City

Start with the middle of each market. Across all active for-sale homes — single-family, townhome and condo — the median asking price right now is $572,450 in Winter Garden, $474,900 in Clermont, and $397,450 in Davenport.

That last figure is the tell. In Davenport, $400,000 sits right at the middle of the market. In Winter Garden, it sits near the bottom quarter. Of 660 active listings in Winter Garden, 153 are priced at or under $400,000 — about 23%. Clermont has 188 of 643, or 29%. Davenport has 881 of 1,678, which is 53%.

Same budget. In one city you are shopping more than half the inventory. In another you are shopping less than a quarter of it.

Winter Garden: Eleven Houses, and a Condo Market Worth a Look

Here is the number that stops people. Of every active single-family home listed in Winter Garden today, exactly 11 are priced at or under $400,000. Eleven. The median asking price for a single-family home there is $729,900.

Those 153 sub-$400K listings are real, but most of them are not houses: 115 are condos and 27 are townhomes. Median size in that price band is roughly 1,375 square feet, and the median bedroom count is two.

None of that makes Winter Garden a bad idea. It makes it a different idea. If your priority is walkable Plant Street weekends, strong schools and a short hop to Horizon West employers, a two-bedroom condo or a townhome at $400,000 buys you the address. If your priority is a fenced yard and a two-car garage, the math is telling you to look west.

One more thing worth knowing: sub-$400K listings in Winter Garden are sitting the longest of the three markets, a median of about 118 days, against 77 days for Winter Garden listings overall. Thin supply plus slow movement usually means the handful that are priced correctly go quickly and the rest are priced hopefully. Be ready to move on the good one.

Clermont: The Budget Still Buys a Driveway and a Yard

Clermont is where $400,000 behaves the way most first-time buyers imagine it should. There are 142 active single-family homes listed at or under $400,000 — nearly thirteen times Winter Garden’s count. The median single-family asking price is $499,450, so your budget is not the floor of the market; it is a legitimate slice of it.

Size holds up, too. The median sub-$400K listing in Clermont runs about 1,572 square feet with three bedrooms. That is a real house, not a starter box.

The tradeoff is geography. Clermont’s hills are genuinely lovely and genuinely inconvenient if you work in Lake Nona or downtown Orlando, so budget honestly for the drive. Homes in this price band are also moving faster here than in the other two markets — a median of roughly 66 days on market — so the good ones do not linger.

Davenport: Half the Market Fits, So Shop the Fine Print

Davenport gives you the most to choose from by a wide margin: 470 single-family homes at or under $400,000, plus 275 townhomes and 136 condos. Median size in that band is about 1,682 square feet, the largest of the three cities.

The caveats are real, and they are part of why the inventory runs so deep. A large share of Davenport’s housing stock was built with short-term rental use in mind, which means resort-style HOA dues, CDD assessments layered onto the tax bill, and in some communities rules written for an owner who does not live there. Two homes with identical list prices can carry monthly costs that differ by several hundred dollars.

Listings under $400,000 here are averaging about 84 days on market, and Davenport overall is running near 93 days — the softest of the three. That is leverage. Ask for closing-cost help. Ask what the CDD balance is. Ask whether the HOA caps rentals. In this market, this fall, those questions get answered.

How to Spend a Saturday of Showings This Fall

The fall window in Central Florida is a genuinely good one for buyers. Metro-wide inventory is at its highest level in more than a decade, homes are taking longer to sell than they did two years ago, and sellers who listed back in spring and are still sitting have become noticeably more willing to talk.

• Pick your non-negotiable first. Yard or address. That single choice decides your city before it decides your house.
• Compare total monthly cost, not list price. HOA, CDD and insurance can put $400 a month between two $380,000 homes.
• Read the days-on-market number. In these three markets, a listing past 90 days is a conversation starter, not a red flag.
• Get fully underwritten, not just pre-qualified. Where inventory is thin — Winter Garden especially — that is what wins the one good house.

Let’s Find What Your Budget Actually Buys

Numbers like these shift month to month, and the version that matters is the one built around your budget, your commute and your must-haves. Bella Trae Realty works all three of these markets every week, and we are glad to pull a live list of everything that fits — including the homes that have not hit the portals yet. Contact Bella Trae Realty today and let’s map your $400,000 against the right city.

Figures above reflect active residential listings (single-family, townhome and condo) in Stellar MLS as of September 11, 2026, retrieved through Lofty Listing Discovery. Active list prices are not sold prices, and conditions change; ask us for current numbers before you make an offer.