Windermere FL Home Prices by Home Type: October 2026 Guide

Windermere FL homes in the 34786 ZIP code sold for a median of $764,775 over the three months ending September 2026, and the typical home took 57 days to sell, according to Redfin. Two other aggregators put the median sold price higher: Realtor.com at $830,000 for 34786 in August 2026, and Zillow at $859,833 for its Windermere area in August 2026. A fair reading for October 2026 is a median sale price between about $765,000 and $860,000. The bigger story is the spread by home type: Redfin shows condos at $308,991, townhomes at $392,001 and single-family homes at $959,758 in 34786 over the same three months.

Prices inside the incorporated Town of Windermere sit well above the ZIP code. Redfin's median sale price for the town was $1,199,429 for the three months ending September 2026, and those homes took a median of 80 days to sell. Across 34786, 38.1% of homes for sale had a price drop in September 2026, so many sellers are adjusting to the market this fall.

Windermere FL Home Prices by Home Type in October 2026

Windermere is usually described as a luxury market, and the single-family numbers support that. The 34786 ZIP code also holds a steady supply of townhomes and condos that sell for a fraction of the single-family median. Here is how Redfin's sold data breaks down for the three months ending September 2026. All prices below are sold prices.

Single-family homes made up 131 of the 172 sales Redfin counted in 34786 in September 2026, so they drive the overall median. Townhome sales rose 51.4% from a year earlier, which helps explain why the all-types median fell faster than the single-family median. When more lower-priced homes sell in a given month, the overall median drops even if individual home values hold steady.

That is why the year-over-year declines need context. Zillow's Home Value Index, which estimates the typical value of all homes in the area, including those that did not sell, shows the typical Windermere home at $709,948 as of September 30, 2026, up 0.8% from a year earlier. Values are roughly flat. The double-digit drops in the sold medians reflect which homes changed hands this summer more than a broad price decline.

Days on Market: Which Windermere Homes Sell Fastest

Lower price points sold faster in 34786. Redfin's median days on market for the three months ending September 2026 was 29 days for condos, 55 days for townhomes and 58 days for single-family homes. Condo figures rest on a small number of sales, only six in September, so treat that 29-day number as a rough guide.

Single-family homes slowed the most compared with last year. Their median time on market rose by 16 days year over year, while townhomes added 3 days. Inside the town limits, the median was 80 days, about the same as the 83 days Redfin recorded a year earlier.

Zillow shows the same slowdown from a different angle. Its median days to pending for the Windermere area was 48 days in September 2026, up from 40 days in August and 35 days in July. Realtor.com, which counts days for listings still on the market, put the 34786 median at 70 days for August 2026. Sold and active measures differ, so expect a typical Windermere home to need somewhere between seven and ten weeks from listing to contract right now.

Redfin's competitiveness data adds one more detail. In 34786, the average home goes pending in about 64 days, while its "hot homes" go pending in about 35 days at close to list price. Homes that are priced right, show well and sit in a desirable school zone or community still sell much faster than the median.

Sale to List Price and Negotiating Room by Price Band

Buyers have more room to negotiate on Windermere's single-family homes than on its townhomes and condos. Redfin reports these sale-to-list ratios for September 2026:

• Condos in 34786: 97.6% of list price, with 21.3% of listings taking a price drop.
• Townhomes in 34786: 97.4% of list price, with 34.2% taking a price drop.
• Single-family homes in 34786: 95.7% of list price, with 39.8% taking a price drop.
• Town of Windermere, all types: 95.5% of list price, with 35.6% taking a price drop.

On a $1 million single-family listing, a 95.7% ratio works out to roughly $43,000 below list. On a $400,000 townhome, 97.4% is about $10,400 below list. Zillow's data points the same way: the median Windermere-area home sold at 96.7% of list price in August 2026, and 77.8% of homes sold below their list price. Realtor.com reports 34786 homes sold about 3.2% below asking in August 2026.

Few homes are selling over asking. Redfin shows 4.7% of 34786 homes sold above list in September 2026. Inside the town limits that share was 10.5%, but with only 19 sales that month, a couple of competitive waterfront or renovated homes can move that number a lot.

Inside the Town of Windermere: Higher Prices on Fewer Sales

Redfin's city figures cover the incorporated town, a much smaller area than the 34786 mailing address. Nineteen homes sold there in September 2026, compared with 172 across the ZIP code. With so few sales, one large lakefront closing can shift the median by hundreds of thousands of dollars. The town's 25.0% year-over-year drop in median sale price should be read with that in mind.

Price per square foot gives a steadier comparison. Redfin puts the town's median sale price per square foot at $426 for the three months ending September 2026, against $284 for 34786 as a whole. Buyers pay about 50% more per square foot inside the town limits, which reflects lot sizes, lake access and the age and character of the housing stock.

Redfin's compete data shows the town's average home selling for about 5% below list and going pending in around 46 days, while its hot homes go pending in about 13 days. Well-priced homes inside the town still draw quick offers, and overpriced ones wait.

What October 2026 Means for Windermere Buyers and Sellers

For buyers, late fall is a reasonable time to shop Windermere's single-family segment. Days on market are up from last year, close to four in ten listings have cut their price, and the typical home sells below list. With homes taking longer to sell than a year ago, a buyer shopping in November and December can often take time on inspections and negotiate terms such as closing cost credits. Townhomes and condos sell faster and closer to list, so buyers in those price bands should expect less negotiating room.

For sellers, pricing by home type matters more than the headline median. A single-family seller who prices off spring numbers is likely to join the 39.8% of listings taking a reduction. A townhome or condo seller faces a tighter market with better odds of selling near list. Bella Trae Realty prices each listing against recent closed sales of the same home type in the same community, since a ZIP-wide median mixes $300,000 condos with multimillion-dollar lakefront estates.

What a monthly payment looks like at each median

Freddie Mac's Primary Mortgage Market Survey put the 30-year fixed rate at 7.32% for the week of October 22, 2026, down from 7.40% the week before. Using that rate and 20% down, here is the principal and interest on each 34786 median:

• Condo at $308,991: about $1,698 a month.
• Townhome at $392,001: about $2,154 a month.
• Single-family home at $959,758: about $5,274 a month.

These figures leave out property taxes, homeowners insurance, HOA dues and any CDD assessment, which can add a large amount in Windermere communities. Freddie Mac's survey reflects borrowers with strong credit and 20% down on conventional loans, so larger loan amounts and different credit profiles may price differently. Use these numbers to compare home types, then get a loan estimate from your lender for your exact situation.

All figures in this guide come from public aggregators (Redfin, Zillow and Realtor.com), which draw on MLS and public records and can lag by a month or two. They are not a pull from Stellar MLS. For a specific home or community, a current comparative market analysis is the better guide.

Frequently Asked Questions

What is the median home price in Windermere FL in October 2026?

Redfin reports a median sale price of $764,775 for the 34786 ZIP code over the three months ending September 2026. Realtor.com shows a median sold price of $830,000 and Zillow a median sale price of $859,833, both for August 2026. A fair range is about $765,000 to $860,000.

How much do townhomes and condos cost in Windermere?

Redfin's sold data for 34786 shows a median of $392,001 for townhomes and $308,991 for condos over the three months ending September 2026. Single-family homes had a median of $959,758 over the same period.

How long does it take to sell a home in Windermere right now?

Redfin shows a median of 57 days on market for all 34786 sales over the three months ending September 2026: 29 days for condos, 55 for townhomes and 58 for single-family homes. Zillow's median days to pending for the Windermere area was 48 days in September 2026.

Are Windermere homes selling below asking price?

Most are. Redfin reports a 95.7% sale-to-list ratio for single-family homes in 34786 in September 2026, and Zillow shows 77.8% of Windermere-area homes sold below list in August 2026. Townhomes and condos sold closer to list, at about 97.4% and 97.6%.

Why are homes inside the Town of Windermere priced higher than 34786?

The incorporated town is a small area with older lots, lake access and fewer sales. Redfin shows a $1,199,429 median sale price and $426 per square foot in the town over the three months ending September 2026, compared with $764,775 and $284 per square foot across 34786.

Contact Bella Trae Realty today for a price and timing review of the Windermere home type and community you are considering.

Sources: Redfin housing market data for ZIP 34786 and the Town of Windermere, three months ending September 2026 (retrieved October 26, 2026); Zillow Home Value Index and market data for Windermere, updated September 30, 2026; Realtor.com 34786 market summary, August 2026; Freddie Mac Primary Mortgage Market Survey, October 22, 2026. Figures are aggregator data, not Stellar MLS. Prices are sold prices unless labeled as list prices.

Rebecca Redman-Hamaoui is the broker and owner of Bella Trae Realty, specializing in residential real estate sales and property management across Winter Garden, Windermere, Clermont, Davenport, and Kissimmee. Contact Bella Trae Realty at bellatraerealty.com for expert guidance.