Kissimmee FL Rental Yields by ZIP Code: November 2026 Numbers

As of November 2026, the highest gross rental yields in the Kissimmee area sit in the Poinciana ZIP codes and central Kissimmee, and the lowest sit in 34747 around Celebration. Using Zillow's September 2026 data, typical annual rent divided by typical home value comes to 8.3% in 34759, 7.7% in 34758 and 7.5% in 34741, against 5.9% in 34747. Typical home values fell 2% to 4% year over year in all seven ZIPs, while typical rents rose in five of them.

That mix favors buyers who want to hold a long-term rental. Prices are lower than a year ago and rents mostly held or rose. At the Freddie Mac 30-year average of 7.18% (week of November 5, 2026), a 25% down payment leaves room between rent and principal and interest in six of the seven ZIPs, and that room has to cover taxes, insurance, HOA or CDD fees, repairs, vacancy and management.

Kissimmee Rental Yields by ZIP, November 2026

The table uses two Zillow indexes for the month ending September 30, 2026, the newest available this month. The Zillow Home Value Index (ZHVI) estimates the typical mid-range home value in each ZIP. The Zillow Observed Rent Index (ZORI) estimates typical asking rent across single-family homes, condos and apartments. Gross yield is twelve months of rent divided by the home value, before any expenses.

Area names are general guides. ZIP lines do not match city or neighborhood lines, and Zillow files 34746 under Campbell and 34758 and 34759 under Poinciana, even though many of those addresses use a Kissimmee mailing address.

What the Rent-to-Price Ratio Tells a Kissimmee Investor

Many investors use monthly rent divided by price as a first screen. In September 2026 that ratio ran from 0.49% in 34747 to 0.69% in 34759. A higher number means each dollar of purchase price buys more rent. It says nothing yet about expenses, condition or tenant demand on a given street.

Three patterns stand out in the Kissimmee numbers:

• Lower price points carry higher yields. The two cheapest ZIPs, 34759 and 34741, post two of the top three yields. That is common in most metros, and it usually comes with older housing stock or longer commutes that need their own review.
• Rents rose where values fell most. 34746 and 34758 both lost 3.6% in value and gained 3.3% and 3.0% in rent. Yield improves from both directions when that happens.
• 34747 prices for lifestyle and resort access. Values there are the highest of the seven, and long-term rent alone does not cover the mortgage at today's rates with 25% down. Owners in that ZIP often weigh other strategies, and short-term rental rules differ by community, so check them before you buy.

Mortgage Math at November 2026 Rates

Here is a simple monthly test for each ZIP. It assumes the typical Zillow value as the price, 25% down and a 30-year fixed loan at 7.18%, the Freddie Mac average for the week of November 5, 2026. Loans on investment property usually price above that owner-occupant average, so treat these as best-case payments and get a real quote.

• 34759: about $69,000 down, principal and interest about $1,404, typical rent $1,907, leaving about $504 a month.
• 34758: about $76,700 down, principal and interest about $1,559, rent $1,966, leaving about $407.
• 34743: about $84,200 down, principal and interest about $1,710, rent $2,073, leaving about $363.
• 34741: about $70,900 down, principal and interest about $1,441, rent $1,765, leaving about $324.
• 34746: about $89,300 down, principal and interest about $1,815, rent $2,112, leaving about $297.
• 34744: about $95,100 down, principal and interest about $1,932, rent $2,056, leaving about $124.
• 34747: about $99,800 down, principal and interest about $2,029, rent $1,955, short about $74.

None of those figures include property taxes, homeowners or landlord insurance, HOA or CDD assessments, maintenance, vacancy or management. In Osceola County those costs can take most or all of the remaining gap, and they vary widely by address. Pull the tax bill from the Osceola County Property Appraiser (or Polk County for 34759), get an insurance quote based on the roof age and wind mitigation report, and read the HOA budget and any CDD assessment before you write an offer. Our Kissimmee rental analysis guide walks through a full cap rate and cash flow worksheet.

Where Rents Are Rising and Falling in Kissimmee

Rent direction matters as much as the starting yield, because it shapes renewals and resale value. From September 2025 to September 2026, Zillow's rent index rose 3.3% in 34746, 3.0% in 34758, 2.2% in 34743, 1.6% in both 34747 and 34759, and slipped 0.4% in 34741 and 1.4% in 34744.

Those are smoothed ZIP averages that include apartments, so a single-family home with a yard can rent above the index, and a dated condo can rent below it. Check active rentals within a mile of the address, with the same bed count and similar finishes, before you set a rent target. Landlords planning a Kissimmee renewal can use our guide on how much a Kissimmee landlord can raise rent covers notice and lease terms.

How to Screen a Kissimmee Rental Before You Buy

ZIP data helps narrow the search, and the specific property sets the return. When we review a Kissimmee rental for an investor client, we look at:

• Insurability first: roof age, 4-point and wind mitigation results, and flood zone, since these drive the biggest swing in monthly cost.
• Community rules: lease minimums, rental caps, tenant registration and any short-term rental limits in the HOA documents.
• Rent evidence: recent leases and current rental listings on comparable homes, rather than one index.
• Days on market: Kissimmee homes took longer to sell this fall, which we covered in our October 2026 Kissimmee price report. More time on market can mean more room to negotiate price, repairs or closing costs.
• Management plan: who handles screening, maintenance and the security deposit. We manage long-term rentals across Osceola County, and we can price management into your numbers before you commit.

Frequently Asked Questions

Which Kissimmee ZIP code has the highest rental yield in November 2026?

Using Zillow's September 2026 home value and rent indexes, 34759 (Poinciana, Polk County side) has the highest gross yield at about 8.3%, followed by 34758 at 7.7% and 34741 at 7.5%.

Are Kissimmee home prices falling?

Typical home values were down 2.1% to 3.8% from September 2025 to September 2026 in all seven ZIPs covered here, according to the Zillow Home Value Index. Individual homes can sell above or below that trend.

Do Kissimmee rentals cash flow at 7% mortgage rates?

With 25% down at the November 5, 2026 Freddie Mac average of 7.18%, typical rent exceeds principal and interest in six of seven ZIPs, by about $124 to $504 a month. Taxes, insurance, HOA or CDD fees, repairs, vacancy and management come out of that amount, so many homes will be close to break-even. Run the numbers on the specific address.

What is a good rent-to-price ratio in Kissimmee?

In September 2026, the Kissimmee-area ZIPs ranged from 0.49% to 0.69% monthly rent to price. Investors often compare a property against its own ZIP average, then confirm the result with a full expense budget.

Is Zillow rent data the same as what a single-family home will rent for?

No. The Zillow Observed Rent Index blends single-family homes, condos and apartments. Use it to compare ZIPs, then check current rental listings for homes like yours.

Sources: Zillow Home Value Index, ZIP level, mid-tier single-family and condo, smoothed and seasonally adjusted, month ending September 30, 2026; Zillow Observed Rent Index, ZIP level, all homes plus multifamily, smoothed, month ending September 30, 2026 (both downloaded November 11, 2026); Freddie Mac Primary Mortgage Market Survey, 30-year fixed average, week of November 5, 2026. Gross yield and payment figures are our calculations from those sources. This post is general education and is not tax, legal or lending advice.

Contact Bella Trae Realty today to run the numbers on a specific Kissimmee rental, including taxes, insurance, HOA and management costs for that address.

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.