Buying a Vacation Home Near Disney: What You Need to Know

Buying a vacation home near Disney World is more than a lifestyle dream; it can be a strategic real estate investment when done correctly. With millions of visitors coming to Central Florida every year, Disney-area homes remain some of the most sought-after vacation properties in the country. But not every home near the magic delivers the same return.

At Diamond Real Estate Group, we help buyers navigate the realities of buying a vacation home near Disney, from ROI expectations to short-term rental rules and choosing the right resort community.

The Upside: Why Disney-Area Vacation Homes Can Be Smart Investments

Vacation homes near Disney benefit from a steady flow of visitors, meaning demand is built into the location itself. Families from across the globe seek spaces with more room, private pools, and flexibility, not just hotel rooms, especially when visiting theme parks (Luxe Vaca).

Potential for Higher Rental Income

One of the biggest draws of vacation homes near Disney is their ability to generate substantially more income than traditional long-term rentals. In markets like Orlando and Kissimmee, themed short-term rental homes can produce 2 to 5 times the revenue of a long-term lease because owners can charge nightly rates, often higher during peak seasons like summer, holidays, and special events.

Recent data shows that properties near Disney can command strong occupancy and gross revenue, with many vacation homes achieving 60-80% occupancy year-round and substantial nightly earnings.

The Other Side: Costs and Requirements

While buying near Disney has clear appeal, it also comes with higher carrying costs and regulatory steps you’ll want to understand before committing.

Upfront and Ongoing Costs

Vacation homes, especially second homes, often require significant down payments, frequently 20% or more, and larger credit qualifications than primary residences. Owners should also budget for higher insurance premiums due to Florida’s climate, including hurricane and flood coverage.

Don’t forget maintenance and utilities: even when you’re not using your property, you’re paying for air conditioning, pool systems, cleaning, landscaping, and other upkeep, especially if you plan to rent it out.

Know Before You Buy: Short-Term Rental Zoning

One of the most critical steps in purchasing a vacation home near Disney is checking zoning and HOA rules. Just because a property looks like a great Airbnb opportunity doesn’t mean the community or county allows it.

In Florida, you often need:

• The land is to be in a short-term rental (STR)-friendly zone.

• A tourist tax license and business registration for renting

• HOA approval for nightly stays

Some areas permit short-term rentals by default, but in others, like parts of Osceola County, you might need additional permits, and in some communities, STRs are restricted or banned entirely.

Understanding these rules before you buy can save you thousands in lost revenue or compliance costs.

Top Communities to Consider Near Disney

While many Orlando-area neighborhoods exist, certain communities near Disney are known for strong vacation rental performance, family appeal, and overall lifestyle value. Here are some standout options:

Kissimmee & Surrounding Resort Neighborhoods

Kissimmee is widely seen as the heart of Disney-area vacation investing due to its close distance, high rental demand, and resort-style offerings. Popular communities with strong short-term rental potential include:

• Storey Lake – Amenities like lazy rivers and clubhouses drive occupancy.

• Windsor at Westside – Spacious homes and community water features attract families.

• Solterra Resort – A gated community with amenities that consistently bring guests year-round.

These areas often show higher average occupancy rates and strong revenue potential due to both location and amenity appeal.

Davenport

Just a bit further out, Davenport offers a slightly more affordable entry point while still delivering solid short-term rental performance. Its communities, like ChampionsGate Resort, combine proximity to Disney with golf, pools, and premium amenities (Home Vacation Group).

Reunion Resort

Reunion is a master-planned luxury community with golf, pools, and upscale features. While often pricier, it’s desirable for guests seeking boutique vacation experiences near Disney.

Celebration (Not STR-friendly but Valuable)

Originally developed by Disney, Celebration offers charm, strong appreciation, and lifestyle appeal. However, it may not permit short-term rentals, making it more suitable for personal vacation homes or longer-term corporate rentals (Home Vacation Group).

ROI and Long-Term Value

A vacation home near Disney can be both a lifestyle retreat and an investment, especially when managed professionally. Estimated net ROI in many Disney-area communities ranges from around 6% to 10% annually, and often more in well-managed, amenity-rich locations.

Additionally, homes in this market have historically enjoyed steady appreciation, which can bolster long-term wealth building beyond rental income alone.

However, remember that returns depend heavily on location, property quality, management, furnishings, and your willingness to stay legal and compliant.

Pros of buying near Disney:

• Strong year-round tourism demand

• Ability to earn higher short-term rental income

• Equity and long-term property appreciation potential

• Personal use when you want a family getaway

Cons to consider:

• Zoning and HOA restrictions can limit rental potential.

• Higher upfront, insurance, and maintenance costs

• Ongoing management or property manager fees

• Market saturation means you must differentiate your property.

Why Buyers Choose Diamond Real Estate Group

Buying a vacation home near Disney is not a one-size-fits-all purchase. It requires local insight, investment analysis, and a deep understanding of the Disney-area market.

Diamond Real Estate Group specializes in helping buyers:

• Identify high-performing vacation communities

• Navigate zoning and HOA regulations

• Analyze income potential and expenses

• Secure properties aligned with both lifestyle and financial goals

Whether you’re exploring your first vacation rental or expanding an investment portfolio, our team provides the clarity and guidance needed to buy with confidence.

Thinking about buying a vacation home near Disney?

Connect with Diamond Real Estate Group to explore opportunities that combine smart investing with the magic of Central Florida living.

• 
  Top Orlando Schools and the Neighborhoods Buyers Want Most
  How Education Shapes Home Values and Buyer Decisions Across Central Florida Families relocating to the area, move-up buyers, and long-term investors alike are paying close attention to school zones, and for good reason. Top Orlando… Read more: Top Orlando Schools and the Neighborhoods Buyers Want Most
• 
  When Success Feels Like Failure: A Reflection on 2025
  A Personal Note from Diamond Real Estate Group This is hard to say, and even harder to type, but here it is: I failed.Let’s start from the beginning. 2025: A Year of Change, Loss, and… Read more: When Success Feels Like Failure: A Reflection on 2025
• 
  How to Buy a Home With a Realtor in Orlando (And Why It Matters)
  Buying a home is a major financial decision, and in Central Florida’s fast-paced market, the right guidance is essential. If you plan to buy a home with a realtor in Orlando, knowing how buyer representation… Read more: How to Buy a Home With a Realtor in Orlando (And Why It Matters)
• 
  Buying a Vacation Home Near Disney: What You Need to Know
  Buying a vacation home near Disney World is more than a lifestyle dream; it can be a strategic real estate investment when done correctly. With millions of visitors coming to Central Florida every year, Disney-area… Read more: Buying a Vacation Home Near Disney: What You Need to Know
• 
  Relocating to Central Florida: Your Complete Guide
  Relocating to Central Florida is more than just a change of address; it’s a lifestyle upgrade, a career opportunity, and a chance to live where others vacation. Whether you’re moving from across the country or… Read more: Relocating to Central Florida: Your Complete Guide