The Showdown
Kissimmee vs Scottsmoor
Scottsmoor is the more affordable of the two — typical homes run about $335K versus $365K in Kissimmee. Neither is truly beachfront, but Scottsmoor is closer at roughly 40 minutes. Kissimmee carries the lighter insurance and flood profile (tier 1/5, ≈15% in a FEMA flood zone). The right pick comes down to how you want to live — that is exactly what our two-minute match quiz sorts out.
| Category | Kissimmee3 wins | Scottsmoor4 wins |
|---|---|---|
Typical home price Lower = more affordable | $365K | $335K |
Est. monthly payment 20% down · 6.5% · 30y · incl. est. taxes & insurance | $2,293/mo | $2,092/mo |
Drive to the beach | 65 min | 40 min |
Public schools FL DOE districts: Kissimmee B · Scottsmoor A | 6/10 | 6/10 |
FEMA flood-zone share | ≈ 15% | ≈ 25% |
Insurance exposure 1 = inland-friendly · 5 = barrier island | 1/5 | 1/5 |
Effective property tax | ≈ 0.95% | ≈ 0.86% |
Community size | 440K | 1K |
Public boat ramps (on our map) | 2 | 0 |
Playgrounds (on our map) | 2 | 0 |
Signature annual events | Osceola County Fair · Now Snowing — Celebration | — |
Figures are market-level approximations from our living guides — individual homes and school zones vary. Trophies mark the stronger side of each measurable row; several rows are simply different, not better.
Kissimmee vs Scottsmoor: quick answers
Is Kissimmee or Scottsmoor cheaper to buy in?
Scottsmoor is typically more affordable: homes run around $335K versus about $365K in Kissimmee. With 20% down at 6.5% over 30 years, that is roughly $2,092/mo versus $2,293/mo including estimated taxes and insurance.
Which is closer to the beach — Kissimmee or Scottsmoor?
Scottsmoor: about 40 minutes to the sand, compared with roughly 65 minutes from Kissimmee.
Which has lower flood and insurance risk?
Kissimmee. It rates 1/5 on our insurance-exposure scale with ≈15% of parcels in a FEMA flood zone, versus 1/5 and ≈25% in Scottsmoor. Individual homes vary — always check the specific address.
How do the public schools compare?
They rate about the same (~6/10). Kissimmee is in an FL DOE B district and Scottsmoor in a A district.
Living guide
Kissimmee & St. Cloud
Osceola County — Disney's doorstep, Lake Toho bass water, and Florida's vacation-home capital.
Dive in
Living guide
Scottsmoor
Brevard's far-north frontier — ranches, oaks, and acreage where the Space Coast goes quiet.
Dive in
Still torn?
Find Your Wave
Seven questions match you to your town — scored on this same data.
Take the quiz