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Orlando is the biggest budget-travel puzzle in the US because the theme parks want you to spend and the market has a hundred ways around that. Off-property hotels on I-Drive and Lake Buena Vista undercut Disney-owned resorts by 60–70% for the same 15-minute shuttle ride. Water park tickets and Universal single-day passes both drop 30% in the September–October and mid-January weeks after holiday crowds leave. Southwest posts $79 one-ways into MCO from a dozen East Coast cities. This guide covers when to go, where to stay off-property, and the specific dining plans that keep a family-of-four theme-park day under $400 all-in.
Mid-January through early February and the September-into-early-October window are the cheapest — hotels drop 40%+ and park wait times are at their yearly lows.
No — off-property hotels 10 minutes from the gate cost 40–60% less, include shuttle service, and give you access to non-Disney restaurants.
A budget-first 5-night trip with an off-property hotel, a Southwest MCO flight, and 3 park days runs about $2,800–$3,400 for a family of four.