The median home in Winter Haven, Florida is valued at $272,833, down 4.5% year over year. Typical monthly rent is $1,734, producing a price-to-rent ratio of 13.1x — below the national average of 18x. Winter Haven is part of the Lakeland-Winter Haven, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Lakeland-Winter Haven, FL stress score, crash risk, and 12-month forecast →

Home Value$272,833

-4.5%

Rent$1,734/mo

AFFORDABILITY

Enter your income for Winter Haven.

Income (annual)

Down Payment

$54,567 on $272,833

Stretch — 30.8% of income

Above 28% but manageable with cuts.

PITI$1,925

P/I30.8%

Afford$248K

Gap-$25K

P&I $1,380Tax $196Ins $350

Renting $191/mo cheaper ($1,734 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Winter Haven with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Lakeland-Winter Haven, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Lakeland-Winter Haven, FL metro.

View Lakeland-Winter Haven, FL metro →

WINTER HAVEN, FL