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.

Home Value$272,833

-4.5%

Rent$1,734/mo

Prices falling — better for buyers.

Affordability

Enter your income for Winter Haven.

Income (annual)

Down Payment

$54,567 on $272,833

Example: $75,000 household income. Change it above to see your own.

Stretch30.8% 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$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

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

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