Winter Haven, FL—33880
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Winter Haven, FL
As of Oct '25, the median home price in Winter Haven, FL is $255,000, with a year-over-year change of -5.6%. This indicates that home prices in Winter Haven, FL are decreasing. According to Zillow, the 1-year price projection is 0.6%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $255,000 | -5.6% |
| Single Family | $259,000 | -5.5% |
| Condos | $120,000 | -13.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $109,000 | -11.4% |
2 Bed | $165,000 | -8.8% |
3 Bed | $254,000 | -5.6% |
4 Bed | $315,000 | -3.7% |
| 5 Bed | $374,000 | -1.1% |
% of Housing Stock
Rental Trends — Winter Haven, FL
As of July '25, Rentcast reports the average rent in Winter Haven, FL is $1,630, with a year-over-year rent change of -3.6%. Per bedroom, the median rent as of July '25 in Winter Haven, FL is studios: $1,200, 1-bedrooms: $989, 2-bedrooms: $1,320, 3-bedrooms: $1,770, 4-bedrooms: $2,150. The most common rental property sizes in Winter Haven, FL are 2-bedroom and 3-bedroom, accounting for 44.8% and 27.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,700 | $1,630 |
| Studio Rent | $1,100 | $1,200 |
| 1 Bed Rent | $995 | $989 |
| 2 Bed Rent | $1,350 | $1,320 |
| 3 Bed Rent | $1,800 | $1,770 |
| 4 Bed Rent | $2,040 | $2,150 |
% of Rental Stock
Property Listings — Winter Haven, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Winter Haven, FL is 88. This is a increase of 57.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 31.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $290,000 | -1.0% |
Listing Count | 188 | -4.0% |
| Listings as % of Homes | 1.1% | -4.0% |
Days on Market | 88 | 57.0% |
Demographics — Winter Haven, FL
As of the latest ACS Survey released in 2023, Winter Haven, FL has a population of 42,300, which has increased by 2.4% over the past 5 years. Winter Haven, FL is a popular place for families, as children make up 25.2% of the population. The area has a poorly educated workforce, with 17.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 42,300 | 2.4% |
% Under 18 | 25.2% | 0.8% |
% Seniors | 15.7% | -10.8% |
% WFH | 6.7% | 168.0% |
% w/ College Degree | 17.3% | 41.8% |
As of the latest ACS Survey released in 2023, Winter Haven, FL is a predominantly white area, with 49.5% of the population identifying as white. The white population has shrunk by 9.3% in the last 5 years. The second most common race or ethnicity in Winter Haven, FL is hispanic, making up 27.3% of the population. Foreign-born residents account for 9.4% of the population in Winter Haven, FL, and this percentage has decreased by 22.3% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 49.5% | -9.3% |
% Black | 18.9% | 21.9% |
% Hispanic | 27.3% | 1.9% |
% Asian | 1.2% | -14.3% |
% Foreign Born | 9.4% | -22.3% |
Mortgage and Risk — Winter Haven, FL
According to HUD data as of 2023, there were 1199 mortgage originations in Winter Haven, FL, of which 45.0% of loans were conventional mortgages. The average loan-to-value was 79.0%, with 54.0% above 90% LTV (very high). This implies large mortgage risk in Winter Haven, FL. Investor activity is low, as 2.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,199 |
% Conventional Loans | 45.0% |
% Government Loans | 55.0% |
% Investor Loans | 2.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Winter Haven, FL
As of 2024, the percent of homes in Winter Haven, FL under the Section 8 program is 8.6%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Winter Haven, FL, none of the tracked home sizes currently have HUD payment amounts above market rent, suggesting limited Section 8 opportunity.
Section 8 Market Size
Total Units under HUD | 520 |
Total Units Section 8 | 458 |
% Rentals under Section 8 | 8.6% |
% Occupied Section 8 | 90.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$25 | $995 | $970 |
| 2 Bedroom | -$160 | $1,350 | $1,190 |
| 3 Bedroom | -$200 | $1,800 | $1,600 |
| 4 Bedroom | -$40 | $2,040 | $2,000 |
Affordability — Winter Haven, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.7 |
| Median Home Price | $255,000 |
| Median Household Income | $56,800 |