Winter Haven, FL—33881
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 $267,000, with a year-over-year change of -5.1%. This indicates that home prices in Winter Haven, FL are decreasing. According to Zillow, the 1-year price projection is 0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $267,000 | -5.1% |
| Single Family | $275,000 | -5.2% |
| Condos | $141,000 | -7.8% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $120,000 | -7.7% |
2 Bed | $153,000 | -8.9% |
3 Bed | $258,000 | -5.5% |
4 Bed | $318,000 | -4.5% |
| 5 Bed | $370,000 | -2.9% |
% of Housing Stock
Rental Trends — Winter Haven, FL
As of July '25, Rentcast reports the average rent in Winter Haven, FL is $1,710, with a year-over-year rent change of -8.6%. Per bedroom, the median rent as of July '25 in Winter Haven, FL is studios: $1,000, 1-bedrooms: $925, 2-bedrooms: $1,370, 3-bedrooms: $1,910, 4-bedrooms: $2,150. The most common rental property sizes in Winter Haven, FL are 2-bedroom and 3-bedroom, accounting for 41.3% and 31.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $1,710 |
| Studio Rent | $1,000 | $1,000 |
| 1 Bed Rent | $875 | $925 |
| 2 Bed Rent | $1,400 | $1,370 |
| 3 Bed Rent | $1,900 | $1,910 |
| 4 Bed Rent | $2,100 | $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 84. This is a increase of 21.0% 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 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $300,000 | -3.0% |
Listing Count | 267 | -11.0% |
| Listings as % of Homes | 1.4% | -11.0% |
Days on Market | 84 | 21.0% |
Demographics — Winter Haven, FL
As of the latest ACS Survey released in 2023, Winter Haven, FL has a population of 39,200, which has increased by 17.1% over the past 5 years. Winter Haven, FL is a moderately popular place for families, as children make up 19.1% of the population. The area has a poorly educated workforce, with 18.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 39,200 | 17.1% |
% Under 18 | 19.1% | -6.4% |
% Seniors | 24.7% | -8.2% |
% WFH | 11.2% | 273.3% |
% w/ College Degree | 18.0% | 9.1% |
As of the latest ACS Survey released in 2023, Winter Haven, FL is a predominantly white area, with 43.7% of the population identifying as white. The white population has shrunk by 17.1% in the last 5 years. The second most common race or ethnicity in Winter Haven, FL is black, making up 27.2% of the population. Foreign-born residents account for 14.5% of the population in Winter Haven, FL, and this percentage has increased by 55.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 43.7% | -17.1% |
% Black | 27.2% | -18.3% |
% Hispanic | 24.7% | 114.8% |
% Asian | 0.9% | 0.0% |
% Foreign Born | 14.5% | 55.9% |
Mortgage and Risk — Winter Haven, FL
According to HUD data as of 2023, there were 957 mortgage originations in Winter Haven, FL, of which 51.0% of loans were conventional mortgages. The average loan-to-value was 76.0%, with 51.0% 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 | 957 |
% Conventional Loans | 51.0% |
% Government Loans | 49.0% |
% Investor Loans | 2.0% |
% Second Loans | 3.0% |
% 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 13.0%. 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. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Winter Haven, FL, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 762 |
Total Units Section 8 | 586 |
% Rentals under Section 8 | 13.0% |
% Occupied Section 8 | 85.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $125 | $875 | $1,000 |
| 2 Bedroom | -$170 | $1,400 | $1,230 |
| 3 Bedroom | -$250 | $1,900 | $1,650 |
| 4 Bedroom | -$30 | $2,100 | $2,070 |
Affordability — Winter Haven, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.3 |
| Median Home Price | $267,000 |
| Median Household Income | $53,900 |