Winter Haven, FL—33884
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 $298,000, with a year-over-year change of -4.2%. 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 | $298,000 | -4.2% |
| Single Family | $304,000 | -4.1% |
| Condos | $150,000 | -5.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $104,000 | -9.6% |
2 Bed | $221,000 | -5.2% |
3 Bed | $294,000 | -4.2% |
4 Bed | $351,000 | -3.3% |
| 5 Bed | $398,000 | -2.2% |
% of Housing Stock
Rental Trends — Winter Haven, FL
As of July '25, Rentcast reports the average rent in Winter Haven, FL is $1,930, with a year-over-year rent change of 0.5%. Per bedroom, the median rent as of July '25 in Winter Haven, FL is studios: $912, 1-bedrooms: $1,290, 2-bedrooms: $1,620, 3-bedrooms: $1,910, 4-bedrooms: $2,220. The most common rental property sizes in Winter Haven, FL are 2-bedroom and 3-bedroom, accounting for 44.8% and 29.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $1,930 |
| Studio Rent | $912 | $912 |
| 1 Bed Rent | $1,370 | $1,290 |
| 2 Bed Rent | $1,600 | $1,620 |
| 3 Bed Rent | $1,880 | $1,910 |
| 4 Bed Rent | $2,100 | $2,220 |
% 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 81. This is a increase of 34.0% 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 | $325,000 | -1.0% |
Listing Count | 380 | 3.0% |
| Listings as % of Homes | 1.7% | 3.0% |
Days on Market | 81 | 34.0% |
Demographics — Winter Haven, FL
As of the latest ACS Survey released in 2023, Winter Haven, FL has a population of 36,400, which has increased by 13.5% over the past 5 years. Winter Haven, FL is a moderately popular place for families, as children make up 19.4% of the population. The area has a moderately educated workforce, with 28.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 36,400 | 13.5% |
% Under 18 | 19.4% | -7.6% |
% Seniors | 25.0% | -0.4% |
% WFH | 9.6% | 35.2% |
% w/ College Degree | 28.9% | 10.3% |
As of the latest ACS Survey released in 2023, Winter Haven, FL is a predominantly white area, with 62.6% of the population identifying as white. The white population has shrunk by 15.2% in the last 5 years. The second most common race or ethnicity in Winter Haven, FL is hispanic, making up 19.0% of the population. Foreign-born residents account for 7.4% of the population in Winter Haven, FL, and this percentage has increased by 17.5% 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 | 62.6% | -15.2% |
% Black | 14.0% | 66.7% |
% Hispanic | 19.0% | 35.7% |
% Asian | 2.0% | -28.6% |
% Foreign Born | 7.4% | 17.5% |
Mortgage and Risk — Winter Haven, FL
According to HUD data as of 2023, there were 757 mortgage originations in Winter Haven, FL, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 34.0% 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. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 757 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 2.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 11.0% |
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 0.8%. 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. 3-bedroom and 4-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 1-bedroom and 2-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 33 |
Total Units Section 8 | 33 |
% Rentals under Section 8 | 0.8% |
% Occupied Section 8 | 80.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$120 | $1,370 | $1,250 |
| 2 Bedroom | -$70 | $1,600 | $1,530 |
| 3 Bedroom | $180 | $1,880 | $2,060 |
| 4 Bedroom | $470 | $2,100 | $2,570 |
Affordability — Winter Haven, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.5 |
| Median Home Price | $298,000 |
| Median Household Income | $70,500 |