Cost of living in Winter Haven, FL — Housing, Rent & Index

The median home value in Winter Haven, FL is $276,487 as of 2026-04. That places Winter Haven below the US average for housing cost, with a cost index of approximately 78 versus a national baseline of 100.

Over the past 12 months, the median home value in Winter Haven has fallen 3.7%, and over the past five years it has averaged +5.0% annual growth. The current price sits -8.0% from its 5-year peak in 2022-09.

Renters pay a median of $1,782 per month in Winter Haven. Rents have changed +1.7% over the last year and averaged +5.8% per year over five years.

Beyond housing, day-to-day costs in Winter Haven are shaped by state and local taxes, utility rates, transportation, and groceries. This page focuses on the housing component, which is the largest single line in most household budgets and the easiest to compare across cities using consistent national data.