Market Overview
Home Prices in Winter Haven, FL
The median home value in Winter Haven, FL is $275,573 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.2% compared to a year ago and down 4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Winter Haven are priced33% below average. Winter Haven is part of the Lakeland-Winter Haven, FL metro area.
Over the past five years, Winter Haven home values have risen by approximately21.8%, reflecting strong long-term appreciation in this market.
Price History
Winter Haven Home Price Trend
City Comparison
Winter Haven vs. National Median
At $275,573, homes in Winter Haven cost 33% below the national median of $410,000. This makes Winter Haven a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Winter Haven?
20% Down Payment
$55,115
on $275,573
Monthly P&I
$1,437/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,825/mo
incl. taxes & insurance
Income Needed
$73,000
gross annual (30% rule)
10% Down Option
$27,557
+ PMI applies
Loan Amount (20% dn)
$220,458
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Winter Haven, FL?
The median home value in Winter Haven is $275,573 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.2% year-over-year.
How much have home prices changed in Winter Haven?
Over the past year, home values in Winter Haven have decreased by 3.2%. Over five years, prices have risen approximately 21.8%.
How much do I need to earn to buy a home in Winter Haven?
To comfortably afford the median home price of $275,573 with a 20% down payment ($55,115) at today's rates (6.8%), you'd need a gross annual income of approximately $73,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Winter Haven compare to the national average home price?
The national median home value is approximately $410,000. At $275,573, homes in Winter Haven are 33% below the national average.
What metro area is Winter Haven part of?
Winter Haven is part of the Lakeland-Winter Haven, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.