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City Housing Verdict

Winter Park, FL

Stretch

Living in Winter Park, FL costs about 21% more than the national average (Cost Index: 121). Housing is the main driver — the typical home value of $458,756 is well above the $303,400 US median. The local median household income is $98,076, which helps frame the place-side housing burden.

Winter Park sits in the stretch zone: not impossible, but household feasibility will depend heavily on rent, down payment, debt load, and whether you are renting or buying. Start with the verdict panel, then compare scenarios before treating this city as affordable.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Stretch

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Winter Park.

Monthly Housing
$1,840/mo
Lower of rent or buy scenario
Housing Burden
23%
Healthy
Residual Cash
$5,833/mo
After housing and debt · $1,944/person
Rent vs Buy
Renting is the lower-pressure baseline
Main pressure: home prices
Assumptions
Housing Mode
Confidence: HighHome source: ZILLOWRent source: ZILLOWBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 29%
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Cost Index
121
Expensive
Based on housing costs · See methodology
Median Home Value
$458,756
Zillow ZHVI Market Rate • Census ACS: $676,800
National: $303,400
Median Rent
$1,840/mo
Zillow ZORI Market Rate • Census ACS: $1,653/mo
National: $1,348/mo
Household Income
$98,076
National: $78,538
Population
29,929
Purchasing Power
103
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
151 / 100
51% above average
Rent Index
136 / 100
36% above average
Goods & Groceries
96 / 100
About the same as most US cities
Utilities
87 / 100
13% lower utility bills
Healthcare & Services
99 / 100
In line with national average
Overall Index
121
Expensive · 21% above average

Winter Park Mortgage Calculator

Pre-filled with the local median home value of $458,756 and Florida's property tax rate of 0.86%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$98,076
Census ACS place context
Rent Burden Estimate
23%
Typical annual rent / local household income
Home Price to Income
4.7x
Typical home value / local household income
Use this section to judge whether Winter Park looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Winter Park, FL

Est. Annual Property Tax
$3,945
Monthly Impact
$329
Added to your mortgage
Effective Rate
0.86%
National avg: ~1.00%

Florida Place Tax Context

Tax TypeFloridaNational Avg
Property Tax Rate0.86%1.00%
Top Income Tax RateNo State Income Tax~5.0%
State Sales Tax7.01%~5.0%

Compare Winter Park to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Winter Park, FL
121
136
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Winter Park, FL: 151
Rent Prices
136

FAQ: Living in Winter Park

Is Winter Park, FL an expensive place to live?+

Yes — Winter Park is about 21% more expensive than the national average, with an overall Cost Index of 121. Housing is the biggest factor: the typical home here is valued around $458,756, and monthly rents average roughly $1,840. Day-to-day costs like groceries and utilities tend to run closer to the national norm.

How does Winter Park fit a household housing budget?+

Start with housing. Typical monthly rent is $1,840, while local median household income is $98,076. That implies a rent-burden proxy of about 23% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Winter Park, FL?+

Florida is one of the few states with no state income tax, which can save residents thousands of dollars per year. The effective property tax rate is 0.86%. On a home worth $458,756, that translates to roughly $3,945 per year in property taxes. Sales tax (state + local) averages around 7.01% on everyday purchases.

How much does it cost to rent in Winter Park, FL?+

The typical monthly rent in Winter Park is around $1,840. That's about 36% higher than the $1,348 national median. For comparison, the median home value here is $458,756, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Winter Park, FL?+

The median home in Winter Park is valued at $458,756. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $2,320/month for principal and interest alone — before property taxes and insurance. About 66% of residents here own their homes.

Are groceries and utilities expensive in Winter Park?+

Grocery prices in Winter Park are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 87). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Winter Park, FL like to live in?+

Winter Park is a small town with a population of about 29,929. The median age of residents is 44.2, skewing somewhat older — common in established suburban communities. The local poverty rate is 9.08%, near the national average of 12.4%.

Lower-Pressure Alternatives in Florida

If Winter Park feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Florida

Use these city pages when you want to compare Winter Park against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly