What is the cost of living in Winter Haven, FL?
According to the most recent data on the cost of living, Winter Haven has an overall cost of living index of 99, which is 1.0x lower than the national index of 100.
Compared to Florida, Winter Haven has a cost of living index that's 1.0x lower than Florida's index of 104.
The standard of living in Winter Haven ranks as #80 most affordable out of the 462 places we measured in Florida. By definition, that implies Winter Haven ranks as the #382 most expensive place in the Sunshine State.
For more reading on life in Winter Haven, check out:
Winter Haven Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Winter Haven. Here is how it fares on each of the criteria:
The Services index in Winter Haven is 101.
The Groceries index in Winter Haven is 102.
The Health index in Winter Haven is 94.
The Housing index in Winter Haven is 100.
The Transportation index in Winter Haven is 107.
The Utilities index in Winter Haven is 101.
| Living Expense | Winter Haven | Florida | National Average |
|---|---|---|---|
| Overall | 99 | 104 | 100 |
| Services | 101 | 101 | 100 |
| Groceries | 102 | 105 | 100 |
| Health | 94 | 99 | 100 |
| Housing | 100 | 104 | 100 |
| Transportation | 107 | 109 | 100 |
| Utilities | 101 | 105 | 100 |
Winter Haven Cost Of Living Compared To Florida Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Florida, check out:
Protect your home budget Compare home warranties in Winter Haven Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Winter Haven, FL Housing Cost Breakdown
Housing swings affordability the most between places in Florida, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Winter Haven is $275,360.
The Median Rent in Winter Haven is $1,246.
The Median Income in Winter Haven is $59,648.
The Home Value To Income in Winter Haven is 4.6x.
The Rent To Monthly Income in Winter Haven is 0.25x.
| Statistic | Winter Haven | Florida | United States |
|---|---|---|---|
| Median Home Value | $275,360 | $375,661 | $332,700 |
| Median Rent | $1,246 | $1,669 | $1,413 |
| Median Income | $59,648 | $74,568 | $80,734 |
| Home Value To Income | 4.6x | 5.0x | 4.1x |
| Rent To Monthly Income | 0.25x | 0.27x | 0.21x |
Winter Haven, FL Costs By Category
Detailed Winter Haven Services costs vs. Florida
| Item | Winter Haven | Florida |
|---|---|---|
| Shampoo | $1.48 | $1.28 |
| Movie | $13.54 | $12.13 |
| Bowling | $19.87 | $18 |
| Haircut | $26.53 | $24.26 |
| Beauty Salon | $55.13 | $45.56 |
Detailed Winter Haven Groceries costs vs. Florida
| Item | Winter Haven | Florida |
|---|---|---|
| Ground Beef | $6.26 | $5.84 |
| Fried Chicken | $1.4 | $1.57 |
| Milk | $4.58 | $4.67 |
| Potatoes | $5.23 | $4.93 |
| Pizza | $13.13 | $12.09 |
| Beer | $11.07 | $10.41 |
| Toothpaste | $3.84 | $3.7 |
Detailed Winter Haven Health costs vs. Florida
| Item | Winter Haven | Florida |
|---|---|---|
| Optometrist | $118.44 | $125.68 |
| Doctor | $137.0 | $135.78 |
| Dentist | $125.36 | $113.29 |
Detailed Winter Haven Transportation costs vs. Florida
| Item | Winter Haven | Florida |
|---|---|---|
| Gasoline | $3.39 | $3.46 |
| Tire Balancing | $57.07 | $59.92 |
Detailed Winter Haven Utilities costs vs. Florida
| Item | Winter Haven | Florida |
|---|---|---|
| All Electricity | $190.71 | $193.99 |
| Phone | $194.67 | $192.25 |
Winter Haven SnackAbility
Cost Of Living In Cities Around Winter Haven
The cost of living varies in the cities and towns around Winter Haven. Here's a quick look at the cost of living in the most populous nearby places:
Lakeland, FL has a cost of living index of 104, 1.1x Winter Haven.
Poinciana, FL has a cost of living index of 109, 1.1x Winter Haven.
Bartow, FL has a cost of living index of 97, 1.0x Winter Haven.
| City | Population | Cost Of Living | Vs. Winter Haven |
|---|---|---|---|
| Lakeland, FL | 119,961 | 104 | 1.1x |
| Poinciana, FL | 75,068 | 109 | 1.1x |
| Bartow, FL | 20,438 | 97 | 1.0x |
| Auburndale, FL | 18,530 | 103 | 1.0x |
| Lake Wales, FL | 16,785 | 102 | 1.0x |
| Lakeland Highlands, FL | 12,102 | 122 | 1.2x |
| Highland, IL | 10,262 | 96 | 1.0x |
| Cypress Gardens, FL | 10,077 | 107 | 1.1x |
| Inwood, FL | 7,556 | 90 | 0.9x |
| Lake Alfred, FL | 7,277 | 98 | 1.0x |
