In Winter Garden, a typical home is worth $476,000 and typical rent is $1,963 a month. Compared with all of Orange County, typical household income is 34% higher, the typical home value is 22% higher, and the share of households that own their home is 9 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $459,357 to $568,910.
Typical rent
$2,352a month
▼ 0.5% less than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,927 to $2,352.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Winter Garden is in Orange County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Orange County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Orlovista, the typical home value is $198,800: 58% less than in Winter Garden ($476,000).
2
The typical household income in Winter Garden is $106,495,34% more than in Orange County as a whole ($79,719).
3
Nearby, in Orlovista, the typical rent is $1,408: 28% less than in Winter Garden ($1,963).
4
The typical home in Winter Garden is worth $476,000,22% more than in Orange County as a whole ($390,100).
5
66% of households in Winter Garden own their home, against 57% in Orange County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Winter Garden
What homes there are in Winter Garden, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Winter Garden
Orange County
Florida
United States
Kind of home: Winter Garden and its comparisons
Measure
Winter Garden
Orange County
Florida
United States
Detached house
69%
54%
55%
61%
Attached house
9%
8%
7%
6%
Building of 2 to 4
4%
5%
6%
8%
Apartments (5 or more)
13%
30%
25%
19%
Mobile home
4%
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 69% of homes here, against 54% in Orange County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Winter Garden
Orange County
Florida
United States
Year built: Winter Garden and its comparisons
Measure
Winter Garden
Orange County
Florida
United States
Before 1960
6%
9%
10%
26%
1960–1979
9%
17%
24%
24%
1980–1999
19%
34%
34%
25%
2000–2009
39%
21%
18%
14%
2010 or later
26%
19%
14%
11%
Here half of the homes date from 2004 or later; in Orange County, from 1994 or later.
In Winter Garden, 75% of homes have 3 bedrooms or more, more than in Orange County (61%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K8%
$100K–$200K3%
$200K–$300K9%
$300K–$500K35%
$500K–$750K28%
FHA limit: $541,287
$750K–$1M13%
$1M or more5%
Value of owner-occupied homes: Winter Garden and its comparisons
Measure
Winter Garden
Under $100K
8%
$100K–$200K
3%
$200K–$300K
9%
$300K–$500K
35%
$500K–$750K
28%
$750K–$1M
13%
$1M or more
5%
With an FHA loan, the cap for Orange County is $541,287. About 59% of owner-occupied homes in Winter Garden are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49929%
$1,500–$1,99916%
$2,000–$2,49921%
$2,500–$2,999Unreliable
$3,000 or more10%
Monthly rent with utilities: Winter Garden and its comparisons
Measure
Winter Garden
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
29%
$1,500–$1,999
16%
$2,000–$2,499
21%
$2,500–$2,999
Unreliable estimate
$3,000 or more
10%
With a mortgage
$2,424 a month
Orange County: $2,055 a month
Without a mortgage
$681 a month
Orange County: $695 a month
Owners with a mortgage
71%
Orange County: 67%
Owning costs more in Winter Garden: with a mortgage, the typical cost is $2,424 a month; in Orange County, $2,055. Without one, $681.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Winter Garden+52%
Orange County+65%
Florida+67%
United States+53%
Typical rent
Winter Garden+78%
Orange County+46%
Florida+42%
United States+33%
Typical household income
Winter Garden+44%
Orange County+37%
Florida+34%
United States+29%
Change since 2015–2019: Winter Garden and its comparisons
Measure
Winter Garden
Orange County
Florida
United States
Typical home value
+52%
+65%
+67%
+53%
Typical rent
+78%
+46%
+42%
+33%
Typical household income
+44%
+37%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Winter Garden rose 52%; in Orange County, it rose 65%.
Since 2015–2019, the typical rent in Winter Garden rose 78%, more than in Orange County (46%).
The typical household income in Winter Garden rose 44%: less than home values (+52%) and rent (+78%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Winter Garden and its comparisons
Measure
Winter Garden
Orange County
Florida
United States
Rental vacancy
Unreliable estimate
9.3%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
2.4%
1.4%
0.9%
More than one person per room
Unreliable estimate
3.7%
3.3%
3.4%
People per household
2.96
2.72
2.51
2.53
Drive alone
67%
68%
70%
69%
Carpool
7%
9%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
21%
18%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Winter Garden are bigger: 2.96 people on average; in Orange County, 2.72.
Working from home is more common in Winter Garden: 21%, against 18% in Orange County.
Do the math
What would you pay each month for a home in Winter Garden?
A typical home costs more than the typical income allows
We start with a typical home in Winter Garden, worth $476,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Winter Garden, which is $106,495 a year. For that payment to be 28% of income, a household would need to earn about $165,796 a year.
The calculator's FHA and conventional loan limits are those of all of Orange County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Winter Garden. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $16,660 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,869
at 7.18% · 30 years
Loan amount
$467,378
Total interest
$672,448
Paid off in
November 2056
Includes $8,038 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,485 a month
Tight
$2,485 to $3,195 a month
Hard
more than $3,195 a month
Your payment · 44%
Compared with the typical household income in Winter Garden ($106,495 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,166
Property tax
$294
Home insurance
$198
FHA mortgage insurance (MIP)
$211
You need at least $16,660 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,869; principal and interest $3,166.
The city and its county
Winter Garden and Orange County
Winter Garden is in Orange County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Winter Garden
Map of Orange County, Florida, with Winter Garden marked. Around it, the neighboring counties.
Winter Garden
Orange County
Other cities with a page
Winter Garden's own numbers
Typical home value
$476,000
Typical monthly rent
$1,963
Typical yearly household income
$106,495
Households that own their home
66%
Effective property tax rate
0.74%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Orange County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,959
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.3%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Orange County.
A typical home in Winter Garden is worth $476,000: 22% above the county and 33% above Florida. With the typical household income in Winter Garden ($106,495 a year), a typical home costs 4.5 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Winter Garden4.5 years
Orange4.9 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Orange County
According to FHFA’s house price index, home prices in Orange County rose 122% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Orange County.
Yearly change in FHFA’s price index in Orange County, 2016 to 2025
2016: +8.9% +8.9% 2016
2017: +9.0% +9.0% 2017
2018: +9.0% +9.0% 2018
2019: +5.7% +5.7% 2019
2020: +4.1% +4.1% 2020
2021: +12.7% +12.7% 2021
2022: +20.1% +20.1% 2022
2023: +8.5% +8.5% 2023
2024: +5.6% +5.6% 2024
2025: +0.8% +0.8% 2025
Change in FHFA’s price index in Orange County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
+0.8%
−0.5%
+2.9%
5 years (2020–2025)
+56%
+60%
+47%
10 years (2015–2025)
+122%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Winter Garden next to Orange County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Winter Garden$476,000
Orange$390,100
Florida$359,000
United States$332,700
Typical monthly rent
Winter Garden$1,963
Orange$1,775
Florida$1,669
United States$1,413
Typical yearly household income
Winter Garden$106,495
Orange$79,719
Florida$74,568
United States$80,734
See the full table
Winter Garden next to Orange County and Florida
Measure
Winter Garden
Orange County
Florida
U.S.
Typical home value
$476,000 ▲22% above the county
$390,100
$359,000
$332,700
Typical monthly rent
$1,963 ▲11% above the county
$1,775
$1,669
$1,413
Typical yearly household income
$106,495 ▲34% above the county
$79,719
$74,568
$80,734
Households that own their home
66% ▲9 points above the county
57%
68%
65%
Typical yearly property tax
$3,527 ▲19% above the county
$2,967
$2,730
$3,119
Effective property tax rate
0.74% ▼0.02 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
51% ▼8 points below the county
59%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orange County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Winter Garden
For a typical $476,000 home in Winter Garden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winter Garden's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,869a month
Least cash to close
Down payment
$16,660
Cash to close
$30,940
Rate
7.18%
Mortgage insurance
FHA MIP · $211
Conventional, 5% down$3,781a month
Down payment
$23,800
Cash to close
$38,080
Rate
7.18%
Mortgage insurance
PMI · $226
Conventional, 20% down, no PMI$3,072a month
Down payment
$95,200
Cash to close
$109,480
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,512a month
Down payment
$71,400
Cash to close
$85,680
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Winter Garden
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,869
$16,660
$467,378
7.18%
FHA MIP · $211
$30,940
580
Conventional, 5% down
$3,781
$23,800
$452,200
7.18%
PMI · $226
$38,080
620*
Conventional, 20% down, no PMI
$3,072
$95,200
$380,800
7.18%
None
$109,480
620*
ITIN, 15% down (example)
$3,512
$71,400
$404,600
8.18%
None
$85,680
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Winter Garden is $1,963 a month: 11% above the county. In Winter Garden, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Orange County, by unit size. To pay the 2-bedroom one ($1,959 a month) without spending more than 30% of your income, you would need to earn $37.67 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orange County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,658
$31.88
$66,320
1 bedroom
$1,726
$33.19
$69,040
2 bedrooms
$1,959
$37.67
$78,360
3 bedrooms
$2,445
$47.02
$97,800
4 bedrooms
$2,856
$54.92
$114,240
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Winter Garden
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winter Garden is in ZIP code 34787.
For 2 bedrooms it is $2,400: $441 more than the fair market rent for Orange County ($1,959).
Fair market rent by ZIP code and size in Winter Garden, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
34787
$2,030
$2,110
$2,400
$3,000
$3,500
ZIP code2 bd3 bd
34787 $2,400$3,000
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Winter Garden when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 10 HUD-approved agencies with an office in Orange County; 7 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Winter Garden or Orange County. The ones below are statewide in Florida: they work in Winter Garden the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of Winter Garden, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Winter Garden or Orange County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Winter Garden and all of Orange County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Winter Garden?
The typical home value in Winter Garden is $476,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $390,100.
How much does it cost to rent in Winter Garden?
Typical rent in Winter Garden is $1,963 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $1,959.
What is the FHA loan limit in Winter Garden?
Winter Garden uses the FHA limit for all of Orange County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Winter Garden?
The typical homeowner in Winter Garden pays $3,527 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Orange County, the rate is 0.76%.
Where can I find free help to buy or rent in Winter Garden?
There are 10 HUD-approved counseling agencies with an office in Orange County. 7 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
