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City · 38,951 residents · Seminole County, Florida

Winter Springs , Florida

In Winter Springs, a typical home is worth $378,700 and typical rent is $1,867 a month. Compared with all of Seminole County, typical household income is 8% higher and the share of households that own their home is 10 points higher.

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  • Typical home value

    $378,700

    2% below the county

    5% above Florida

    • Winter Springs
    • Seminole
    • Florida

  • Typical rent

    $1,867a month

    5% above the county

    12% above Florida

    • Winter Springs
    • Seminole
    • Florida

  • Typical household income

    $92,574a year

    8% above the county

    24% above Florida

    • Winter Springs
    • Seminole
    • Florida

  • Households that own their home

    76%

    10 points above the county

    8 points above Florida

    • Winter Springs
    • Seminole
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$423,358
about the same as 12 months ago
Typical rent
$2,007 a month
2.3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Winter Springs is in Seminole 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 Seminole County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Winter Springs apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Casselberry, the typical home value is $299,200: 21% less than in Winter Springs ($378,700).

  2. 76% of households in Winter Springs own their home, against 66% in Seminole County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Winter Springs

What homes there are in Winter Springs, 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 houses, standing on their own, make up 68% of homes here, against 61% in Seminole County.

Year built

By age, homes in Winter Springs look like those in Seminole County: the typical year built is 1989.

Homes in Winter Springs are bigger: 76% have 3 bedrooms or more; in Seminole County, 67%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Seminole County is $541,287, and about 76% of owner-occupied homes in Winter Springs are worth less than that.

Monthly rent with utilities

With a mortgage

$1,974 a month

Seminole County: $2,020 a month

Without a mortgage

$693 a month

Seminole County: $681 a month

Owners with a mortgage

66%

Seminole County: 66%

In Winter Springs, 66% of owners have a mortgage; their typical cost is $1,974 a month, about the same as in Seminole County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Winter Springs rose 54%; in Seminole County, it rose 60%.

Since 2015–2019, the typical rent in Winter Springs rose 48%, more than in Seminole County (44%).

Here income did not keep up with housing: it rose 29%, while home values changed +54% and rent +48%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureWinter SpringsSeminole CountyFloridaUnited States
Rental vacancy Unreliable estimate7.2%7.6%5.5%
Homeowner vacancy Unreliable estimate0.9%1.4%0.9%
More than one person per room 3.4%2.4%3.3%3.4%
People per household 2.612.552.512.53
Drive alone 69%68%70%69%
Carpool 6%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 21%22%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 3.4% of households in Winter Springs live, more than in Seminole County (2.4%).

A household in Winter Springs has 2.61 people on average, about the same as in Seminole County (2.55).

To get to work, 69% of workers in Winter Springs drive alone; in Seminole County, 68%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Winter Springs?

A typical home costs more than the typical income allows

We start with a typical home in Winter Springs, worth $378,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Winter Springs, which is $92,574 a year. For that payment to be 28% of income, a household would need to earn about $130,688 a year.

The calculator's FHA and conventional loan limits are those of all of Seminole County.

Your numbers

Local data
$

Starts at the typical home value in Winter Springs. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $13,255 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,049

at 7.18% · 30 years

Loan amount
$371,840
Total interest
$534,991
Paid off in
November 2056

Includes $6,395 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,160 a month

  • Tight

    $2,160 to $2,777 a month

  • Hard

    more than $2,777 a month

    Your payment · 40%

Compared with the typical household income in Winter Springs ($92,574 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,049
Principal & interest$2,519
Property tax$205
Home insurance$158
FHA mortgage insurance (MIP)$167

You need at least $13,255 for the down payment, plus closing costs.

Next step

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.

The city and its county

Winter Springs and Seminole County

Winter Springs is in Seminole 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 Springs's own numbers

Typical home value
$378,700
Typical monthly rent
$1,867
Typical yearly household income
$92,574
Households that own their home
76%
Effective property tax rate
0.65%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Seminole 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)
+55%
Homes in a high flood-risk zone
2.8%

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 Seminole County.

Everything about Seminole County

Buying

Buying a home in Winter Springs

A typical home in Winter Springs is worth $378,700: 2% below the county and 5% above Florida. With the typical household income in Winter Springs ($92,574 a year), a typical home costs 4.1 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 Springs 4.1 years
  • Seminole 4.5 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Seminole County

According to FHFA’s house price index, home prices in Seminole County rose 124% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Seminole County.

Period County Florida U.S.
Last year (2025) +0.0% −0.5% +2.9%
5 years (2020–2025) +55% +60% +47%
10 years (2015–2025) +124% +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 Springs next to Seminole 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 Springs $378,700
  • Seminole $386,900
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Winter Springs $1,867
  • Seminole $1,783
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Winter Springs $92,574
  • Seminole $85,761
  • Florida $74,568
  • United States $80,734
See the full table
Winter Springs next to Seminole County and Florida
Measure Winter Springs Seminole County Florida U.S.
Typical home value $378,700 $386,900 $359,000 $332,700
Typical monthly rent $1,867 $1,783 $1,669 $1,413
Typical yearly household income $92,574 $85,761 $74,568 $80,734
Households that own their home 76% 66% 68% 65%
Typical yearly property tax $2,446 $2,599 $2,730 $3,119
Effective property tax rate 0.65% 0.67% 0.76% 0.94%
Renters with high rent for their income 52% 59% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Seminole 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 Springs

For a typical $378,700 home in Winter Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winter Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,049a month

    Least cash to close
    Down payment
    $13,255
    Cash to close
    $24,616
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $167

  • Conventional, 5% down $2,980a month

    Down payment
    $18,935
    Cash to close
    $30,296
    Rate
    7.18%
    Mortgage insurance
    PMI · $180

  • Conventional, 20% down, no PMI $2,415a month

    Down payment
    $75,740
    Cash to close
    $87,101
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,765a month

    Down payment
    $56,805
    Cash to close
    $68,166
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Winter Springs and for Seminole County.

Property tax

Effective rate in Winter Springs

0.65%of the home’s value each year

$2,446 a year for the typical owner in Winter Springs.

  • Winter Springs 0.65%
  • Seminole 0.67%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Seminole County

FEMA does not publish these numbers by city: they are for all of Seminole County.

Homes in the high-risk zone
2.8%
4,324
Of those, with NFIP insurance
47%
County Florida U.S.
Homes in the high-risk zone 2.8% 13% 3.5%
Of those, with NFIP insurance 47% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Winter Springs

Typical rent in Winter Springs is $1,867 a month: 5% above the county. In Winter Springs, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Seminole 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.

HUD fair market rent for all of Seminole County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winter Springs is in ZIP code 32708.

For 2 bedrooms it is $2,090: $131 more than the fair market rent for Seminole County ($1,959).

  • 32708 $2,090$2,610

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 Springs 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Winter Springs

HUD lists one building with rents for lower incomes in Winter Springs.

  • Moss Park 170 Gardenridge Ct, Winter Springs 32708 99 homes, 89 low-income · In service since 2013 · For families

See all 31 buildings in Seminole County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Winter Springs

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 2 HUD-approved agencies with an office in Seminole County; 2 say they serve in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Winter Springs

No down payment, repair or rent-help program on our list is for Winter Springs or Seminole County. The ones below are statewide in Florida: they work in Winter Springs the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Winter Springs

The HUD-approved agencies closest to the center of Winter Springs, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Habitat for Humanity Seminole County Apopka

    251 Maitland Ave Ste 312, Altamonte Springs · 6 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 8 more
    (407) 696-5855

  • Community Legal Services of Mid-Florida, Inc. - Sanford Office

    1600 Lexington Green Ln, Sanford · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • Consumer Debt Counselors, Inc

    831 W Morse Blvd, Winter Park · 9 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (800) 820-9232

Every agency in Seminole County All counseling agencies in Florida

Help in Spanish near Winter Springs

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Winter Springs

HUD’s record names them for Winter Springs or Seminole County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Seminole County Housing Authority Public housing and Section 8 vouchers (407) 365-3621

One other authority has an office in Seminole County: see the list Source: HUD

Cities

Other cities in Seminole County

These cities are also in Seminole County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Seminole County Housing in Florida

Nearby cities

The cities closest to Winter Springs, with the typical home value.

Neighboring counties

If Seminole County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Winter Springs.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Winter Springs

Short answers with the numbers for Winter Springs and all of Seminole 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 Springs?

The typical home value in Winter Springs is $378,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Seminole County it is $386,900.

How much does it cost to rent in Winter Springs?

Typical rent in Winter Springs is $1,867 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Seminole County is $1,959.

What is the FHA loan limit in Winter Springs?

Winter Springs uses the FHA limit for all of Seminole 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 Springs?

The typical homeowner in Winter Springs pays $2,446 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Seminole County, the rate is 0.67%.

Where can I find free help to buy or rent in Winter Springs?

There are 2 HUD-approved counseling agencies with an office in Seminole County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).