C+
17%
Overall NAT. AVG.
1%
Goods & Services NAT. AVG.
63%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Winter Garden Florida National
Cost of living11798100
Goods & Services10198100
Groceries9899100
Health care9296100
Housing16396100
Transportation9599100
Utilities9097100

An Overview of Cost of Living in Winter Garden, FL

Understanding the cost of living in Winter Garden can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Winter Garden cost of living index is 117, which is 17% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.

Housing costs make up a big chunk of the cost of living in Winter Garden, and they usually eat into a large part of your take-home pay. Unfortunately, in this area, both buying a home and renting one costs 62.8% more than the average city. This includes stuff like home prices, rent, mortgage rates, and insurance.

Is Winter Garden Affordable?

Is Winter Garden affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Winter Garden, the median home price is 75.3% higher than the national average and monthly rent prices are 33.6% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Winter Garden boasting a median household income of $85,065, 53.8% higher than the national average.

What Factors can Influence the Cost of Living in Winter Garden?

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Winter Garden, the groceries index is 2.2% lower than the national average.

Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.

Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.

Where is the Data From?

The cost of living in Winter Garden, presented above is derived from the C2ER cost of living index, offering a practical method for assessing living cost disparities in urban areas. Published quarterly, this index compiles data from more than 300 independent researchers, encompassing over 60 goods and services in 6 categories. The weightings assigned to cost variances are informed by government survey data tracking the expenditure patterns of professional and executive households. It should be noted that the C2ER index does not include data on sales or income tax rates, however, AreaVibes incorporates tax rates into the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Winter Garden is 20% higher than the Florida average
  • The cost of living in Winter Garden is 17% higher than the national average
  • Winter Garden housing is 63% higher than the national average
  • Florida general sales tax is 18% higher than the national average
  • Florida state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Winter Garden

See all the best places to live around Winter Garden

Compare Winter Garden, FL Cost of Living

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      Salary Calculator

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      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$98,718$8,227$2,303$2,962
      Renters$51,036$4,253$1,191$1,531
      To approximate the cost of living and the housing affordability in Winter Garden, FL, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Winter Garden have a median income of $98,718. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,303 per month to avoid calamity and poverty. The renters in the city have an income of about $51,036, which would make their monthly maximum allowable rental costs $1,191.

      Florida Sales Tax

      State General Sales Tax With Max Surtax
      Florida 6% 7.5%

      Florida Income Tax

      State Income Tax (Low) Income Tax (High)
      Florida 0% 0%

      Goods & Services

      Item Winter Garden National avg. Difference
      Haircut $26.53$24.269.4%
      Beauty Salon $55.13$45.5621.0%
      Toothpaste $3.84$3.703.8%
      Shampoo $1.48$1.2815.8%
      Movie $13.54$12.1311.6%
      Bowling $19.87$18.0010.4%

      Groceries

      Item Winter Garden National avg. Difference
      Ground Beef $6.26$5.847.1%
      Fried Chicken $1.40$1.5711.0%
      Milk $4.58$4.671.9%
      Potatoes $5.23$4.936.0%
      Pizza $13.13$12.098.6%
      Beer $11.07$10.416.3%

      Health Care

      Item Winter Garden National avg. Difference
      Optometrist $118.44$125.685.8%
      Doctor $137.00$135.780.9%
      Dentist $125.36$113.2910.7%
      Ibuprofen $10.89$10.652.2%
      Lipitor $446.86$468.604.6%

      Housing

      Item Winter Garden National avg. Difference
      Home Price $323,800.00$184,700.0075.3%
      Avg. Mortgage Payment $2,463.53$2,346.695.0%
      Apartment Rent $1,268.00$949.0033.6%

      Transportation

      Item Winter Garden National avg. Difference
      Gasoline $3.39$3.462.1%
      Tire Balancing $57.07$59.924.8%

      Utilities

      Item Winter Garden National avg. Difference
      All Electricity $190.71$193.991.7%
      Phone $194.67$192.251.3%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Tildenville, FL43972.6%
      Lake Buena Vista, FL4972.6%
      Lake Butler city, FL2,1858118.7%
      Bay Lake, FL438416.3%
      Clarcona, FL4,6878911.1%
      Winter Garden, FL44,88811717.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Plainfield, IL44,85712424.2%
      Danville, CA44,933238137.9%
      Oakland Park, FL44,95011212.0%
      Binghamton, NY44,8198515.1%
      Farmington, NM44,967981.6%
      Winter Garden, FL44,88811717.0%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.