Winter Haven cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexWinter HavenFloridaNational
Cost of living index8899100
IndexWinter HavenFloridaNational
Goods & Services index9599100
Groceries index102105100
Health care index8898100
Housing index6596100
Transportation index94100100
Utilities index111103100
A general summary of the cost of living index in Winter Haven, FL is shown above. Compared to the state average of Florida the cost of living index in Winter Haven, FL is 88, which is 11% lower than the average in Florida and compared to the national average it is 12% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Winter Haven, FL goods and services come in at 4% lower than the average in Florida and are 5% lower than compared to the nationwide average.

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Did you know?

  • The cost of living in Winter Haven is 11% lower than the Florida average.
  • The cost of living in Winter Haven is 12% lower than the national average.
  • The cost of housing in Winter Haven is 35% lower 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.

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Compare Winter Haven, FL Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Goods & Services index
Groceries index
Health care index
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Use the salary calculator to compare your current income in Winter Haven, FL to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Winter Haven, FL, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Winter Haven, FL salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$50,145$4,179$1,170$1,505
Renters$29,071$2,423$678$872
If you want to find a good determining factor for the cost of living and the general affordability of housing in Winter Haven, FL, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Winter Haven, FL, the median monthly income is $50,145 for those who own their own homes. Under the standard rule, that income level would allow for $1,170 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $29,071, per the median income in the area. That would allow for renters to spend up to $678 on monthly rental expenses.

Florida Sales Tax

StateGeneral Sales TaxWith Max Surtax
Florida6%7.5%

Florida Income Tax

StateIncome Tax (Low)Income Tax (High)
Florida0%0%
When you are determining the total cost of living in Winter Haven, FL you will want to make sure you consider both the Florida sales tax and the Florida income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Florida is 6%, with the highest surtax being 7.5%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Florida have a range from 0% to 0%.

Goods & Services

ItemWinter HavenNational avg.Difference
Haircut $14.78$16.098.1%
Beauty Salon $41.60$37.3311.4%
Toothpaste $2.49$2.451.8%
Shampoo $0.93$1.007.0%
Movie $10.59$10.283.0%
Bowling $5.28$4.937.0%

Groceries

ItemWinter HavenNational avg.Difference
Ground Beef $4.03$3.805.9%
Fried Chicken $1.23$1.4012.1%
Milk $2.43$2.0121.2%
Potatoes $3.74$3.0124.1%
Pizza $8.59$9.8913.1%
Beer $10.34$8.9016.2%

Health Care

ItemWinter HavenNational avg.Difference
Optometrist $79.06$102.1622.6%
Doctor $79.27$108.3626.8%
Dentist $79.99$92.5313.6%
Ibuprofen $10.31$9.2811.1%
Lipitor $449.88$425.825.6%

Housing

ItemWinter HavenNational avg.Difference
Home Price $99,600.00$184,700.0046.1%
Avg. Mortgage Payment $1,009.92$1,202.4416.0%
Apartment Rent $864.00$949.009.0%

Transportation

ItemWinter HavenNational avg.Difference
Gasoline $2.12$2.245.4%
Tire Balancing $43.13$46.296.8%

Utilities

ItemWinter HavenNational avg.Difference
All Electricity$181.04$165.969.1%
Phone $32.85$28.6814.5%
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, StatePopulationCost of Living IndexNational Avg.
Mulberry, FL3,92584-16%
Wahneta, FL4,70082-18%
Combee Settlement, FL6,46285-15%
Fussels Corner, FL4,99186-14%
Inwood, FL6,99583-17%
Winter Haven, FL36,66988-12%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Pleasant Grove, UT36,6781044%
Panama City, FL36,65489-11%
Hot Springs, AR36,71185-15%
Commack, NY36,62515151%
New Albany, IN36,62287-13%
Winter Haven, FL36,66988-12%
Source: The Winter Haven, FL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.