Winter Garden, FL Housing Affordability Index
Winter Garden, Florida has an MBR Housing Affordability Index score of 94.6 (Near National Average) as of October 30, 2026, ranking 294th most affordable of 479 scored Florida cities, compared with 92.5 statewide and 97.4 nationally. On a median-priced $476,000 home with 20% down, the Florida average 30-year fixed rate of 7.14% means a monthly principal and interest payment of about $2,569, or 29% of the city’s $106,495 median household income.
The MBR Housing Affordability Index (MBR-HAI) for Winter Garden is updated every night from live Florida mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Winter Garden is 2.1 points above the Florida score. Scores as of October 30, 2026. See the Florida index
View Winter Garden Mortgage RatesSee What You Can Afford in Winter Garden, Florida
Use this Winter Garden, Florida home affordability calculator to see how much house you can afford at today’s Florida average 30-year mortgage rate of 7.14%. A household earning the Winter Garden median income of $106,495, with no other debts and $95,000 down, can afford a home of about $399,185, compared with a median home value of $476,000. Buying the median priced home with 20% down takes a household income of about $132,200 once property tax and insurance are counted.
| Loan amount | $304,185 |
| Principal & interest | $2,052/mo |
| Property tax | $266/mo |
| Home insurance | $166/mo |
| PMI | $0/mo |
| Total monthly payment | $2,485/mo |
How much house can you afford in Winter Garden?
Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.
In Winter Garden, property taxes run about 0.80% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $6,451 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.
What It Takes to Buy in Winter Garden
Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Winter Garden, Florida. The rate is the Florida average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.
How Winter Garden Ranks in Florida
Cite the Winter Garden Score
Explore Further
Scores update each morning, computed from rate data captured the previous night. Score of 100 = national average at a 6.5% reference rate.
