Total monthly cost of ownership
Cost to Own a Home in Winter Garden, Florida
A $428,000 home here costs
$3,485per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $149,500 a year.
A standard mortgage calculator would have told you $2,352. The real number is $1,133 higher every month, 48% more than the payment most buyers budget for.
Compare Orange County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Winter Garden against Orange County and Florida
| Measure | Winter Garden | Orange County |
|---|---|---|
| Median home value | $428,200 | $358,300 |
| Median property tax | $3,407 | $2,795 |
| Effective tax rate | 0.796% | 0.780% |
| Median gross rent | $1,727 | $1,675 |
| Population | 47,182 | 1,440,471 |
The weather behind that power bill
Winter Garden sits in Orange County, which averages a high of 91.9°F in its hottest month and a low of 51.8°F in its coldest, with 51.47" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 3,693 cooling and 468 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Orange County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orange County
Talk to someone who works this market
These are Winter Garden averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Winter Garden every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Winter Garden I already own here and may sell
Common questions
How much does it cost to own a home in Winter Garden?
A $428,000 home in Winter Garden, Florida costs approximately $3,485 per month with 20% down at 7.32%. That is $2,352 principal and interest, $284 property tax, $259 homeowners insurance, $233 utilities and $357 set aside for maintenance.
What is the property tax rate in Winter Garden?
Winter Garden has an effective property tax rate of 0.796%, based on a median home value of $428,200 and median real estate taxes of $3,407. That is higher than the Orange County average of 0.780%.
What is the average home price in Winter Garden?
The median owner-occupied home value in Winter Garden, Florida is $428,200, against $358,300 across Orange County.
Is it cheaper to rent or buy in Winter Garden?
Median gross rent in Winter Garden is $1,727 a month, against $3,485 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Winter Garden?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Winter Garden, Florida at today's rate takes a household income of roughly $149,500 a year. That covers the full $3,485 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Winter Garden, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Florida.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.