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Winter Haven city, FL

ZIP 33881 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33881

Median Home Value
$177,400
Median Rent
$916
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,140/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

16.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33881 in Winter Haven city, FL, a household would need roughly $49,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,140. That is roughly in line with the local median household income ($53,867). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.6%+6% vs US avg
x
Vacancy Rate
17.0%+65% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
1.6%-89% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
4.0%-42% vs US avg
x
Rent Burden >30%
32.0%-36% vs US avg
x
Mortgage-Free
51.7%+35% vs US avg
x
$177,400
Home Value
$916
Rent
1983
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached59.5%
  • 1-unit attached2.0%
  • 2-9 units9.4%
  • 10+ units8.2%
  • Mobile home & other21.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,400
Median rent$916
Owner-occupied69.6%
Vacant17.0%
Price-to-income3.3x
Est. income to buy$49,000