Mortgage Rates in Winter Garden, Florida — March 2026
Updated March 2026 | Based on Winter Garden market data and regional lending conditions
Winter Garden is a growing city in Florida with a population of 52,073. The current 30-year fixed mortgage rate in Winter Garden is 6.61%, which is 0.04% below the national average. With a median home price of $388,000 and a 20% down payment of $77,600, homebuyers can expect a monthly principal and interest payment of approximately $1,984.
Current Mortgage Rates in Winter Garden, FL
Below are the current average mortgage rates available in the Winter Garden area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.61% | 6.65% | -0.04% |
| 15-Year Fixed | 5.88% | 5.89% | -0.01% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.86% | 6.85% | +0.01% |
Winter Garden Housing Market Overview
The Winter Garden housing market reflects moderate demand with prices near the national average. The median household income in Winter Garden is $57,100, and the cost of living index is 105.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $96,814 to comfortably afford the median-priced home in Winter Garden, which exceeds the current median household income.
Monthly Payment Breakdown for Winter Garden
Based on the median home price of $388,000 with 20% down ($77,600), here is what you can expect to pay monthly in Winter Garden:
15-Year vs. 30-Year Mortgage in Winter Garden
Choosing a 15-year mortgage in Winter Garden at 5.88% instead of a 30-year at 6.61% would save you $246,420 in total interest over the life of the loan. However, your monthly payment would be $2,599 instead of $1,984 — an increase of $615 per month.
Calculate Your Winter Garden Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Winter Garden
What are the current mortgage rates in Winter Garden, FL?
As of March 2026, the average 30-year fixed mortgage rate in Winter Garden, Florida is 6.61%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in Winter Garden?
Based on the median home price of $388,000 with 20% down, the estimated monthly mortgage payment in Winter Garden is $1,984 for principal and interest. Including property taxes of $275/month, the total monthly housing cost is approximately $2,259.
What income do I need to buy a home in Winter Garden?
Using the 28% rule, you would need an annual income of approximately $96,814 to afford the median-priced home in Winter Garden at $388,000. The median household income in Winter Garden is $57,100. This means most households would need to either earn above the median or consider homes below $388,000.
Is Winter Garden a good place to buy a home in 2026?
Winter Garden has a moderate cost of living with a cost of living index of 105.2 (national average = 100). The property tax rate in Florida is 0.85%, which is near the national average. Winter Garden has a population of 52,073 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Winter Garden, Florida area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.