ZIP Code 33884 — Winter Haven, FL Home Prices (2026)
The typical home in ZIP 33884 (Winter Haven, Florida) is worth about $297,000 at roughly $176 per square foot — 12% more expensive than the Winter Haven median and 1% more expensive than the typical U.S. home.
How 33884 compares
ZIP 33884 is one of the pricier ZIP codes in Winter Haven: its typical home value of $297,000 ranks #1 of the 3 Winter Haven ZIP codes we track (the citywide range runs from $253,000 in 33880 to $297,000 in 33884). Per square foot it costs about $176, against $172 for Winter Haven as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 33884 | $297,000 | $176 |
| Winter Haven, FL | $265,000 | $172 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 33884
Using this ZIP’s rate of about $176 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $176,000 |
| 1,500 sq ft | $264,000 |
| 2,000 sq ft | $352,000 |
| 2,500 sq ft | $440,000 |
| 3,000 sq ft | $528,000 |
Salary needed to buy a home in ZIP 33884
To buy the typical $297,000 home in ZIP 33884 with 20% down, you need a household income of roughly $81,000 a year (about $1,890 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $96,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,900 | $2,340/mo | $100,000/yr |
| 10% (+PMI) | $29,700 | $2,240/mo | $96,000/yr |
| 20% | $59,400 | $1,890/mo | $81,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 33884
At about $176 per square foot, here is roughly how much home different budgets get you in ZIP 33884:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 850 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1140 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1420 sq ft | around the typical home here |
| $300k | 1700 sq ft | around the typical home here |
| $400k | 2270 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 33884 home.
Estimate a specific home in 33884
The estimator below is pre-set to ZIP 33884 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Winter Haven ZIP codes by home value
Where 33884 sits among Winter Haven’s 3 ZIP codes:
ZIP 33884 home prices: frequently asked
What is the average home price in ZIP code 33884? +
What is the price per square foot in 33884? +
What salary do you need to buy a house in ZIP 33884? +
Is 33884 an expensive ZIP code? +
See the full Winter Haven home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.