HomeFloridaPolk CountyWinter Haven
Winter Haven, Florida: commercial real estate data.
Winter Haven is a Census city of 55,200 people across 33.23 square miles of land, in Polk County. Median household income is $59,648, 63.7 percent of occupied homes are owned, and the SBA record carries 73 7(a) approvals to borrowers here worth $30.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Winter Haven
What Winter Haven is
- Census place typecity
- Land area33.23 sq mi
- Water area8.71 sq mi
- Population per square mile of land1,661
- County holding the largest share of its areaPolk County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winter Haven
How many people live in Winter Haven
- Population55,200
- Median age40.1
- Population under 1811,833
- Share under 1821.4 percent
- Population 65 and over10,681
- Share 65 and over19.3 percent
- Households20,396
- Family households13,245
- Share of households that are families64.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winter Haven
Income and work in Winter Haven
- Median household income$59,648
- Per capita income$30,632
- Civilian labor force25,813
- Employed24,487
- Unemployed1,326 plus or minus 439
- Unemployment rate5.1 percent plus or minus 1.7
- Adults 25 and over37,735
- Adults 25 and over with a high school diploma or higher86.5 percent
- Adults 25 and over with a bachelor degree or higher22.0 percent
- Adults 25 and over with a graduate degree7.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winter Haven
Housing in Winter Haven
- Housing units23,431
- Occupied units20,396
- Vacant units3,035
- Vacancy rate13.0 percent
- Owner occupied12,991
- Renter occupied7,405
- Ownership rate63.7 percent
- Median owner-occupied home value$269,800
- Median gross rent, monthly$1,246
- Annual rent as a share of median income25.1 percent
- Single family units16,224
- Share single family69.2 percent
- Units in buildings of two or more5,745
- Share in buildings of two or more24.5 percent
- Mobile homes1,462 plus or minus 340
- Median year structure built1990
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winter Haven
How Winter Haven gets to work
- Workers 16 and over who commute21,780
- Commuting under 15 minutes4,187
- Share commuting under 15 minutes19.2 percent
- Commuting 30 minutes or more8,468
- Share commuting 30 minutes or more38.9 percent
- Drove alone80.2 percent
- Carpooled7.1 percent plus or minus 1.8
- Public transport0.1 percent plus or minus 0.1
- Walked1.2 percent plus or minus 0.6
- Worked from home9.7 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Winter Haven
SBA loans in Winter Haven (7(a))
- Approvals73
- Gross approval$30,294,200
- Average approval$414,989
- Median approval$180,000
- Ninetieth percentile approval$927,640
- Largest approval$4,000,000
- Jobs supported474
- Jobs per approval6.5
- Loans with a final outcome17
- Paid in full14
- Charged off3
- Median term120 months
- Share on real estate terms of 20 years or more17.8 percent
- Share to franchises12.3 percent
- Distinct lenders36
- Distinct industries by NAICS52
Counted by borrower city: approvals to borrowers whose address is in Winter Haven, in any county, FY2020 to FY2026. Only 17 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Winter Haven
SBA loans in Winter Haven (504)
- Approvals17
- Gross approval$20,315,000
- Average approval$1,195,000
- Median approval$351,000
- Largest approval$5,000,000
- Jobs supported221
- Loans with a final outcome4
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Winter Haven, in any county, FY2010 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Winter Haven
Flood risk in Winter Haven
- NFIP communityCity of Winter Haven
- NFIP community number120271
- Participating in the NFIPYes
- Community Rating System classClass 8
- Currently effective map date12/22/16
The City of Winter Haven participates in the National Flood Insurance Program as community 120271 and carries Community Rating System class 8, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Polk County, not Winter Haven
Polk County context, not Winter Haven figures
- Establishments in Polk County13,992
- Covered employment, Polk County260,590
- Average annual pay, Polk County$55,697
- Housing units permitted, Polk County10,384
Every figure in this section is published for Polk County as a whole and is not a measurement of Winter Haven.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Winter Haven questions, answered from the record.
How many people live in Winter Haven, Florida?
55,200, in 20,396 households. Winter Haven city covers 33.23 square miles of land, which is 1,661 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Winter Haven in?
Polk County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Winter Haven?
$59,648. The median owner-occupied home is valued at $269,800. Median gross rent is $1,246 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Winter Haven businesses?
73 7(a) approvals totaling $30.3 m since FY2020, across 36 lenders, median approval $180,000, plus 17 504 approvals worth $20.3 m since FY2010. These count approvals to borrowers whose address is in Winter Haven, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Winter Haven borrowers get paid back?
No rate is published for Winter Haven. Only 17 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Winter Haven in the National Flood Insurance Program?
Yes. Winter Haven appears in the FEMA Community Status Book as Winter Haven, city of, community 120271, carrying Community Rating System class 8, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Winter Haven figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Polk County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Winter Haven.
Is zoning published for Winter Haven?
No. Nothing on this page presents parcel level zoning.