Winter Garden, FL vs Spring Hill, TN: Cost of Living

Which city costs less?

Spring Hill, TN has a modeled overall cost index 1.7% lower than Winter Garden, FL.

Winter Garden, FL · modeled 2BR rent: $2,350 / month
Spring Hill, TN · modeled 2BR rent: $2,050 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Winter Garden, FL and Spring Hill, TN using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Winter Garden, FL

Numbers update automatically as you type

Estimated savings: $113/month in Spring Hill, TN

$150,000 in your current city has a modeled equivalent of $148,645 in Spring Hill, TN

Regional cost estimates: Winter Garden, FL uses Orlando, FL. Spring Hill, TN uses Nashville, TN. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 1.7%

Less expensive

Monthly Impact

$113

Savings

Annual Impact

$1.4K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Winter Garden, FL

Population:47K

Cost Index:

98.8

100 = national average

Typical Home:$563K

Spring Hill, TN

Population:58K

Cost Index:

97.1

100 = national average

Typical Home:$508K

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Winter Garden, FL

The Sunshine State

47K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 47K residents.

💡 Advantage: Florida has no state income tax!

Spring Hill, TN

The Volunteer State

58K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 58K residents.

💡 Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Winter Garden, FL vs Spring Hill, TN

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Winter Garden, FL	Spring Hill, TN	Difference	Change
Other	$1,754/mo	$1,851/mo	↑ $97.64more	5.6%
Housing	$2,359/mo	$2,274/mo	↓ $85.00less	3.6%
Groceries	$1,009/mo	$932/mo	↓ $77.35less	7.7%
All Utilities	$568/mo	$510/mo	↓ $58.53less	10.3%
Healthcare	$564/mo	$596/mo	↑ $31.64more	5.6%
Transportation	$1,245/mo	$1,224/mo	↓ $21.33less	1.7%

Other

↑ 5.6%

Winter Garden, FL

$1,754

Spring Hill, TN

$1,851

Difference

$97.64

Housing

↓ 3.6%

Winter Garden, FL

$2,359

Spring Hill, TN

$2,274

Difference

$85.00

less

Groceries

↓ 7.7%

Winter Garden, FL

$1,009

Spring Hill, TN

$932

Difference

$77.35

less

All Utilities

↓ 10.3%

Winter Garden, FL

$568

Spring Hill, TN

$510

Difference

$58.53

less

Healthcare

↑ 5.6%

Winter Garden, FL

$564

Spring Hill, TN

$596

Difference

$31.64

Transportation

↓ 1.7%

Winter Garden, FL

$1,245

Spring Hill, TN

$1,224

Difference

$21.33

less

🏠Rent Comparison

Studio

From$1,970

To$1,760

↓ $210

1 Bed

From$2,060

To$1,810

↓ $250

2 Bed

From$2,350

To$2,050

↓ $300

3 Bed

From$2,950

To$2,610

↓ $340

Winter Garden, FLZIP-level data

1BR range: $2,060–$2,060/mo

Spring Hill, TNZIP-level data

1BR range: $1,810–$1,810/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Winter Garden, FL

$7,387

Monthly in Spring Hill, TN

$113

Difference

Home Values

Winter Garden

Spring Hill

$563K

Median Value

$508K

↓ -3.9%

YoY Change

↓ -0.7%

↑ +42.5%

5-Year Change

↑ +42.6%

Homes in Spring Hill are 10% less expensive than Winter Garden

Calculate payment - Winter Garden Calculate payment - Spring Hill

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Winter Garden, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Spring Hill, TN

Federal Income Tax

Effective: 18.9%

$25.5K

Tennessee State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Winter Garden, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Spring Hill, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Winter Garden

Spring Hill

41 Good

Air Quality

50 Good

75.6%

Good Air Days

51.6%

98 High

Climate Risk

97 High

🌊🌀🌪

Top Hazards

🌊🫨🌪

▲+2.3°F

2050 Outlook

▲+2.8°F

58 days

Heat Days >95°F

42 days

▲+2.3°F

2050 Outlook

▲+2.8°F

58 days

Heat Days >95°F

42 days

Before moving from Winter Garden, FL to Spring Hill, TN

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Spring Hill, TN for the same bedroom count and included utilities as your home in Winter Garden, FL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Winter Garden to Spring Hill moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Spring Hill, TN by cost, housing, population and region.

Frequently Asked Questions: Winter Garden, FL vs Spring Hill, TN

How do the cost estimates for Winter Garden, FL and Spring Hill, TN compare?

Spring Hill, TN has a modeled overall cost index 1.7% lower than Winter Garden, FL. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Winter Garden, FL, the model estimates $148,645 in Spring Hill, TN. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Winter Garden, FL and Spring Hill, TN?

The modeled two-bedroom rents are $2,350/month in Winter Garden, FL and $2,050/month in Spring Hill, TN. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Florida and Tennessee on TaxTakeHome.com