Winter Haven, FL vs Spartanburg, SC: Cost of Living

Which city costs less?

Spartanburg, SC has a modeled overall cost index 8.9% lower than Winter Haven, FL.

Winter Haven, FL · modeled 2BR rent: $1,370 / month
Spartanburg, SC · modeled 2BR rent: $1,190 / 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 Haven, FL and Spartanburg, SC 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 Haven, FL

Numbers update automatically as you type

Estimated savings: $595/month in Spartanburg, SC

$150,000 in your current city has a modeled equivalent of $142,855 in Spartanburg, SC

Regional cost estimates: Winter Haven, FL uses Orlando, FL. Spartanburg, SC uses Charlotte, NC. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 8.9%

Less expensive

Monthly Impact

$595

Savings

Annual Impact

$7.1K

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 Haven, FL

Population:57K

Cost Index:

98.7

100 = national average

Typical Home:$262K

Spartanburg, SC

Population:39K

Cost Index:

89.9

100 = national average

Typical Home:$257K

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Winter Haven, FL

The Sunshine State

57K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 57K residents.

💡 Advantage: Florida has no state income tax!

Spartanburg, SC

The Palmetto State

39K

Population

State Tax

Yes

Located in South Carolina, this city has a population of 39K residents.

Cost Breakdown by Category

Estimated monthly spending: Winter Haven, FL vs Spartanburg, SC

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 Haven, FL	Spartanburg, SC	Difference	Change
Housing	$2,359/mo	$2,084/mo	↓ $275less	11.6%
Other	$1,753/mo	$1,602/mo	↓ $152less	8.6%
Transportation	$1,245/mo	$1,128/mo	↓ $118less	9.4%
All Utilities	$568/mo	$506/mo	↓ $62.61less	11.0%
Healthcare	$565/mo	$622/mo	↑ $57.07more	10.1%
Groceries	$1,010/mo	$964/mo	↓ $45.87less	4.5%

Housing

↓ 11.6%

Winter Haven, FL

$2,359

Spartanburg, SC

$2,084

Difference

$275

less

Other

↓ 8.6%

Winter Haven, FL

$1,753

Spartanburg, SC

$1,602

Difference

$152

less

Transportation

↓ 9.4%

Winter Haven, FL

$1,245

Spartanburg, SC

$1,128

Difference

$118

less

All Utilities

↓ 11.0%

Winter Haven, FL

$568

Spartanburg, SC

$506

Difference

$62.61

less

Healthcare

↑ 10.1%

Winter Haven, FL

$565

Spartanburg, SC

$622

Difference

$57.07

Groceries

↓ 4.5%

Winter Haven, FL

$1,010

Spartanburg, SC

$964

Difference

$45.87

less

🏠Rent Comparison

Studio

From$1,120

To$1,040

↓ $80.00

1 Bed

From$1,130

To$1,090

↓ $40.00

2 Bed

From$1,370

To$1,190

↓ $180

3 Bed

From$1,850

To$1,440

↓ $410

Winter Haven, FLZIP-level data

1BR range: $1,130–$1,130/mo

Spartanburg, SCZIP-level data

1BR range: $1,060–$1,230/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 Haven, FL

$6,905

Monthly in Spartanburg, SC

$595

Difference

Home Values

Winter Haven

Spartanburg

$262K

Median Value

$257K

↓ -5.1%

YoY Change

↑ +2.2%

↑ +31.7%

5-Year Change

↑ +42%

$262K

Price Range

$191K - $278K

Homes in Spartanburg are 2% less expensive than Winter Haven

Calculate payment - Winter Haven Calculate payment - Spartanburg

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $10.0K

More taxes

Monthly Difference

$830

Less take-home

Effective Rate Diff

6.6%

Rate difference

Winter Haven, 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

Spartanburg, SC

Federal Income Tax

Effective: 18.9%

$25.5K

South Carolina State Tax

Effective: 6.6%

$10.0K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.3%

$47.0K

Take-Home Pay

$8,586/month

$103.0K

Additional Tax Information

Winter Haven, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Spartanburg, SC Tax Rates

Sales Tax:7.4%

Property Tax:0.6%

💡 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 Haven

Spartanburg

41 Good

Air Quality

51 Moderate

75.6%

Good Air Days

46.2%

98 High

Climate Risk

97 High

🌊🌀🌪

Top Hazards

🌊🌪💨

▲+2.3°F

2050 Outlook

▲+2.9°F

58 days

Heat Days >95°F

36 days

▲+2.3°F

2050 Outlook

▲+2.9°F

58 days

Heat Days >95°F

36 days

Before moving from Winter Haven, FL to Spartanburg, SC

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

Compare actual homes. Get current quotes in Spartanburg, SC for the same bedroom count and included utilities as your home in Winter Haven, 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 Haven to Spartanburg moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Spartanburg, SC by cost, housing, population and region.

Frequently Asked Questions: Winter Haven, FL vs Spartanburg, SC

How do the cost estimates for Winter Haven, FL and Spartanburg, SC compare?

Spartanburg, SC has a modeled overall cost index 8.9% lower than Winter Haven, 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 Haven, FL, the model estimates $142,855 in Spartanburg, SC. 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 Haven, FL and Spartanburg, SC?

The modeled two-bedroom rents are $1,370/month in Winter Haven, FL and $1,190/month in Spartanburg, SC. 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 South Carolina on TaxTakeHome.com