How Much Does It Cost To Live In Windermere Florida

Sat, Dec 02, 2023 at 3:35AM

How Much Does It Cost To Live In Windermere Florida

the Real Costs: How Much Does It Cost to Live in Windermere Florida?

Nestled in the heart of Central Florida, Windermere offers an exquisite blend of luxury living, world-class entertainment, and natural beauty. With its opulent gated communities, top-notch amenities, and proximity to renowned attractions such as Disney World and Universal Orlando, it’s no wonder that Windermere has become a sought-after destination for those seeking an upscale lifestyle. But, how much does it cost to live in Windermere Florida? Let’s embark on a journey to uncover the real costs of living in this lavish oasis.

Key Takeaways

  • Windermere’s cost of living is higher than the national average, with median home prices and rental costs being particularly high.

  • Nutritional expenditures are On par with the national average but transportation costs are lower due to public transport options.

  • Residents enjoy above-average incomes and a variety of leisure activities, Taxation levels must be taken into account when budgeting for housing in Windermere FL.

Breaking Down Windermere's Living Expenses

Aerial view of Windermere Florida


Examining the primary components such as housing, food, transportation, and health care costs allows us to grasp the cost of living in Windermere. As a whole, Windermere’s living expenses surpass the national average, with housing being the most significant contributor to this disparity.

While the average monthly rent for a two-bedroom home in Windermere is $1,989, food and transportation costs are more economical than the national average, and health care costs align with the US average.

The Housing Market Landscape

Luxury neighborhood in Windermere

Windermere’s housing market is characterized by:

  • High median home values and rental prices

  • Luxury neighborhoods and high-income households

  • Median home price of $815,000

  • Windermere cost of living index for housing at 110.3% of the national average

It is clear that housing affordability may be a challenge for some. However, the allure of upscale communities and the overall appeal of the area have made Windermere an attractive destination for those who can afford the premium.

These high housing costs are not solely a result of the luxury properties that grace the market. A strong demand for housing, limited housing supply, and the desirability of Windermere due to its location and amenities also contribute to the elevated prices. Understanding these factors is required to navigate the FL housing market in Windermere effectively as a potential homebuyer or renter.

Nutritional Expenditures

Fresh fruits and vegetables at a market

Food costs in Windermere are relatively in line with the national average. A family of four can expect to spend approximately $9,441 annually on groceries and dining out. This similarity extends to the cost of basic groceries, such as bread ($4.00 per loaf) and milk ($2.50 per gallon). However, organic and specialty foods in Windermere can be significantly more expensive, with some items costing up to 47% more than their conventional counterparts.

When dining out, the average cost of a meal at a restaurant in Windermere ranges from $10 to $20 per person. The variety of options and price points available means that residents can easily find food that suits their tastes and budgets.

Overall, nutritional expenditures in Windermere are comparable to those in other parts of the country, with some minor fluctuations depending on the specific items being purchased.

Getting Around: Transportation Costs

Public transportation in a city

Transportation costs in Windermere are lower than the national average, offering some relief when it comes to the overall cost of living. The primary public transportation option in the area is the LYNX bus system, providing residents with a cost-effective means of getting around. The average cost of car insurance for Windermere residents is $2,055, which also contributes to the lower transportation expenses.

This below-average transportation cost can be attributed to a combination of factors, including the availability of public transportation and the proximity of Windermere to major attractions and employment centers. As a result, residents may find that they are able to save on transportation costs while still enjoying the benefits of living in this picturesque Florida community.

Health Care Spending in Windermere

Healthcare professional with stethoscope

Windermere’s health care costs are a bit above the national average. However, they are still within an acceptable range for most people. Factors that can influence these costs include:

  • Health behaviors

  • Risk factors

  • Social determinants

  • Lack of insurance

  • Payment models that reward quantity over efficiency

For example, a single adult in Windermere can expect to pay an average of $4,427 per year for health care.

Health insurance also plays a role in health care spending, with the average cost of a Silver plan for a 40-year-old in Windermere being $599 per month. While health care costs in Windermere are slightly higher than the national average, it is important to consider the quality of care and the range of services available in the area.

Ultimately, residents should weigh the costs and benefits of health care in Windermere to determine if it aligns with their needs and budget.

The Income Picture in Windermere

When it comes to income, Windermere boasts a high median household income of $131,392 and an average individual income of $63,732. These high-income levels contribute to the area’s overall cost of living and reflect the affluence that Windermere is known for. The elevated median income levels in Windermere can be attributed to a variety of factors, such as the presence of high-income households and the thriving local economy.

Both current and prospective residents need to understand the income dynamics in Windermere, as this knowledge can provide insight into the financial strain or comfort experienced by individuals living in the area. By examining the gross and net incomes of residents, we can gain a more comprehensive picture of the financial landscape in Windermere.

Gross vs. Net Income Dynamics

In Windermere, net income is determined by subtracting deductions and expenses from gross income. This distinction between gross and net income can have a significant impact on residents’ financial comfort and their ability to afford the area’s living expenses. For instance, the average household income in Windermere is $232,609, with a median household income of $131,392 per year.

The usual deductions from gross income in Windermere pertain to expenses incurred in relation to owning rental properties. It is important for residents to be aware of these deductions and how they can affect their net income, as they can influence their ability to meet the costs of living in Windermere and maintain a comfortable lifestyle.

Financial Strain or Comfort?

Financial strain or comfort in Windermere is determined by factors such as housing costs, income levels, and budgeting strategies. For example, the 50-30-20 rule for budgeting suggests that 50% of net income should be allocated towards needs, 30% towards wants, and 20% towards savings and investments. By following this rule, residents can better manage their finances and avoid potential financial strain.

However, recognizing that individual circumstances and preferences also determine financial strain or comfort is key. For instance, some individuals may prioritize luxury amenities and experiences, while others may focus on building their savings and investments. Ultimately, the level of financial strain or comfort experienced in Windermere will depend on a variety of factors and personal choices.

Taxation in Windermere: A Closer Look

Taxes are an important aspect of living in any community, and Windermere is no exception. Residents are subject to various taxes, including property taxes, sales tax, and other levies. Overall, the tax rates in Windermere are comparable to the national average, ensuring that residents are not disproportionately burdened by their tax obligations.

Examining property taxes and sales tax rates in more detail will aid in understanding the impact of taxes on the cost of living in Windermere. This can provide insight into how taxes affect the financial well-being of residents and their ability to afford the lifestyle and amenities that Windermere has to offer.

Property Taxes in Perspective

Property taxes in Windermere can be found on the Orange County Tax Collector’s website, providing a useful resource for homeowners seeking information about their financial obligations. Property taxes are based on the assessed value of the property and are determined by the local tax assessor’s office. The tax rate, or millage rate, is then applied to the assessed value to calculate the property taxes due.

There are exemptions and discounts available for property taxes in Windermere, such as:

  • Homestead exemption

  • Widow/widower exemption

  • Disability exemption

  • Senior exemption

By taking advantage of these exemptions and being aware of their property tax obligations, homeowners in Windermere can better manage their financial responsibilities and contribute to the overall well-being of the community.

Sales Tax and Other Levies

In addition to property taxes, residents of Windermere are also subject to:

  • A sales tax rate of 6.5%

  • State and federal income taxes

  • Social Security contributions

  • Medicare payroll taxes

These taxes, including capita state tax collections, contribute to the overall cost of living in the area.

By understanding the various taxes and levies in Windermere, residents can better plan their finances and ensure that they are meeting their tax obligations. This knowledge can also help residents make informed decisions about where to live and work, as well as how to allocate their resources to maintain a comfortable lifestyle in this luxurious Florida community.

Comparing Windermere to the Orlando Metropolitan Statistical Area

When comparing Windermere’s cost of living to the Orlando Metropolitan Statistical Area, it becomes evident that Windermere has a higher cost of living due to factors such as housing and income levels. For example, the average housing cost in the Orlando Metropolitan Statistical Area is approximately $380,000 to $400,000, significantly lower than the median home price of $815,000 in Windermere.

Despite the higher cost of living, many residents are drawn to Windermere for its upscale lifestyle, amenities, and proximity to world-class attractions like Disney World and Universal Orlando. By understanding this comparison, potential residents can make informed decisions about whether Windermere is the right fit for their lifestyle and budget.

Child Care and Education Expenditures

Child care and education expenditures in Windermere are lower than the national average, with private schools averaging $27,195 per year. There are also various educational options available in the area, such as after-school programs and activities, with rates depending on the provider. These lower costs can provide some relief for families looking to balance their budgets while still providing their children with quality educational opportunities.

The average annual cost of child care for two children in Windermere is $12,062, and the cost of homeschooling varies between $500 and $2500 per child per year. Although specific cost breakdowns for public and private schooling options in Windermere are not readily available, the overall lower education and child care expenses in the area can be an attractive feature for families considering a move to this affluent community.

Lifestyle and Leisure in Windermere

Living in Windermere offers residents:

  • An opulent lifestyle

  • Gated communities

  • Upscale neighborhoods

  • Proximity to various amusements and entertainments

  • Close proximity to major attractions like Disney World and Universal Orlando

  • Recreational activities on Lake Butler

Windermere provides a perfect balance of luxury living and leisure opportunities for its residents.

Exploring the gated communities and attractions that make this area appealing is necessary to truly appreciate the lifestyle and leisure opportunities in Windermere. From the prestigious neighborhoods of Isleworth and Keenes Pointe to the world-class entertainment options just a short drive away, there is no shortage of ways to enjoy the finer things in life in Windermere.

Gated Communities and Opulence

Gated communities in Windermere, such as Isleworth and Keenes Pointe, offer luxury living with homes that boast average prices around $3.5 million. Residents of these communities benefit from:

  • 24-hour security

  • Access to golf courses

  • Golf clubhouses

  • Dining options

  • A variety of recreational facilities

The allure of living within these gated communities is further enhanced by the grand properties that offer luxurious characteristics, expansive layouts, and superior craftsmanship. The prestige and exclusivity of these neighborhoods contribute to Windermere’s reputation as an opulent and desirable place to call home.

Attractions and Entertainment

Beyond its luxurious neighborhoods, Windermere is also ideally situated for residents to enjoy a variety of attractions and entertainment options. With Disney World just 15 miles away and Universal Orlando only 20 miles from Windermere, residents can easily access world-class theme parks and experiences.

In addition to these renowned attractions, Windermere also offers a range of recreational activities on Lake Butler, such as:

  • Fishing

  • Boating

  • Kayaking

  • Water sports

With its combination of luxury living, gated communities, and access to world-class entertainment, Windermere is an ideal location for those seeking both opulence and leisure.

Windermere's Cost of Living Calculator

To help residents estimate their expected expenditures based on factors such as housing, food, utilities, transportation, and healthcare, Windermere’s cost of living calculator serves as a valuable resource. By inputting relevant information, individuals can gain a better understanding of the costs associated with living in Windermere and make informed decisions about their budgets and lifestyle preferences.

The cost of living calculator can also be used to compare the cost of living in Windermere with other locations, allowing potential residents to weigh the pros and cons of relocating to this luxurious Florida community. By utilizing this tool, individuals can better prepare for the financial realities of life in Windermere and ensure they can maintain a comfortable and enjoyable lifestyle.

Navigating the FL Housing Market

High median home prices and luxury neighborhoods can significantly impact property values, making it essential to understand the FL housing market in Windermere. Navigating this market requires an awareness of the factors contributing to the high home prices, such as the strong demand for housing, limited supply, and the desirability of the area due to its location and amenities.

By being informed about the market dynamics and understanding the influence of high-income households on property values, potential homebuyers and renters can make better decisions when searching for their dream home in Windermere. With a clear understanding of the market, individuals can confidently navigate the FL housing market and find the perfect home that meets their needs and budget.


In conclusion, living in Windermere, Florida offers a luxurious lifestyle, complete with opulent gated communities, upscale neighborhoods, and world-class attractions just a short drive away. While the cost of living in Windermere is higher than the national average, the area’s high median household income and access to quality amenities make it a desirable destination for those who can afford the premium. By understanding the various costs associated with living in Windermere, from housing and food to taxes and healthcare, residents can plan their finances effectively and enjoy the many benefits of this exclusive Florida community.

Frequently Asked Questions

What is the average cost of a home in Windermere, Florida?

The average cost of a home in Windermere, Florida is $815,000.

How much does it cost to dine out in Windermere?

Dining out in Windermere is moderately priced, with an average cost of $10 to $20 per person.

What is the sales tax rate in Windermere, Florida?

The sales tax rate in Windermere, Florida is 6.5%.

How much does it cost to send a child to a private school in Windermere?

The average annual cost of attending a private school in Windermere is $27,195.

What recreational activities are available on Lake Butler in Windermere?

Lake Butler in Windermere offers a variety of recreational activities such as fishing, boating, kayaking, and water sports for outdoor enthusiasts.

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