Is Winter Beach, FL a Good Place to Live?
Winter Beach is a small town of 4,273 in Florida, with a median household income of $82,045 and a 6.8% unemployment rate. Its cost of living index is 97 (US average = 100), which is 3% below the national average.
Strengths: Winter Beach stands out for an affordable cost of living, solid school ratings (B), short average commutes.
Trade-offs: Potential downsides include high home prices, an elevated unemployment rate. Whether Winter Beach is right for you depends on your priorities — the full breakdown is below.
All Winter Beach city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 96.9Winter Beach's overall cost of living index is 96.9, where 100 represents the US national average. Living in Winter Beach costs roughly 3% less than the average American city.
| Metric | Winter Beach, FL | National Avg |
|---|---|---|
| Median Home Value | $401,900 | $244,900 |
| Median Monthly Rent | $2,276 | $1,163 |
| Homeownership Rate | 93.2% | 65.9% |
| Median Household Income | $82,045 | $74,755 |
Crime & Safety
Very SafeWinter Beach's violent crime rate is 33.1 per 100,000 residents — 91% lower than the national average of ~380 per 100,000.
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Winter Beach is served primarily by INDIAN RIVER. The student-to-teacher ratio is 17.7:1 (slightly above the national average of ~16:1).
| Metric | Winter Beach, FL | National Avg |
|---|---|---|
| School District | INDIAN RIVER | — |
| Elementary Schools | 17 | — |
| Middle Schools | 5 | — |
| High Schools | 4 | — |
| Student/Teacher Ratio | 17.7:1 | 16:1 |
| Bachelor's Degree or Higher | 31.0% | 35.4% |
| High School Diploma or Higher | 89.4% | 91.1% |
Weather & Climate
Winter Beach sees average highs of 73.4°F in January and 90.6°F in July, with 56.4 inches of annual precipitation .
| Metric | Winter Beach, FL |
|---|---|
| Average High — January | 73.4°F |
| Average High — July | 90.6°F |
| Annual Precipitation | 56.4" |
| Annual Snowfall | Trace / None |
Demographics
| Metric | Winter Beach, FL | National Avg |
|---|---|---|
| Population | 4,273 | — |
| Median Age | 55.8 | 38.9 |
| Unemployment Rate | 6.8% | 3.7% |
| Avg Commute Time | 21.4 min | 26 min |
| White (non-Hispanic) | 78.1% | 59.3% |
| Black or African American | 7.0% | 13.6% |
| Hispanic or Latino | 6.6% | 18.9% |
| Asian | 0.7% | 6.3% |
| Under 18 | 19.7% | 22.2% |
| 65 and over | 34.1% | 16.8% |
Nearby Cities
ZIP Codes in Winter Beach
Winter Beach, FL is covered by 1 ZIP code: