Polk County, FL Average Home Price (2026)
The average home price in Polk County, Florida is about $289,000 (the 2026 median across 38 ZIP codes, at ~$184/sq ft) — 16% more affordable than the Florida median and about the same as the typical U.S. home.
How Polk County compares
Polk County is about average for housing nationally: its typical home costs $289,000 against $345,000 for Florida and $289,000 for the U.S. Within the county, ZIP-level values run from about $88,000 to $570,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Polk County | $289,000 | $184 |
| Florida | $345,000 | $229 |
| United States | $289,000 | $193 |
Cities in Polk County
Cities with their own home-value page, largest first:
Polk County home prices by ZIP code
The 15 most valuable ZIP codes in Polk County (of 38 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 33867 River Ranch | $570,000 | $300 | +97% |
| 33849 Lakeland | $389,000 | $219 | +35% |
| 33847 Homeland | $374,000 | $197 | +29% |
| 33812 Lakeland | $373,000 | $212 | +29% |
| 33813 Lakeland | $369,000 | $202 | +28% |
| 33897 Davenport | $341,000 | $196 | +18% |
| 33877 Waverly | $340,000 | $179 | +18% |
| 33835 Bradley | $336,000 | $177 | +16% |
| 33811 Lakeland | $335,000 | $190 | +16% |
| 33837 Davenport | $335,000 | $184 | +16% |
| 33810 Lakeland | $315,000 | $188 | +9% |
| 33809 Lakeland | $311,000 | $211 | +8% |
| 33851 Lake Hamilton | $309,000 | $173 | +7% |
| 33850 Lake Alfred | $306,000 | $190 | +6% |
| 33823 Auburndale | $304,000 | $189 | +5% |
Home value appreciation in Polk County
Home prices in Polk County have risen about 141% over the last 10 years (≈9.2% a year) and +103.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -1.2% — a recent dip. A home worth $289,000 today was worth roughly $120,166 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Florida is +126.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Polk County
Run the numbers for Polk County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Polk County
To buy the typical $289,000 home in Polk County with 20% down, you need a household income of roughly $79,000 a year (about $1,830 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $93,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,500 | $2,280/mo | $98,000/yr |
| 10% (+PMI) | $28,900 | $2,180/mo | $93,000/yr |
| 20% | $57,800 | $1,830/mo | $79,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Polk County
At about $184 per square foot, here is roughly how much home different budgets get you in Polk County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 820 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1360 sq ft | around the typical home here |
| $300k | 1630 sq ft | around the typical home here |
| $400k | 2170 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Florida.
Estimate a specific home in Polk County
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Polk County home prices: frequently asked
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Browse all Florida cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.