33830 — Polk County, Florida Market Snapshot
Housing market data for zip code 33830 in Polk County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
130 sales in 2026 (year to date)
Median Sale Price
$302,930
Days to Sell
66
Homes Sold
130
Inventory
121
Sale-to-List
98.5%
New Listings
133
Price/SqFt
$172
Pending Sales
161
Conforming Loan Available
Most homebuyers in 33830 can comfortably use conventional financing. The median home price of $302,930 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 66 days on average, 33830 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 33830 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33830 can comfortably use conventional financing. The median home price of $302,930 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 33830 are set at the county level.
2026 Loan Limits — Polk County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 33830
To purchase the median home at $302,930 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,471.
Monthly Payment
$2,471
Income Required
$105,898
Principal & Interest
$1,867/mo
Down Payment (5%)
$15,147
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 33830.
Estimated Monthly Payment
$2,025
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