33859 — Polk County, Florida Market Snapshot
Housing market data for zip code 33859 in Polk County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$275,990
Days to Sell
94
Homes Sold
83
Inventory
82
Sale-to-List
98.3%
New Listings
75
Price/SqFt
$166
Pending Sales
99
Conforming Loan Available
Most homebuyers in 33859 can comfortably use conventional financing. The median home price of $275,990 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 94 days on average, 33859 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 33859 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33859 can comfortably use conventional financing. The median home price of $275,990 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 33859 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 33859
To purchase the median home at $275,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,265.
Monthly Payment
$2,265
Income Required
$97,052
Principal & Interest
$1,701/mo
Down Payment (5%)
$13,800
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 33859.
Estimated Monthly Payment
$1,858
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