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Polk City town, FL

ZIP 33868 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33868

Median Home Value
$235,600
Median Rent
$922
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,513/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33868 in Polk City town, FL, a household would need roughly $65,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,513. That sits below the local median household income ($74,048), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.9%+33% vs US avg
x
Vacancy Rate
18.9%+84% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
3.1%-54% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
43.0%+12% vs US avg
x
$235,600
Home Value
$922
Rent
1996
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached49.7%
  • 1-unit attached0.4%
  • 2-9 units2.1%
  • 10+ units0.2%
  • Mobile home & other47.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$235,600
Median rent$922
Owner-occupied86.9%
Vacant18.9%
Price-to-income3.2x
Est. income to buy$65,000