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
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $275,990 median-priced home in 33859 is $262,191. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 33859 is 94 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 33859 is 98.3%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $275,990 median-priced home in 33859 is $262,191. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
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 the assumed 6.75% rate, the estimated monthly payment is approximately $2,374.
Monthly Payment
$2,374
Income Required
$101,734
Principal & Interest
$1,701/mo
Property Tax
$414/mo
Home Insurance
$150/mo
Estimated PMI
$109/mo
Down Payment (5%)
$13,800
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 33859.
Estimated Monthly Payment
$1,858
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 33859. Tell us what you're looking for.