33815 — Polk County, Florida Market Snapshot
Housing market data for zip code 33815 in Polk County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$219,500
Days to Sell
48
Homes Sold
22
Inventory
16
Sale-to-List
98.2%
New Listings
21
Price/SqFt
$207
Pending Sales
25
Conforming Loan Available
Most homebuyers in 33815 can comfortably use conventional financing. The median home price of $219,500 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
33815's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 33815 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33815 can comfortably use conventional financing. The median home price of $219,500 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 33815 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 33815
To purchase the median home at $219,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,832.
Monthly Payment
$1,832
Income Required
$78,503
Principal & Interest
$1,352/mo
Down Payment (5%)
$10,975
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 33815.
Estimated Monthly Payment
$1,508
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