33837 — Polk County, Florida Market Snapshot
Housing market data for zip code 33837 in Polk County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
86 sales in 2026 (year to date)
Median Sale Price
$291,990
Days to Sell
50
Homes Sold
86
Inventory
102
Sale-to-List
98.9%
New Listings
99
Price/SqFt
$173
Pending Sales
90
Conforming Loan Available
Most homebuyers in 33837 can comfortably use conventional financing. The median home price of $291,990 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
33837's market is balanced with homes taking an average of 50 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 33837 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33837 can comfortably use conventional financing. The median home price of $291,990 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 33837 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 33837
To purchase the median home at $291,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,387.
Monthly Payment
$2,387
Income Required
$102,306
Principal & Interest
$1,799/mo
Down Payment (5%)
$14,600
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 33837.
Estimated Monthly Payment
$1,957
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