33840 — Polk County, Florida Market Snapshot
Housing market data for zip code 33840 in Polk County, Florida. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Polk County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$193,900
Days to Sell
143
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 33840 can comfortably use conventional financing. The median home price of $193,900 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 143 days on average, 33840 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 33840 can comfortably use conventional financing. The median home price of $193,900 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 33840 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 33840
To purchase the median home at $193,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,636.
Monthly Payment
$1,636
Income Required
$70,097
Principal & Interest
$1,195/mo
Down Payment (5%)
$9,695
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 33840.
Estimated Monthly Payment
$1,350
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