33841 — Polk County, Florida Market Snapshot
Housing market data for zip code 33841 in Polk County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$256,450
Days to Sell
109
Homes Sold
32
Inventory
25
Sale-to-List
93.6%
New Listings
30
Price/SqFt
$153
Pending Sales
35
Conforming Loan Available
Most homebuyers in 33841 can comfortably use conventional financing. The median home price of $256,450 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 109 days on average, 33841 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 33841 sells for 6.4% below asking price (93.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33841 can comfortably use conventional financing. The median home price of $256,450 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 33841 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 33841
To purchase the median home at $256,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,115.
Monthly Payment
$2,115
Income Required
$90,636
Principal & Interest
$1,580/mo
Down Payment (5%)
$12,823
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 33841.
Estimated Monthly Payment
$1,737
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