33853 — Polk County, Florida Market Snapshot
Housing market data for zip code 33853 in Polk County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$266,770
Days to Sell
30
Homes Sold
62
Inventory
78
Sale-to-List
99.4%
New Listings
74
Price/SqFt
$141
Pending Sales
68
Conforming Loan Available
Most homebuyers in 33853 can comfortably use conventional financing. The median home price of $266,770 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
33853's market is balanced with homes taking an average of 30 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 33853 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33853 can comfortably use conventional financing. The median home price of $266,770 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 33853 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 33853
To purchase the median home at $266,770 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,194.
Monthly Payment
$2,194
Income Required
$94,024
Principal & Interest
$1,644/mo
Down Payment (5%)
$13,339
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 33853.
Estimated Monthly Payment
$1,801
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