33868 — Polk County, Florida Market Snapshot
Housing market data for zip code 33868 in Polk County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$365,990
Days to Sell
52
Homes Sold
36
Inventory
55
Sale-to-List
97.6%
New Listings
36
Price/SqFt
$220
Pending Sales
30
Conforming Loan Available
Most homebuyers in 33868 can comfortably use conventional financing. The median home price of $365,990 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
33868's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33868 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33868 can comfortably use conventional financing. The median home price of $365,990 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 33868 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 33868
To purchase the median home at $365,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,954.
Monthly Payment
$2,954
Income Required
$126,604
Principal & Interest
$2,255/mo
Down Payment (5%)
$18,300
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 33868.
Estimated Monthly Payment
$2,415
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