34714 — Polk County, Florida Market Snapshot
Housing market data for zip code 34714 in Polk County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$379,700
Days to Sell
106
Homes Sold
40
Inventory
38
Sale-to-List
98.8%
New Listings
46
Price/SqFt
$232
Pending Sales
51
Conforming Loan Available
Most homebuyers in 34714 can comfortably use conventional financing. The median home price of $379,700 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 106 days on average, 34714 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
Homes are selling very close to asking price in 34714 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 34714 can comfortably use conventional financing. The median home price of $379,700 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 34714 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 34714
To purchase the median home at $379,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,059.
Monthly Payment
$3,059
Income Required
$131,106
Principal & Interest
$2,340/mo
Down Payment (5%)
$18,985
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 34714.
Estimated Monthly Payment
$2,500
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