The median home in Polk City, Florida is valued at $247,909, down 4.7% year over year. Typical monthly rent is $1,649, producing a price-to-rent ratio of 12.5x — below the national average of 18x. Polk City is part of the Lakeland-Winter Haven, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Lakeland-Winter Haven, FL stress score, crash risk, and 12-month forecast →

Home Value$247,909

-4.7%

Rent$1,649/mo

AFFORDABILITY

Enter your income for Polk City.

Income (annual)

Down Payment

$49,582 on $247,909

Stretch — 28.5% of income

Above 28% but manageable with cuts.

PITI$1,781

P/I28.5%

Afford$244K

Gap-$4K

P&I $1,254Tax $178Ins $350

Renting $132/mo cheaper ($1,649 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Polk City with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Lakeland-Winter Haven, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Lakeland-Winter Haven, FL metro.

View Lakeland-Winter Haven, FL metro →

POLK CITY, FL