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.

Home Value$247,909

-4.7%

Rent$1,649/mo

Prices falling — better for buyers.

Affordability

Enter your income for Polk City.

Income (annual)

Down Payment

$49,582 on $247,909

Example: $75,000 household income. Change it above to see your own.

Stretch28.5% 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$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

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.

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Polk City, FL