ZIP 33803 vs ZIP 33860

33803 is one of 40 ZIP codes that lie mostly in Polk County, FL.

Shaded by typical home value, it ranks 16 of the 34 with a value.

11 school locations in 33803: 4 elementary, 3 middle, 4 high.

In alphabetical order: BILL DUNCAN OPPORTUNITY CENTER, CARLTON PALMORE ELEMENTARY SCHOOL, CLEVELAND COURT ELEMENTARY SCHOOL, DIXIELAND ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

33860 is one of 40 ZIP codes that lie mostly in Polk County, FL — 99% of its own area is in the county.

Shaded by typical home value, it ranks 17 of the 34 with a value.

4 school locations in 33860: 2 elementary, 1 middle, 1 high.

In alphabetical order: MULBERRY MIDDLE SCHOOL, PURCELL ELEMENTARY SCHOOL, WILLOW OAK SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 33803 was worth $89,280.

Values peaked at $310,771 in May 2024. The latest reading is −7.5% from that peak.

As of August 2026: $287,345, −1.9% over twelve months.

Start with the typical home: $287,345. Put 20% down and borrow $229,876 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,592 a month in principal and interest.

The median household here earns $63,180 a year, $5,265 a month. So the payment takes 30.2% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.4% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $535.

In December 2020, with rates at 2.68%, it was $689.

By August 2026, at 6.67%, it was $1,478 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +222% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $176,203. So the real change is +63%, not +222%.

33803: +222% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33803 ran behind it by 23 points.

Owning the typical home costs about $1,879 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,592 a month.

Price divided by a year's rent: 15.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33860 was worth $79,716.

Values peaked at $305,570 in May 2024. The latest reading is −6.6% from that peak.

As of August 2026: $285,300, −1.4% over twelve months.

Start with the typical home: $285,300. Put 20% down and borrow $228,240 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,580 a month in principal and interest.

The median household here earns $62,779 a year, $5,232 a month. So the payment takes 30.2% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 8.4% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $477.

In December 2020, with rates at 2.68%, it was $677.

By August 2026, at 6.67%, it was $1,468 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +258% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $157,328. So the real change is +81%, not +258%.

33860: +258% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33860 ran ahead of it by 13 points.

Owning the typical home costs about $1,866 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,783 a month.

Price divided by a year's rent: 13.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 41 a month (Redfin, 3-month rolling data through August 2026). That is 83% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 125.

Going out — closed sales: about 36 a month. That is 87% of the 2015–2019 level for the same months. The drain is drawn 15% narrower: the share of homes for sale that sell each month is 85% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.4 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 36 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 44 — so sales ran at 82% of it, and below it in 22 of the last 24 months.

Across Polk County, builders pulled permits for 8,236 new homes in 2025.

Of those, 82% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 34 a month (Redfin, 3-month rolling data through August 2026). That is 93% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 93.

Going out — closed sales: about 23 a month. That is 73% of the 2015–2019 level for the same months. The drain is drawn 27% narrower: the share of homes for sale that sell each month is 73% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.0 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 23 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 29 — so sales ran at 79% of it, and below it in 24 of the last 24 months.

Across Polk County, builders pulled permits for 8,236 new homes in 2025.

Of those, 82% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Polk County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 15,366 moved in. Among the ten receiving the most, 9,213 moved out.

Net across those counties: +6,153 households. Beside it, homes for sale in this ZIP: 125 in June 2026.

Most arrivals came from Orange, FL (4,119 households); most departures went to Orange, FL (2,300).

This ZIP sits in Polk County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 15,366 moved in. Among the ten receiving the most, 9,213 moved out.

Net across those counties: +6,153 households. Beside it, homes for sale in this ZIP: 93 in June 2026.

Most arrivals came from Orange, FL (4,119 households); most departures went to Orange, FL (2,300).