ZIP 33810 vs ZIP 33809

33810 is one of 40 ZIP codes that lie mostly in Polk County, FL — 73% of its own area is in the county.

Shaded by typical home value, it ranks 7 of the 34 with a value.

10 school locations in 33810: 7 elementary, 2 middle, 1 other.

In alphabetical order: DR. NE ROBERTS ELEMENTARY SCHOOL, ELEMENTARY - N LAKELAND, GRIFFIN ELEMENTARY SCHOOL, KATHLEEN ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

33809 is one of 40 ZIP codes that lie mostly in Polk County, FL.

Shaded by typical home value, it ranks 8 of the 34 with a value.

4 school locations in 33809: 2 elementary, 1 middle, 1 high.

In alphabetical order: EDGAR L. PADGETT ELEMENTARY, LAKE GIBSON MIDDLE SCHOOL, WENDELL WATSON ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 33810 was worth $96,333.

Values peaked at $333,117 in May 2024. The latest reading is −5.1% from that peak.

As of August 2026: $316,171, −1.2% over twelve months.

Start with the typical home: $316,171. Put 20% down and borrow $252,937 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,751 a month in principal and interest.

The median household here earns $69,738 a year, $5,812 a month. So the payment takes 30.1% 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 9.2% 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 $577.

In December 2020, with rates at 2.68%, it was $738.

By August 2026, at 6.67%, it was $1,627 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +228% 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 $190,123. So the real change is +66%, not +228%.

33810: +228% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33810 ran behind it by 17 points.

Owning the typical home costs about $2,067 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,036 a month.

Price divided by a year's rent: 12.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33809 was worth $100,271.

Values peaked at $329,107 in May 2024. The latest reading is −5.4% from that peak.

As of August 2026: $311,241, −1.0% over twelve months.

Start with the typical home: $311,241. Put 20% down and borrow $248,993 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,724 a month in principal and interest.

The median household here earns $67,112 a year, $5,593 a month. So the payment takes 30.8% 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 9.9% 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 $600.

In December 2020, with rates at 2.68%, it was $732.

By August 2026, at 6.67%, it was $1,601 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +210% 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 $197,895. So the real change is +57%, not +210%.

33809: +210% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33809 ran behind it by 35 points.

Owning the typical home costs about $2,035 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,627 a month.

Price divided by a year's rent: 15.9. 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 82 a month (Redfin, 3-month rolling data through August 2026). That is 98% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 247. That is 149% of the 2015–2019 level for the same months.

Going out — closed sales: about 52 a month. That is 67% of the 2015–2019 level for the same months. The drain is drawn 55% narrower: the share of homes for sale that sell each month is 45% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.7 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 30 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 52 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 68 — so sales ran at 76% 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).

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 69% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 143.

Going out — closed sales: about 27 a month. That is 57% of the 2015–2019 level for the same months. The drain is drawn 52% narrower: the share of homes for sale that sell each month is 48% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.4 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 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 27 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 44 — so sales ran at 61% 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: 247 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: 143 in June 2026.

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