ZIP 33813 vs ZIP 33897

33813 is one of 40 ZIP codes that lie mostly in Polk County, FL.

Shaded by typical home value, it ranks 3 of the 34 with a value.

6 school locations in 33813: 4 elementary, 1 middle, 1 high.

In alphabetical order: HIGHLANDS GROVE ELEMENTARY SCHOOL, LAKELAND HIGHLANDS MIDDLE SCHOOL, MEDULLA ELEMENTARY SCHOOL, SCOTT LAKE ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

33897 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 4 of the 34 with a value.

4 school locations in 33897: 1 elementary, 3 middle.

In alphabetical order: BELLA CITTA, BRIDGEPREP ACADEMY OF POLK, CITRUS RIDGE A CIVICS ACADEMY, FOUR CORNERS CHARTER SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33813 was worth $119,693.

Values peaked at $381,239 in May 2024. The latest reading is −3.0% from that peak.

As of August 2026: $369,661, −0.3% over twelve months.

Start with the typical home: $369,661. Put 20% down and borrow $295,729 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,048 a month in principal and interest.

The median household here earns $96,723 a year, $8,060 a month. So the payment takes 25.4% of income — rated “affordable” (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 8.2% 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 $717.

In December 2020, with rates at 2.68%, it was $854.

By August 2026, at 6.67%, it was $1,902 — +123% since December 2020, while the home's value moved +40%.

Reported values rose +209% 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 $236,226. So the real change is +56%, not +209%.

33813: +209% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33813 ran behind it by 36 points.

Owning the typical home costs about $2,417 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,155 a month.

Price divided by a year's rent: 14.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33897 was worth $142,778.

Values peaked at $386,183 in September 2022. The latest reading is −11.5% from that peak.

As of August 2026: $341,893, −2.9% over twelve months.

Start with the typical home: $341,893. Put 20% down and borrow $273,514 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,894 a month in principal and interest.

The median household here earns $73,457 a year, $6,121 a month. So the payment takes 30.9% 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 12.9% 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 $855.

In December 2020, with rates at 2.68%, it was $809.

By August 2026, at 6.67%, it was $1,759 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +139% 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 $281,787. So the real change is +21%, not +139%.

33897: +140% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33897 ran behind it by 106 points.

Owning the typical home costs about $2,236 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,175 a month.

Price divided by a year's rent: 13.1. 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 59 a month (Redfin, 3-month rolling data through August 2026). That is 77% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 177. That is 88% of the 2015–2019 level for the same months.

Going out — closed sales: about 59 a month. That is 85% of the 2015–2019 level for the same months. The drain is drawn 5% narrower: the share of homes for sale that sell each month is 95% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.0 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: listings and sales were even.

Homes sold: about 59 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 65 — so sales ran at 91% 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 86 a month (Redfin, 3-month rolling data through August 2026). That is 92% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 431. That is 138% of the 2015–2019 level for the same months.

Going out — closed sales: about 52 a month. That is 56% of the 2015–2019 level for the same months. The drain is drawn 61% narrower: the share of homes for sale that sell each month is 39% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 8.2 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 33 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 79 — so sales ran at 66% 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: 177 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: 431 in June 2026.

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