ZIP 33849 vs ZIP 33812

33849 is one of 40 ZIP codes that lie mostly in Polk County, FL — 98% of its own area is in the county.

Shaded by typical home value, it ranks 1 of the 34 with a value.

33812 is one of 40 ZIP codes that lie mostly in Polk County, FL.

Shaded by typical home value, it ranks 2 of the 34 with a value.

1 school location in 33812: 1 elementary.

In alphabetical order: MI ESCUELA MONTESSORI. Locations only — no ratings are shown here.

In January 2012 the typical home in 33849 was worth $132,481.

Values peaked at $401,967 in February 2025. The latest reading is −1.7% from that peak.

As of August 2026: $395,150, +2.2% over twelve months.

Start with the typical home: $395,150. Put 20% down and borrow $316,120 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,189 a month in principal and interest.

The median household here earns $69,911 a year, $5,826 a month. So the payment takes 37.6% of income — rated “severe” (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 12.6% in 2012.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2012 (3.92%) the payment was $501.

In December 2020, with rates at 2.68%, it was $913.

By August 2026, at 6.67%, it was $2,033 — +123% since December 2020, while the home's value moved +40%.

Reported values rose +198% since January 2012.

General prices (CPI-U) rose +47% over the same span.

Divide one by the other: in August 2026 dollars, the 2012 home was worth $194,284. So the real change is +103%, not +198%.

33849: +198% since January 2012.

Polk County: +209% since January 2012.

Florida: +186% since January 2012 — 33849 ran ahead of it by 12 points.

Owning the typical home costs about $2,584 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,363 a month.

Price divided by a year's rent: 24.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33812 was worth $110,212.

Values peaked at $386,002 in May 2024. The latest reading is −3.3% from that peak.

As of August 2026: $373,323, −0.2% over twelve months.

Start with the typical home: $373,323. Put 20% down and borrow $298,658 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,068 a month in principal and interest.

The median household here earns $100,569 a year, $8,381 a month. So the payment takes 24.7% 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 7.3% 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 $660.

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

By August 2026, at 6.67%, it was $1,921 — +125% since December 2020, while the home's value moved +42%.

Reported values rose +239% 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 $217,515. So the real change is +72%, not +239%.

33812: +239% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33812 ran behind it by 6 points.

Owning the typical home costs about $2,441 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,904 a month.

Price divided by a year's rent: 16.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 0 a month in May 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 10 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 21 a month (Redfin, 3-month rolling data through August 2026). That is 72% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 62.

Going out — closed sales: about 14 a month. That is 53% of the 2015–2019 level for the same months. The drain is drawn 45% narrower: the share of homes for sale that sell each month is 55% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.5 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 7 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 23 — 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: 1 in April 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: 62 in June 2026.

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