ZIP 33851 vs ZIP 33850

33851 is one of 40 ZIP codes that lie mostly in Polk County, FL.

Shaded by typical home value, it ranks 9 of the 34 with a value.

33850 is one of 40 ZIP codes that lie mostly in Polk County, FL.

Shaded by typical home value, it ranks 10 of the 34 with a value.

5 school locations in 33850: 1 elementary, 2 middle, 2 high.

In alphabetical order: DISCOVERY ACADEMY OF LAKE ALFRED, DISCOVERY HIGH SCHOOL, KAREN M. SIEGEL ACADEMY, LAKE ALFRED ELEMENTARY SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 33851 was worth $79,362.

Values peaked at $327,747 in April 2024. The latest reading is −5.9% from that peak.

As of August 2026: $308,500, −1.8% over twelve months.

Start with the typical home: $308,500. Put 20% down and borrow $246,800 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,709 a month in principal and interest.

The median household here earns $77,557 a year, $6,463 a month. So the payment takes 26.4% 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 6.8% 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 $475.

In December 2020, with rates at 2.68%, it was $741.

By August 2026, at 6.67%, it was $1,587 — +114% since December 2020, while the home's value moved +35%.

Reported values rose +289% 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 $156,629. So the real change is +97%, not +289%.

33851: +289% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33851 ran ahead of it by 44 points.

Owning the typical home costs about $2,017 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: 18.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33850 was worth $85,610.

Values peaked at $323,760 in September 2022. The latest reading is −5.3% from that peak.

As of August 2026: $306,521, −1.4% over twelve months.

Start with the typical home: $306,521. Put 20% down and borrow $245,217 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,698 a month in principal and interest.

The median household here earns $53,877 a year, $4,490 a month. So the payment takes 37.8% 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 10.6% 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 $513.

In December 2020, with rates at 2.68%, it was $708.

By August 2026, at 6.67%, it was $1,577 — +123% since December 2020, while the home's value moved +40%.

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 $168,960. So the real change is +81%, not +258%.

33850: +258% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33850 ran ahead of it by 13 points.

Owning the typical home costs about $2,004 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,981 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.

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 22 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 112.

Going out — closed sales: about 22 a month. The drain is drawn 36% narrower: the share of homes for sale that sell each month is 64% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.2 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 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 22 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 10 — so sales ran at 220% of it, and below it in 0 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 May 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: 112 in June 2026.

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