ZIP 33859 vs ZIP 33838

33859 is one of 40 ZIP codes that lie mostly in Polk County, FL.

Shaded by typical home value, it ranks 21 of the 34 with a value.

1 school location in 33859: 1 middle.

In alphabetical order: BOK ACADEMY. Locations only — no ratings are shown here.

33838 is one of 40 ZIP codes that lie mostly in Polk County, FL.

Shaded by typical home value, it ranks 22 of the 34 with a value.

3 school locations in 33838: 1 elementary, 1 middle, 1 high.

In alphabetical order: DON E WOODS OPPORTUNITY CENTER, DUNDEE ELEMENTARY ACADEMY, DUNDEE RIDGE MIDDLE ACADEMY. Locations only — no ratings are shown here.

In January 2000 the typical home in 33859 was worth $101,793.

Values peaked at $297,083 in September 2022. The latest reading is −8.5% from that peak.

As of August 2026: $271,843, −3.8% over twelve months.

Start with the typical home: $271,843. Put 20% down and borrow $217,474 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,506 a month in principal and interest.

The median household here earns $61,871 a year, $5,156 a month. So the payment takes 29.2% 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 10.9% 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 $610.

In December 2020, with rates at 2.68%, it was $667.

By August 2026, at 6.67%, it was $1,399 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +167% 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 $200,899. So the real change is +35%, not +167%.

33859: +167% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33859 ran behind it by 78 points.

Owning the typical home costs about $1,778 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,000 a month.

Price divided by a year's rent: 11.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33838 was worth $73,672.

Values peaked at $297,576 in September 2022. The latest reading is −11.1% from that peak.

As of August 2026: $264,582, −4.1% over twelve months.

Start with the typical home: $264,582. Put 20% down and borrow $211,666 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,466 a month in principal and interest.

The median household here earns $44,514 a year, $3,710 a month. So the payment takes 39.5% 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 11.0% 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 $441.

In December 2020, with rates at 2.68%, it was $651.

By August 2026, at 6.67%, it was $1,361 — +109% since December 2020, while the home's value moved +32%.

Reported values rose +259% 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 $145,399. So the real change is +82%, not +259%.

33838: +259% since January 2000.

Polk County: +222% since January 2000.

Florida: +245% since January 2000 — 33838 ran ahead of it by 14 points.

Owning the typical home costs about $1,730 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,964 a month.

Price divided by a year's rent: 11.2. 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 29 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 108.

Going out — closed sales: about 20 a month. The drain is drawn 14% narrower: the share of homes for sale that sell each month is 86% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.5 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 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 20 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 14 — so sales ran at 143% 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).

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

On the shelf — homes for sale at the end of the period: 64.

Going out — closed sales: about 12 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 = 5.3 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 6 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 12 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 100% of it, and below it in 8 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: 108 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: 64 in June 2026.

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