Polk County, Florida has a 2026 one-unit conforming loan limit of $832,750, which is 3.1 times the county's median home value of $266,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,978 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $266,500 |
| Florida median home value | $359,000 |
| Limit ÷ median home value | 3.12× |
| Median household income | $65,978 |
| Median home value ÷ income | 4.0× |
| Population | 790,694 |
| Median property tax paid (owners) | $1,933 |
| Effective property tax rate (approx.) | 0.73% |
| Owner-occupied homes | 70.5% |
| Home value rank in Florida | 36 of 67 counties |
| Neighbor: Hardee County, FL | limit $832,750; median home $153,600 |
| Neighbor: Highlands County, FL | limit $832,750; median home $187,900 |
| Neighbor: Hillsborough County, FL | limit $832,750; median home $371,500 |
| Neighbor: Lake County, FL | limit $832,750; median home $318,400 |
| Neighbor: Manatee County, FL | limit $832,750; median home $391,400 |
| Neighbor: Okeechobee County, FL | limit $832,750; median home $193,000 |
| Neighbor: Orange County, FL | limit $832,750; median home $390,100 |
| Neighbor: Osceola County, FL | limit $832,750; median home $353,300 |
Across Florida's 67 counties, FHFA's 2026 one-unit limits range from $832,750 to $990,150, with 1 high-cost county. Polk County's median home value is 26% below the state median of $359,000 (rank 36 of 67). Among its 8 neighboring counties, Manatee County has the highest median home value ($391,400) and Hardee County the lowest ($153,600); all share the same loan limit. Owners pay a median $1,933 a year in property tax, an effective rate of about 0.73% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Poinsett County, AR
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- 2026 conforming loan limit: Polk County, AR
- 2026 conforming loan limit: Polk County, GA
- 2026 conforming loan limit: Polk County, IA
- 2026 conforming loan limit: Polk County, MN
- 2026 conforming loan limit: Polk County, MO
- 2026 conforming loan limit: Polk County, NC
Last updated 2026-10-16. Data only, not financial or tax advice.