Zip lookup · FL

33803
Lakeland, Florida.

Lakeland, Polk County, FL · Lakeland-Winter Haven, FL metro · population 29,321

What it costs per month · 33803 $1,502/mo

to buy the typical home at today's mortgage rate — +$805 (+116%) since Jan 2020.

What the home itself did
1 year
Down $4,296 -1%
$290,429$286,133 since Sep 2025
5 years
Up $39,651 +16%
$246,482$286,133 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 33803 $1,502 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 33803$1,502
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 23 years.

Typical home values in zip 33803 fell 1.5% over the past year — slower than the nation's +1.2%.

Asking rents in zip 33803 rose 1.1% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 33803 runs $369/mo more than renting one. The gap peaked at $646 in Oct 2023.

That is $1,981 a month against $1,612 rent: a $1,502 mortgage payment, plus $173 property tax and $306 insurance & upkeep.

Owning vs renting — zip 33803

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,000 $1,500 $2,000 2022 2023 2024 2025 2026 Owning all in $1,981 Renting $1,612 Mortgage only $1,502
$1,000 $1,500 $2,000 2022 2024 2026
  • Owning all in$1,981
  • Renting$1,612
  • Mortgage only$1,502

Property tax · $173/mo 0.73% of value a year — the ACS 2020-2024 median bill over the median home value for Polk County, FL

Insurance & upkeep · $306/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Lakeland, FL — measured over the city limits, which is a different area from this zip.

Asking rent $1,612 as of Sep 2026
+1.1%year on year
Typical home value $286,133 as of Sep 2026
-1.5%year on year

Asking rent — 33803

Against the Lakeland-Winter Haven, FL metro and the national benchmark.

$1,500 $1,600 $1,700 $1,800 $1,900 2022 2023 2024 2025 2026 33803 $1,612 Lakeland $1,814 United States $1,932
$1,500 $1,600 $1,700 $1,800 $1,900 2022 2024 2026
  • 33803$1,612
  • Lakeland$1,814
  • United States$1,932

Typical home value — 33803

Mid-tier homes, smoothed and seasonally adjusted.

$150,000 $200,000 $250,000 $300,000 $350,000 2018 2020 2022 2024 2026 33803 $286,133 Lakeland $295,502 United States $366,157
$150,000 $200,000 $250,000 $300,000 $350,000 2018 2022 2026
  • 33803$286,133
  • Lakeland$295,502
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
1.9 33840 Eaton Park — — $188,977
3.3 33801 Lakeland 35,394 $1,459 $231,486
3.6 33812 Lakeland 16,169 $1,977 $373,215
4.2 33813 Lakeland 38,674 $2,072 $368,970
4.3 33815 Lakeland 13,975 $1,701 $181,389
5.4 33811 Lakeland 29,472 $2,125 $334,737
6.3 33805 Lakeland 28,751 $1,484 $229,319
9.4 33823 Auburndale 41,779 $1,740 $303,989
9.9 33880 Winter Haven 43,371 $1,477 $250,810
10.5 33810 Lakeland 55,137 $2,076 $315,049
11.1 33566 Plant City 24,521 $1,792 $360,507
11.4 33839 Eagle Lake 4,561 $2,000 $283,561
11.6 33563 Plant City 25,896 $1,584 $277,289
11.8 33830 Bartow 33,740 $1,818 $274,934
12.8 33567 Plant City 12,562 — $386,505
13.5 33809 Lakeland 30,797 $1,615 $310,626
14.5 33565 Plant City 18,108 $2,358 $394,961
14.5 33860 Mulberry 24,892 $1,772 $284,623
14.6 33850 Lake Alfred 9,757 $2,110 $305,936
14.7 33881 Winter Haven 40,808 $1,756 $262,602
16.0 33884 Winter Haven 37,561 $1,826 $295,079
16.6 33849 Kathleen 851 — $389,385
17.1 33527 Dover 17,364 $1,650 $438,892
18.1 33868 Polk City 13,827 — $247,705
19.0 33851 Lake Hamilton 1,212 — $309,006
19.3 33594 Valrico 37,361 $2,398 $365,991
19.5 33540 Zephyrhills 11,390 $2,295 $328,195
19.9 33838 Dundee 5,688 — $263,897

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.