34759
Poinciana, Florida.
Poinciana, Polk County, FL · Lakeland-Winter Haven, FL metro · population 44,568
to buy the typical home at today's mortgage rate — +$714 (+97%) since Jan 2020.
- 1 year
- Down $10,955 -4%
- $287,221$276,266 since Sep 2025
- 5 years
- Up $21,523 +8%
- $254,743$276,266 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.
- 34759$1,450
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 43 years.
Typical home values in zip 34759 fell 3.8% over the past year — slower than the nation's +1.2%.
Asking rents in zip 34759 rose 1.6% over the past year — slower than the nation's +2.7%.
Owning the typical home in zip 34759 runs $9/mo more than renting one. The gap peaked at $453 in Oct 2023.
That is $1,916 a month against $1,907 rent: a $1,450 mortgage payment, plus $170 property tax and $296 insurance & upkeep.
Owning vs renting — zip 34759
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.
- Owning all in$1,916
- Renting$1,907
- Mortgage only$1,450
Property tax · $170/mo 0.74% of value a year — the ACS 2020-2024 median bill over the median home value for 2 counties
Insurance & upkeep · $296/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.
This zip spans 2 counties: Polk County, FL 65% · Osceola County, FL 35%
Zillow also publishes an index for the city itself: Poinciana, FL — measured over the city limits, which is a different area from this zip.
Asking rent — 34759
Against the Lakeland-Winter Haven, FL metro and the national benchmark.
- 34759$1,907
- Lakeland$1,814
- United States$1,932
Typical home value — 34759
Mid-tier homes, smoothed and seasonally adjusted.
- 34759$276,266
- Lakeland$295,502
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 7.6 | 34758 | Kissimmee | 46,768 | $1,966 | $306,843 |
| 9.1 | 33844 | Haines City | 51,255 | $2,079 | $292,346 |
| 10.5 | 34746 | Kissimmee | 60,595 | $2,112 | $357,259 |
| 11.3 | 34772 | Saint Cloud | 35,390 | $2,276 | $393,755 |
| 11.6 | 33837 | Davenport | 47,389 | $2,049 | $335,349 |
| 11.6 | 33838 | Dundee | 5,688 | — | $263,897 |
| 12.0 | 33851 | Lake Hamilton | 1,212 | — | $309,006 |
| 13.5 | 33848 | Intercession City | 638 | — | $206,651 |
| 13.6 | 33896 | Davenport | 26,731 | $1,793 | $352,098 |
| 13.7 | 34769 | Saint Cloud | 30,204 | $1,905 | $312,753 |
| 14.8 | 34741 | Kissimmee | 58,716 | $1,765 | $283,527 |
| 15.2 | 34744 | Kissimmee | 66,582 | $2,056 | $380,234 |
| 16.0 | 33853 | Lake Wales | 12,674 | $1,512 | $219,472 |
| 16.2 | 33881 | Winter Haven | 40,808 | $1,756 | $262,602 |
| 16.3 | 33854 | Lakeshore | 781 | — | $88,117 |
| 16.6 | 33884 | Winter Haven | 37,561 | $1,826 | $295,079 |
| 17.3 | 34743 | Kissimmee | 40,030 | $2,073 | $336,607 |
| 17.8 | 34747 | Kissimmee | 30,859 | $1,955 | $399,304 |
| 18.0 | 33850 | Lake Alfred | 9,757 | $2,110 | $305,936 |
| 18.2 | 33898 | Lake Wales | 18,527 | $1,565 | $247,734 |
| 18.5 | 33859 | Lake Wales | 11,824 | $1,722 | $270,837 |
| 19.7 | 33827 | Babson Park | 2,431 | — | $302,194 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.