Zip lookup · FL

33860
Mulberry, Florida.

Mulberry, Polk County, FL · Lakeland-Winter Haven, FL metro · population 24,892

What it costs per month · 33860 $1,494/mo

to buy the typical home at today's mortgage rate — +$806 (+117%) since Jan 2020.

What the home itself did
1 year
Down $3,293 -1%
$287,915$284,623 since Sep 2025
5 years
Up $43,870 +18%
$240,752$284,623 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 33860 $1,494 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 33860$1,494
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 21 years.

Typical home values in zip 33860 fell 1.1% over the past year — slower than the nation's +1.2%.

Asking rents in zip 33860 rose 0.4% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 33860 runs $199/mo more than renting one. The gap peaked at $471 in Oct 2023.

That is $1,971 a month against $1,772 rent: a $1,494 mortgage payment, plus $172 property tax and $305 insurance & upkeep.

Owning vs renting — zip 33860

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 $1,971 Renting $1,772 Mortgage only $1,494
$1,000 $1,500 $2,000 2022 2024 2026
  • Owning all in$1,971
  • Renting$1,772
  • Mortgage only$1,494

Property tax · $172/mo 0.73% of value a year — the ACS 2020-2024 median bill over the median home value for 2 counties

Insurance & upkeep · $305/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 99% · Hillsborough County, FL 1%

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

Asking rent $1,772 as of Sep 2026
+0.4%year on year
Typical home value $284,623 as of Sep 2026
-1.1%year on year

Asking rent — 33860

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 33860 $1,772 Lakeland $1,814 United States $1,932
$1,500 $1,600 $1,700 $1,800 $1,900 2022 2024 2026
  • 33860$1,772
  • Lakeland$1,814
  • United States$1,932

Typical home value — 33860

Mid-tier homes, smoothed and seasonally adjusted.

$150,000 $200,000 $250,000 $300,000 $350,000 2018 2020 2022 2024 2026 33860 $284,623 Lakeland $295,502 United States $366,157
$150,000 $200,000 $250,000 $300,000 $350,000 2018 2022 2026
  • 33860$284,623
  • Lakeland$295,502
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
9.0 33547 Lithia 31,431 $2,460 $516,420
10.7 33813 Lakeland 38,674 $2,072 $368,970
11.1 33567 Plant City 12,562 — $386,505
12.1 33811 Lakeland 29,472 $2,125 $334,737
12.7 33830 Bartow 33,740 $1,818 $274,934
13.1 33834 Bowling Green 6,188 — $197,267
13.1 33812 Lakeland 16,169 $1,977 $373,215
14.5 33803 Lakeland 29,321 $1,612 $286,133
14.7 33841 Fort Meade 8,005 — $225,964
14.9 33566 Plant City 24,521 $1,792 $360,507
15.1 33840 Eaton Park — — $188,977
15.8 33596 Valrico 27,757 $2,796 $456,593
16.2 33815 Lakeland 13,975 $1,701 $181,389
16.6 33563 Plant City 25,896 $1,584 $277,289
17.3 33801 Lakeland 35,394 $1,459 $231,486
17.7 33579 Riverview 49,470 $2,542 $383,778
17.7 33594 Valrico 37,361 $2,398 $365,991
17.8 33527 Dover 17,364 $1,650 $438,892
18.3 33569 Riverview 27,867 $2,417 $389,725
18.6 33880 Winter Haven 43,371 $1,477 $250,810
18.8 33839 Eagle Lake 4,561 $2,000 $283,561
19.6 33598 Wimauma 32,820 $2,297 $344,205
19.6 33511 Brandon 62,138 $1,704 $360,338

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