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City · 5,242 residents · Polk County, Florida

Combee Settlement , Florida

In Combee Settlement, a typical home is worth $195,900 and typical rent is $1,130 a month. Compared with all of Polk County, typical household income is 39% lower, the typical home value is 26% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $195,900

    26% below the county

    45% below Florida

    • Combee Settlement
    • Polk
    • Florida

  • Typical rent

    $1,130a month

    17% below the county

    32% below Florida

    • Combee Settlement
    • Polk
    • Florida

  • Typical household income

    $40,384a year

    39% below the county

    46% below Florida

    • Combee Settlement
    • Polk
    • Florida

  • Households that own their home

    50%

    21 points below the county

    18 points below Florida

    • Combee Settlement
    • Polk
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Combee Settlement is in Polk County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Polk County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Combee Settlement apart

What this place has that others do not, from public data, most unusual first.

  1. Combee Settlement has the 10th lowest typical household income of the 480 cities in Florida with more than 5,000 people ($40,384).

  2. Nearby, in Fussels Corner, the typical home value is $92,100: 53% less than in Combee Settlement ($195,900).

  3. 50% of households in Combee Settlement own their home, against 70% in Polk County.

  4. The typical home in Combee Settlement is worth $195,900, 26% less than in Polk County as a whole ($266,500).

  5. Nearby, in Fussels Corner, the typical rent is $937: 17% less than in Combee Settlement ($1,130).

  6. The typical rent in Combee Settlement is $1,130 a month, 17% less than in Polk County as a whole ($1,363).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Combee Settlement

What homes there are in Combee Settlement, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Combee Settlement, but it weighs less than in Polk County: 58% against 62%.

Year built

The typical home in Combee Settlement was built in 1974, 18 years before the typical one in Polk County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,480 a month

Polk County: $1,716 a month

Without a mortgage

$289 a month

Polk County: $545 a month

Owners with a mortgage

64%

Polk County: 56%

In Combee Settlement, 64% of owners have a mortgage, and their typical cost is $1,480 a month, against $1,716 in Polk County. Without one it drops to $289.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Combee Settlement gained value faster than in Polk County: 142% against 77%.

Since 2015–2019, the typical rent in Combee Settlement rose 29%, less than in Polk County (39%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCombee SettlementPolk CountyFloridaUnited States
Rental vacancy Unreliable estimate5.1%7.6%5.5%
Homeowner vacancy Unreliable estimate1.5%1.4%0.9%
More than one person per room Unreliable estimate3.4%3.3%3.4%
People per household 2.712.682.512.53
Drive alone 81%75%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate12%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Combee Settlement has 2.71 people on average, about the same as in Polk County (2.68).

To get to work, 81% of workers in Combee Settlement drive alone; in Polk County, 75%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Combee Settlement?

A typical home costs more than the typical income allows

We start with a typical home in Combee Settlement, worth $195,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Combee Settlement, which is $40,384 a year. For that payment to be 28% of income, a household would need to earn about $67,325 a year.

The calculator's FHA and conventional loan limits are those of all of Polk County.

Your numbers

Local data
$

Starts at the typical home value in Combee Settlement. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,857 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,571

at 7.18% · 30 years

Loan amount
$192,351
Total interest
$276,748
Paid off in
November 2056

Includes $3,308 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $942 a month

  • Tight

    $942 to $1,212 a month

  • Hard

    more than $1,212 a month

    Your payment · 47%

Compared with the typical household income in Combee Settlement ($40,384 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,571
Principal & interest$1,303
Property tax$100
Home insurance$82
FHA mortgage insurance (MIP)$87

You need at least $6,857 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Combee Settlement and Polk County

Combee Settlement is in Polk County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Combee Settlement's own numbers

Typical home value
$195,900
Typical monthly rent
$1,130
Typical yearly household income
$40,384
Households that own their home
50%
Effective property tax rate
0.61%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Polk County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,608
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
3.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Polk County.

Everything about Polk County

Buying

Buying a home in Combee Settlement

A typical home in Combee Settlement is worth $195,900: 26% below the county and 45% below Florida. With the typical household income in Combee Settlement ($40,384 a year), a typical home costs 4.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Combee Settlement 4.9 years
  • Polk 4.0 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Polk County

According to FHFA’s house price index, home prices in Polk County rose 141% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Polk County.

Period County Florida U.S.
Last year (2025) −1.2% −0.5% +2.9%
5 years (2020–2025) +58% +60% +47%
10 years (2015–2025) +141% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Combee Settlement next to Polk County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Combee Settlement $195,900
  • Polk $266,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Combee Settlement $1,130
  • Polk $1,363
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Combee Settlement $40,384
  • Polk $65,978
  • Florida $74,568
  • United States $80,734
See the full table
Combee Settlement next to Polk County and Florida
Measure Combee Settlement Polk County Florida U.S.
Typical home value $195,900 $266,500 $359,000 $332,700
Typical monthly rent $1,130 $1,363 $1,669 $1,413
Typical yearly household income $40,384 $65,978 $74,568 $80,734
Households that own their home 50% 70% 68% 65%
Typical yearly property tax $1,190 $1,933 $2,730 $3,119
Effective property tax rate 0.61% 0.73% 0.76% 0.94%
Renters with high rent for their income 56% 54% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Polk County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Combee Settlement

For a typical $195,900 home in Combee Settlement, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Combee Settlement's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,571a month

    Least cash to close
    Down payment
    $6,857
    Cash to close
    $12,734
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $87

  • Conventional, 5% down $1,535a month

    Down payment
    $9,795
    Cash to close
    $15,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $93

  • Conventional, 20% down, no PMI $1,243a month

    Down payment
    $39,180
    Cash to close
    $45,057
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,424a month

    Down payment
    $29,385
    Cash to close
    $35,262
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Combee Settlement and for Polk County.

Property tax

Effective rate in Combee Settlement

0.61%of the home’s value each year

$1,190 a year for the typical owner in Combee Settlement.

  • Combee Settlement 0.61%
  • Polk 0.73%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Polk County

FEMA does not publish these numbers by city: they are for all of Polk County.

Homes in the high-risk zone
3.9%
10,707
Of those, with NFIP insurance
37%
County Florida U.S.
Homes in the high-risk zone 3.9% 13% 3.5%
Of those, with NFIP insurance 37% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Combee Settlement

Typical rent in Combee Settlement is $1,130 a month: 17% below the county. In Combee Settlement, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Polk County, by unit size. To pay the 2-bedroom one ($1,608 a month) without spending more than 30% of your income, you would need to earn $30.92 an hour working full time.

HUD fair market rent for all of Polk County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,258 $24.19 $50,320
1 bedroom $1,338 $25.73 $53,520
2 bedrooms $1,608 $30.92 $64,320
3 bedrooms $2,212 $42.54 $88,480
4 bedrooms $2,688 $51.69 $107,520

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Combee Settlement

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Combee Settlement is in ZIP code 33801.

For 2 bedrooms it is $1,560: $48 less than the fair market rent for Polk County ($1,608).

  • 33801 $1,560$2,150

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Combee Settlement when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Combee Settlement

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Polk County; 1 says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Combee Settlement

No down payment, repair or rent-help program on our list is for Combee Settlement or Polk County. The ones below are statewide in Florida: they work in Combee Settlement the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Combee Settlement

The HUD-approved agencies closest to the center of Combee Settlement, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing and Neighborhood Development Services of Central Florida, Inc.

    825 E Main St, Lakeland · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (863) 682-1025

  • Operation Hope- Tampa

    2208 E Fowler Ave, Tampa · 32 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (813) 867-9658

  • Solita's House Inc

    1029 E Hillsborough Ave, Tampa · 33 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (813) 425-4847

Every agency in Polk County All counseling agencies in Florida

Help in Spanish near Combee Settlement

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Combee Settlement

In HUD’s record, no housing authority with an office in Polk County is named for Combee Settlement or Polk County.

5 other authorities have an office in Polk County: see the list Source: HUD

Cities

Other cities in Polk County

These cities are also in Polk County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Polk County Housing in Florida
See 11 more cities in Polk County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Combee Settlement, with the typical home value.

Neighboring counties

If Polk County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Combee Settlement.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Combee Settlement

Short answers with the numbers for Combee Settlement and all of Polk County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Combee Settlement?

The typical home value in Combee Settlement is $195,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Polk County it is $266,500.

How much does it cost to rent in Combee Settlement?

Typical rent in Combee Settlement is $1,130 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Polk County is $1,608.

What is the FHA loan limit in Combee Settlement?

Combee Settlement uses the FHA limit for all of Polk County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Combee Settlement?

The typical homeowner in Combee Settlement pays $1,190 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Polk County, the rate is 0.73%.

Where can I find free help to buy or rent in Combee Settlement?

There is 1 HUD-approved counseling agency with an office in Polk County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).