In Crystal Lake, a typical home is worth $205,600 and typical rent is $1,181 a month. Compared with all of Polk County, typical household income is 25% lower, the typical home value is 23% lower, and the share of households that own their home is 24 points lower.
Crystal Lake 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
What this place has that others do not, from public data, most unusual first.
1
46% of households in Crystal Lake own their home, against 70% in Polk County.
2
Nearby, in Fussels Corner, the typical home value is $92,100: 55% less than in Crystal Lake ($205,600).
3
Nearby, in Fussels Corner, the typical rent is $937: 21% less than in Crystal Lake ($1,181).
4
The typical household income in Crystal Lake is $49,424,25% less than in Polk County as a whole ($65,978).
5
The typical home in Crystal Lake is worth $205,600,23% less than in Polk County as a whole ($266,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Crystal Lake
What homes there are in Crystal Lake, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Crystal Lake
Polk County
Florida
United States
Kind of home: Crystal Lake and its comparisons
Measure
Crystal Lake
Polk County
Florida
United States
Detached house
49%
62%
55%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
24%
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
9%
25%
19%
Mobile home
22%
20%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Homes in Crystal Lake are varied: detached houses are the largest group, at 49%, against 62% in Polk County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Crystal Lake
Polk County
Florida
United States
Year built: Crystal Lake and its comparisons
Measure
Crystal Lake
Polk County
Florida
United States
Before 1960
29%
10%
10%
26%
1960–1979
35%
20%
24%
24%
1980–1999
33%
31%
34%
25%
2000–2009
Unreliable estimate
21%
18%
14%
2010 or later
Unreliable estimate
18%
14%
11%
Homes in Crystal Lake are older: the typical year built is 1974; in Polk County, 1992.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K49%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Crystal Lake and its comparisons
Measure
Crystal Lake
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
49%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99928%
$1,000–$1,49952%
$1,500–$1,99920%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Crystal Lake and its comparisons
Measure
Crystal Lake
Under $500
Unreliable
$500–$999
28%
$1,000–$1,499
52%
$1,500–$1,999
20%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,192 a month
Polk County: $1,716 a month
Without a mortgage
$369 a month
Polk County: $545 a month
Owners with a mortgage
56%
Polk County: 56%
In Crystal Lake, 56% of owners have a mortgage, and their typical cost is $1,192 a month, against $1,716 in Polk County. Without one it drops to $369.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Crystal Lake+148%
Polk County+77%
Florida+67%
United States+53%
Typical rent
Crystal Lake+29%
Polk County+39%
Florida+42%
United States+33%
Typical household income
Crystal Lake+51%
Polk County+30%
Florida+34%
United States+29%
Change since 2015–2019: Crystal Lake and its comparisons
Measure
Crystal Lake
Polk County
Florida
United States
Typical home value
+148%
+77%
+67%
+53%
Typical rent
+29%
+39%
+42%
+33%
Typical household income
+51%
+30%
+34%
+29%
The typical home value in Crystal Lake rose 148% since 2015–2019, more than in Polk County (77%).
The typical rent in Crystal Lake rose 29% over the same time; in Polk County, it rose 39%.
The typical household income in Crystal Lake rose 51% over that time; home values changed +148% and rent +29%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Crystal Lake and its comparisons
Measure
Crystal Lake
Polk County
Florida
United States
Rental vacancy
Unreliable estimate
5.1%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.4%
0.9%
More than one person per room
Unreliable estimate
3.4%
3.3%
3.4%
People per household
2.63
2.68
2.51
2.53
Drive alone
74%
75%
70%
69%
Carpool
10%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
12%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Crystal Lake look like those in Polk County: 2.63 people on average.
To get to work, 74% of workers in Crystal Lake drive alone; in Polk County, 75%.
Do the math
What would you pay each month for a home in Crystal Lake?
A typical home costs more than the typical income allows
We start with a typical home in Crystal Lake, worth $205,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Crystal Lake, which is $49,424 a year. For that payment to be 28% of income, a household would need to earn about $70,732 a year.
The calculator's FHA and conventional loan limits are those of all of Polk County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Crystal Lake. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,196 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,650
at 7.18% · 30 years
Loan amount
$201,876
Total interest
$290,452
Paid off in
November 2056
Includes $3,472 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,153 a month
Tight
$1,153 to $1,483 a month
Hard
more than $1,483 a month
Your payment · 40%
Compared with the typical household income in Crystal Lake ($49,424 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,368
Property tax
$106
Home insurance
$86
FHA mortgage insurance (MIP)
$91
You need at least $7,196 for the down payment, plus closing costs.
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.
Total monthly payment $1,650; principal and interest $1,368.
The city and its county
Crystal Lake and Polk County
Crystal Lake 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).
Crystal Lake
Map of Polk County, Florida, with Crystal Lake marked. Around it, the neighboring counties.
Crystal Lake
Polk County
Other cities with a page
Crystal Lake's own numbers
Typical home value
$205,600
Typical monthly rent
$1,181
Typical yearly household income
$49,424
Households that own their home
46%
Effective property tax rate
0.62%
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.
A typical home in Crystal Lake is worth $205,600: 23% below the county and 43% below Florida. With the typical household income in Crystal Lake ($49,424 a year), a typical home costs 4.2 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.
Crystal Lake4.2 years
Polk4.0 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Polk County, 2016 to 2025
2016: +8.8% +8.8% 2016
2017: +9.9% +9.9% 2017
2018: +10.8% +10.8% 2018
2019: +7.0% +7.0% 2019
2020: +7.2% +7.2% 2020
2021: +16.6% +16.6% 2021
2022: +23.5% +23.5% 2022
2023: +8.6% +8.6% 2023
2024: +2.4% +2.4% 2024
2025: −1.2% −1.2% 2025
Change in FHFA’s price index in Polk County, Florida and the United States
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
Crystal Lake 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
Crystal Lake$205,600
Polk$266,500
Florida$359,000
United States$332,700
Typical monthly rent
Crystal Lake$1,181
Polk$1,363
Florida$1,669
United States$1,413
Typical yearly household income
Crystal Lake$49,424
Polk$65,978
Florida$74,568
United States$80,734
See the full table
Crystal Lake next to Polk County and Florida
Measure
Crystal Lake
Polk County
Florida
U.S.
Typical home value
$205,600 ▼23% below the county
$266,500
$359,000
$332,700
Typical monthly rent
$1,181 ▼13% below the county
$1,363
$1,669
$1,413
Typical yearly household income
$49,424 ▼25% below the county
$65,978
$74,568
$80,734
Households that own their home
46% ▼24 points below the county
70%
68%
65%
Typical yearly property tax
$1,284 ▼34% below the county
$1,933
$2,730
$3,119
Effective property tax rate
0.62% ▼0.11 points below the county
0.73%
0.76%
0.94%
Renters with high rent for their income
53% ▼2 points below the county
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 Crystal Lake
For a typical $205,600 home in Crystal Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Crystal Lake's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,650a month
Least cash to close
Down payment
$7,196
Cash to close
$13,364
Rate
7.18%
Mortgage insurance
FHA MIP · $91
Conventional, 5% down$1,613a month
Down payment
$10,280
Cash to close
$16,448
Rate
7.18%
Mortgage insurance
PMI · $98
Conventional, 20% down, no PMI$1,306a month
Down payment
$41,120
Cash to close
$47,288
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,496a month
Down payment
$30,840
Cash to close
$37,008
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Crystal Lake
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,650
$7,196
$201,876
7.18%
FHA MIP · $91
$13,364
580
Conventional, 5% down
$1,613
$10,280
$195,320
7.18%
PMI · $98
$16,448
620*
Conventional, 20% down, no PMI
$1,306
$41,120
$164,480
7.18%
None
$47,288
620*
ITIN, 15% down (example)
$1,496
$30,840
$174,760
8.18%
None
$37,008
Set by the lender
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.
Typical rent in Crystal Lake is $1,181 a month: 13% below the county. In Crystal Lake, 53% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Polk County (Fiscal year 2027)
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 Crystal Lake
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Crystal Lake is in ZIP code 33801.
For 2 bedrooms it is $1,560: $48 less than the fair market rent for Polk County ($1,608).
Fair market rent by ZIP code and size in Crystal Lake, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
33801
$1,220
$1,300
$1,560
$2,150
$2,610
ZIP code2 bd3 bd
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 Crystal Lake 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Crystal Lake or Polk County. The ones below are statewide in Florida: they work in Crystal Lake the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of Crystal Lake, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
HN
Housing and Neighborhood Development Services of Central Florida, Inc.
No legal help resource on our list is for Crystal Lake or Polk County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Crystal Lake 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 Crystal Lake?
The typical home value in Crystal Lake is $205,600, 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 Crystal Lake?
Typical rent in Crystal Lake is $1,181 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 Crystal Lake?
Crystal Lake 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 Crystal Lake?
The typical homeowner in Crystal Lake pays $1,284 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Polk County, the rate is 0.73%.
Where can I find free help to buy or rent in Crystal Lake?
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.
