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City · 13,238 residents · Polk County, Florida

Davenport , Florida

In Davenport, a typical home is worth $333,300. Compared with all of Polk County, the typical home value is 25% higher, typical household income is 12% higher, and the share of households that own their home is 19 points higher.

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  • Typical home value

    $333,300

    25% above the county

    7% below Florida

    • Davenport
    • Polk
    • Florida

  • Typical household income

    $73,685a year

    12% above the county

    About the same as Florida

    • Davenport
    • Polk
    • Florida

  • Households that own their home

    89%

    19 points above the county

    22 points above Florida

    • Davenport
    • Polk
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$339,332
3.3% less than 12 months ago
Typical rent
$1,978 a month
1.2% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Davenport 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 Davenport apart

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

  1. 89% of households in Davenport own their home, against 70% in Polk County.

  2. Nearby, in Lake Alfred, the typical home value is $239,900: 28% less than in Davenport ($333,300).

  3. The typical home in Davenport is worth $333,300, 25% more than in Polk County as a whole ($266,500).

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

The homes here

Housing in Davenport

What homes there are in Davenport, 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

In Davenport, 8 in 10 homes are single-family detached houses; in Polk County, 6.

Year built

Homes in Davenport are newer: the typical year built is 2015; in Polk County, 1992.

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

$2,045 a month

Polk County: $1,716 a month

Without a mortgage

$512 a month

Polk County: $545 a month

Owners with a mortgage

87%

Polk County: 56%

In Davenport, 87% of owners have a mortgage, and their typical cost is $2,045 a month, against $1,716 in Polk County. Without one it drops to $512.

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

From 2015–2019 to 2020–2024, the typical home value in Davenport rose 91%; in Polk County, it rose 77%.

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

MeasureDavenportPolk 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 3.382.682.512.53
Drive alone 80%75%70%69%
Carpool 7%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 13%12%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Davenport has 3.38 people, more than in Polk County (2.68).

To get to work, 80% of workers in Davenport 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 Davenport?

A typical home costs more than the typical income allows

We start with a typical home in Davenport, worth $333,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Davenport, which is $73,685 a year. For that payment to be 28% of income, a household would need to earn about $119,663 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 Davenport. 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 $11,666 (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

$2,792

at 7.18% · 30 years

Loan amount
$327,263
Total interest
$470,854
Paid off in
November 2056

Includes $5,629 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,719 a month

  • Tight

    $1,719 to $2,211 a month

  • Hard

    more than $2,211 a month

    Your payment · 45%

Compared with the typical household income in Davenport ($73,685 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,792
Principal & interest$2,217
Property tax$289
Home insurance$139
FHA mortgage insurance (MIP)$147

You need at least $11,666 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

Davenport and Polk County

Davenport 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).

Davenport's own numbers

Typical home value
$333,300
Typical yearly household income
$73,685
Households that own their home
89%
Effective property tax rate
1.04%

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 Davenport

A typical home in Davenport is worth $333,300: 25% above the county and 7% below Florida. With the typical household income in Davenport ($73,685 a year), a typical home costs 4.5 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.

  • Davenport 4.5 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

Davenport 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
  • Davenport $333,300
  • Polk $266,500
  • Florida $359,000
  • United States $332,700
Typical yearly household income
  • Davenport $73,685
  • Polk $65,978
  • Florida $74,568
  • United States $80,734
See the full table
Davenport next to Polk County and Florida
Measure Davenport Polk County Florida U.S.
Typical home value $333,300 $266,500 $359,000 $332,700
Typical yearly household income $73,685 $65,978 $74,568 $80,734
Households that own their home 89% 70% 68% 65%
Typical yearly property tax $3,457 $1,933 $2,730 $3,119
Effective property tax rate 1.04% 0.73% 0.76% 0.94%
Renters with high rent for their income 66% 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 Davenport

For a typical $333,300 home in Davenport, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Davenport's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,792a month

    Least cash to close
    Down payment
    $11,666
    Cash to close
    $21,665
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $147

  • Conventional, 5% down $2,731a month

    Down payment
    $16,665
    Cash to close
    $26,664
    Rate
    7.18%
    Mortgage insurance
    PMI · $158

  • Conventional, 20% down, no PMI $2,234a month

    Down payment
    $66,660
    Cash to close
    $76,659
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,542a month

    Down payment
    $49,995
    Cash to close
    $59,994
    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 Davenport and for Polk County.

Property tax

Effective rate in Davenport

1.04%of the home’s value each year

$3,457 a year for the typical owner in Davenport.

  • Davenport 1.04%
  • 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 Davenport

The Census Bureau publishes no typical rent for Davenport. Below are the fair market rents for Polk County. In Davenport, 66% 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 Davenport

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Davenport is in ZIP code 33837.

For 2 bedrooms it is $2,110: $502 more than the fair market rent for Polk County ($1,608).

  • 33837 $2,110$2,900

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Davenport 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 Davenport

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 leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Davenport

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Davenport

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

  • Community Legal Services of Mid-Florida, Inc. - Kissimmee Office

    800 N Main St, Kissimmee · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • University of Florida/Florida Cooperative Extension - Osceola County Cooperative Extension Service

    1921 Kissimmee Valley Ln, Kissimmee · 16 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (321) 697-3000

  • Incharge Debt Solutions

    5750 Major Blvd, Orlando · 23 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (877) 712-6040

Every agency in Polk County All counseling agencies in Florida

Help in Spanish near Davenport

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 Davenport

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

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Davenport

Short answers with the numbers for Davenport 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 Davenport?

The typical home value in Davenport is $333,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Polk County it is $266,500.

What is the FHA loan limit in Davenport?

Davenport 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 Davenport?

The typical homeowner in Davenport pays $3,457 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Polk County, the rate is 0.73%.

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

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).