In Fuller Heights, a typical home is worth $278,000 and typical rent is $1,444 a month. Compared with all of Polk County, typical household income is 24% higher and typical rent is 6% higher.
Fuller Heights 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
Fuller Heights has the 21st smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (44%).
2
Nearby, in Willow Oak, the typical rent is $1,117: 23% less than in Fuller Heights ($1,444).
3
The typical household income in Fuller Heights is $82,006,24% more than in Polk County as a whole ($65,978).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fuller Heights
What homes there are in Fuller Heights, 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
Fuller Heights
Polk County
Florida
United States
Kind of home: Fuller Heights and its comparisons
Measure
Fuller Heights
Polk County
Florida
United States
Detached house
67%
62%
55%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
Unreliable estimate
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
9%
25%
19%
Mobile home
13%
20%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 67% of homes here, against 62% in Polk County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Fuller Heights
Polk County
Florida
United States
Year built: Fuller Heights and its comparisons
Measure
Fuller Heights
Polk County
Florida
United States
Before 1960
Unreliable estimate
10%
10%
26%
1960–1979
24%
20%
24%
24%
1980–1999
37%
31%
34%
25%
2000–2009
20%
21%
18%
14%
2010 or later
17%
18%
14%
11%
In Fuller Heights, half of the homes were built before 1993; in Polk County, before 1992.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K14%
$200K–$300K45%
$300K–$500K35%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fuller Heights and its comparisons
Measure
Fuller Heights
Under $100K
Unreliable estimate
$100K–$200K
14%
$200K–$300K
45%
$300K–$500K
35%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49945%
$1,500–$1,99925%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fuller Heights and its comparisons
Measure
Fuller Heights
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
45%
$1,500–$1,999
25%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,594 a month
Polk County: $1,716 a month
Without a mortgage
$567 a month
Polk County: $545 a month
Owners with a mortgage
74%
Polk County: 56%
In Fuller Heights, 74% of owners have a mortgage, and their typical cost is $1,594 a month, against $1,716 in Polk County. Without one it drops to $567.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fuller HeightsBoundaries changed
Polk County+77%
Florida+67%
United States+53%
Typical rent
Fuller HeightsBoundaries changed
Polk County+39%
Florida+42%
United States+33%
Typical household income
Fuller HeightsBoundaries changed
Polk County+30%
Florida+34%
United States+29%
Change since 2015–2019: Fuller Heights and its comparisons
Measure
Fuller Heights
Polk County
Florida
United States
Typical home value
Boundaries changed
+77%
+67%
+53%
Typical rent
Boundaries changed
+39%
+42%
+33%
Typical household income
Boundaries changed
+30%
+34%
+29%
Fuller Heights does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Polk County the typical home value rose 77%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fuller Heights and its comparisons
Measure
Fuller Heights
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
2.67
2.68
2.51
2.53
Drive alone
70%
75%
70%
69%
Carpool
11%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
13%
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 Fuller Heights look like those in Polk County: 2.67 people on average.
The car rules in Fuller Heights: 70% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Fuller Heights?
A typical home is tight for the typical income
We start with a typical home in Fuller Heights, worth $278,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Fuller Heights, which is $82,006 a year. For that payment to be 28% of income, a household would need to earn about $95,937 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 Fuller Heights. 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 $9,730 (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
$2,239
at 7.18% · 30 years
Loan amount
$272,965
Total interest
$392,732
Paid off in
November 2056
Includes $4,695 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,913 a month
Tight
$1,913 to $2,460 a month
Your payment · 33%
Hard
more than $2,460 a month
Compared with the typical household income in Fuller Heights ($82,006 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,849
Property tax
$151
Home insurance
$116
FHA mortgage insurance (MIP)
$123
You need at least $9,730 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 $2,239; principal and interest $1,849.
The city and its county
Fuller Heights and Polk County
Fuller Heights 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).
Fuller Heights
Map of Polk County, Florida, with Fuller Heights marked. Around it, the neighboring counties.
Fuller Heights
Polk County
Other cities with a page
Fuller Heights's own numbers
Typical home value
$278,000
Typical monthly rent
$1,444
Typical yearly household income
$82,006
Households that own their home
71%
Effective property tax rate
0.65%
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 Fuller Heights is worth $278,000: 4% above the county and 23% below Florida. With the typical household income in Fuller Heights ($82,006 a year), a typical home costs 3.4 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.
Fuller Heights3.4 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
Fuller Heights 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
Fuller Heights$278,000
Polk$266,500
Florida$359,000
United States$332,700
Typical monthly rent
Fuller Heights$1,444
Polk$1,363
Florida$1,669
United States$1,413
Typical yearly household income
Fuller Heights$82,006
Polk$65,978
Florida$74,568
United States$80,734
See the full table
Fuller Heights next to Polk County and Florida
Measure
Fuller Heights
Polk County
Florida
U.S.
Typical home value
$278,000 ▲4% above the county
$266,500
$359,000
$332,700
Typical monthly rent
$1,444 ▲6% above the county
$1,363
$1,669
$1,413
Typical yearly household income
$82,006 ▲24% above the county
$65,978
$74,568
$80,734
Households that own their home
71%
70%
68%
65%
Typical yearly property tax
$1,819 ▼6% below the county
$1,933
$2,730
$3,119
Effective property tax rate
0.65% ▼0.08 points below the county
0.73%
0.76%
0.94%
Renters with high rent for their income
44% ▼11 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 Fuller Heights
For a typical $278,000 home in Fuller Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fuller Heights's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,239a month
Least cash to close
Down payment
$9,730
Cash to close
$18,070
Rate
7.18%
Mortgage insurance
FHA MIP · $123
Conventional, 5% down$2,188a month
Down payment
$13,900
Cash to close
$22,240
Rate
7.18%
Mortgage insurance
PMI · $132
Conventional, 20% down, no PMI$1,773a month
Down payment
$55,600
Cash to close
$63,940
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,030a month
Down payment
$41,700
Cash to close
$50,040
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fuller Heights
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,239
$9,730
$272,965
7.18%
FHA MIP · $123
$18,070
580
Conventional, 5% down
$2,188
$13,900
$264,100
7.18%
PMI · $132
$22,240
620*
Conventional, 20% down, no PMI
$1,773
$55,600
$222,400
7.18%
None
$63,940
620*
ITIN, 15% down (example)
$2,030
$41,700
$236,300
8.18%
None
$50,040
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 Fuller Heights is $1,444 a month: 6% above the county. In Fuller Heights, 44% 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 Fuller Heights
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fuller Heights is in ZIP code 33860.
For 2 bedrooms it is $1,470: $138 less than the fair market rent for Polk County ($1,608).
Fair market rent by ZIP code and size in Fuller Heights, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
33860
$1,150
$1,220
$1,470
$2,020
$2,460
ZIP code2 bd3 bd
33860 $1,470$2,020
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fuller Heights 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 Fuller Heights or Polk County. The ones below are statewide in Florida: they work in Fuller Heights 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 Fuller Heights, 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 Fuller Heights 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 Fuller Heights 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 Fuller Heights?
The typical home value in Fuller Heights is $278,000, 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 Fuller Heights?
Typical rent in Fuller Heights is $1,444 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 Fuller Heights?
Fuller Heights 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 Fuller Heights?
The typical homeowner in Fuller Heights pays $1,819 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Polk County, the rate is 0.73%.
Where can I find free help to buy or rent in Fuller Heights?
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.
