In Haines City, a typical home is worth $288,900 and typical rent is $1,224 a month. Compared with all of Polk County, typical rent is 10% lower and the typical home value is 8% higher.
Typical home value from Zillow, September 2021 to September 2026: from $255,462 to $292,902.
Typical rent
$2,011a month
▲ 4% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,544 to $2,011.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Haines City 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
Nearby, in Lake Alfred, the typical home value is $239,900: 17% less than in Haines City ($288,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Haines City
What homes there are in Haines City, 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
Haines City
Polk County
Florida
United States
Kind of home: Haines City and its comparisons
Measure
Haines City
Polk County
Florida
United States
Detached house
72%
62%
55%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
7%
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%
The detached house rules in Haines City: 72% of homes, more than in Polk County (62%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Haines City
Polk County
Florida
United States
Year built: Haines City and its comparisons
Measure
Haines City
Polk County
Florida
United States
Before 1960
11%
10%
10%
26%
1960–1979
10%
20%
24%
24%
1980–1999
21%
31%
34%
25%
2000–2009
26%
21%
18%
14%
2010 or later
33%
18%
14%
11%
Here half of the homes date from 2003 or later; in Polk County, from 1992 or later.
Homes in Haines City are bigger: 71% have 3 bedrooms or more; in Polk County, 61%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K16%
$100K–$200K12%
$200K–$300K26%
$300K–$500K40%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Haines City and its comparisons
Measure
Haines City
Under $100K
16%
$100K–$200K
12%
$200K–$300K
26%
$300K–$500K
40%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 94% of owner-occupied homes in Haines City sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99924%
$1,000–$1,49935%
$1,500–$1,99913%
$2,000–$2,49917%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Haines City and its comparisons
Measure
Haines City
Under $500
Unreliable estimate
$500–$999
24%
$1,000–$1,499
35%
$1,500–$1,999
13%
$2,000–$2,499
17%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,008 a month
Polk County: $1,716 a month
Without a mortgage
$692 a month
Polk County: $545 a month
Owners with a mortgage
61%
Polk County: 56%
Owning costs more in Haines City: with a mortgage, the typical cost is $2,008 a month; in Polk County, $1,716. Without one, $692.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Haines City+104%
Polk County+77%
Florida+67%
United States+53%
Typical rent
Haines City+20%
Polk County+39%
Florida+42%
United States+33%
Typical household income
Haines City+49%
Polk County+30%
Florida+34%
United States+29%
Change since 2015–2019: Haines City and its comparisons
Measure
Haines City
Polk County
Florida
United States
Typical home value
+104%
+77%
+67%
+53%
Typical rent
+20%
+39%
+42%
+33%
Typical household income
+49%
+30%
+34%
+29%
Since 2015–2019, homes in Haines City gained value faster than in Polk County: 104% against 77%.
The typical rent in Haines City rose 20% over the same time; in Polk County, it rose 39%.
The typical household income in Haines City rose 49% over that time; home values changed +104% and rent +20%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Haines City and its comparisons
Measure
Haines City
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
3.6%
3.4%
3.3%
3.4%
People per household
2.95
2.68
2.51
2.53
Drive alone
79%
75%
70%
69%
Carpool
7%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
10%
12%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 3.6% of households in Haines City live, near the figure in Polk County (3.4%).
Households in Haines City are bigger: 2.95 people on average; in Polk County, 2.68.
In Haines City, 79% of workers drive alone to work; in Polk County, 75%.
Do the math
What would you pay each month for a home in Haines City?
A typical home costs more than the typical income allows
We start with a typical home in Haines City, worth $288,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Haines City, which is $65,975 a year. For that payment to be 28% of income, a household would need to earn about $104,238 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 Haines City. 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 $10,112 (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
$2,432
at 7.18% · 30 years
Loan amount
$283,667
Total interest
$408,130
Paid off in
November 2056
Includes $4,879 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,539 a month
Tight
$1,539 to $1,979 a month
Hard
more than $1,979 a month
Your payment · 44%
Compared with the typical household income in Haines City ($65,975 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,922
Property tax
$262
Home insurance
$120
FHA mortgage insurance (MIP)
$128
You need at least $10,112 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 $2,432; principal and interest $1,922.
The city and its county
Haines City and Polk County
Haines City 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).
Haines City
Map of Polk County, Florida, with Haines City marked. Around it, the neighboring counties.
Haines City
Polk County
Other cities with a page
Haines City's own numbers
Typical home value
$288,900
Typical monthly rent
$1,224
Typical yearly household income
$65,975
Households that own their home
71%
Effective property tax rate
1.09%
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 Haines City is worth $288,900: 8% above the county and 20% below Florida. With the typical household income in Haines City ($65,975 a year), a typical home costs 4.4 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.
Haines City4.4 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
Haines City 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
Haines City$288,900
Polk$266,500
Florida$359,000
United States$332,700
Typical monthly rent
Haines City$1,224
Polk$1,363
Florida$1,669
United States$1,413
Typical yearly household income
Haines City$65,975
Polk$65,978
Florida$74,568
United States$80,734
See the full table
Haines City next to Polk County and Florida
Measure
Haines City
Polk County
Florida
U.S.
Typical home value
$288,900 ▲8% above the county
$266,500
$359,000
$332,700
Typical monthly rent
$1,224 ▼10% below the county
$1,363
$1,669
$1,413
Typical yearly household income
$65,975
$65,978
$74,568
$80,734
Households that own their home
71%
70%
68%
65%
Typical yearly property tax
$3,153 ▲63% above the county
$1,933
$2,730
$3,119
Effective property tax rate
1.09% ▲0.36 points above the county
0.73%
0.76%
0.94%
Renters with high rent for their income
57% ▲3 points above 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 Haines City
For a typical $288,900 home in Haines City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Haines City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,432a month
Least cash to close
Down payment
$10,112
Cash to close
$18,779
Rate
7.18%
Mortgage insurance
FHA MIP · $128
Conventional, 5% down$2,379a month
Down payment
$14,445
Cash to close
$23,112
Rate
7.18%
Mortgage insurance
PMI · $137
Conventional, 20% down, no PMI$1,948a month
Down payment
$57,780
Cash to close
$66,447
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,216a month
Down payment
$43,335
Cash to close
$52,002
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Haines City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,432
$10,112
$283,667
7.18%
FHA MIP · $128
$18,779
580
Conventional, 5% down
$2,379
$14,445
$274,455
7.18%
PMI · $137
$23,112
620*
Conventional, 20% down, no PMI
$1,948
$57,780
$231,120
7.18%
None
$66,447
620*
ITIN, 15% down (example)
$2,216
$43,335
$245,565
8.18%
None
$52,002
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 Haines City is $1,224 a month: 10% below the county. In Haines City, 57% 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 Haines City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Haines City is in ZIP code 33844.
For 2 bedrooms it is $1,450: $158 less than the fair market rent for Polk County ($1,608).
Fair market rent by ZIP code and size in Haines City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
33844
$1,130
$1,210
$1,450
$1,990
$2,420
ZIP code2 bd3 bd
33844 $1,450$1,990
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Haines City 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 Haines City or Polk County. The ones below are statewide in Florida: they work in Haines City 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.
No legal help resource on our list is for Haines City 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 Haines City 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 Haines City?
The typical home value in Haines City is $288,900, 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 Haines City?
Typical rent in Haines City is $1,224 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 Haines City?
Haines City 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 Haines City?
The typical homeowner in Haines City pays $3,153 a year, according to the U.S. Census Bureau. That is 1.09% of the home’s value; in Polk County, the rate is 0.73%.
Where can I find free help to buy or rent in Haines City?
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.
