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City · 7,201 residents · Polk County, Florida

Kathleen , Florida

In Kathleen, a typical home is worth $203,500 and typical rent is $1,247 a month. Compared with all of Polk County, the typical home value is 24% lower, typical household income is 13% lower, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $203,500

    24% below the county

    43% below Florida

    • Kathleen
    • Polk
    • Florida

  • Typical rent

    $1,247a month

    9% below the county

    25% below Florida

    • Kathleen
    • Polk
    • Florida

  • Typical household income

    $57,097a year

    13% below the county

    23% below Florida

    • Kathleen
    • Polk
    • Florida

  • Households that own their home

    80%

    9 points above the county

    12 points above Florida

    • Kathleen
    • Polk
    • Florida

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

Kathleen 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 Kathleen apart

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

  1. Nearby, in Zephyrhills South, the typical home value is $49,800: 76% less than in Kathleen ($203,500).

  2. Nearby, in Zephyrhills South, the typical rent is $926: 26% less than in Kathleen ($1,247).

  3. The typical home in Kathleen is worth $203,500, 24% less than in Polk County as a whole ($266,500).

  4. 80% of households in Kathleen own their home, against 70% in Polk County.

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

The homes here

Housing in Kathleen

What homes there are in Kathleen, 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

No kind of home is the majority in Kathleen; the largest group, mobile homes, adds up to 52%, against 20% in Polk County.

Year built

The typical year built in Kathleen is 1991, about the same as 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

The FHA limit for Polk County is high ($541,287): at least 95% of owner-occupied homes in Kathleen are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,429 a month

Polk County: $1,716 a month

Without a mortgage

$422 a month

Polk County: $545 a month

Owners with a mortgage

58%

Polk County: 56%

Owning costs less in Kathleen: with a mortgage, the typical cost is $1,429 a month; in Polk County, $1,716. Without one, $422.

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 Kathleen rose 85%; in Polk County, it rose 77%.

Rents in Kathleen rose faster than in Polk County: 48% since 2015–2019, against 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

MeasureKathleenPolk 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 3.072.682.512.53
Drive alone 78%75%70%69%
Carpool 14%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%12%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.07 on average, against 2.68 in Polk County.

In Kathleen, 14% of workers share a car to get to work; in Polk County, 9%.

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 Kathleen?

A typical home is tight for the typical income

We start with a typical home in Kathleen, worth $203,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Kathleen, which is $57,097 a year. For that payment to be 28% of income, a household would need to earn about $70,155 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 Kathleen. 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 $7,123 (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

$1,637

at 7.18% · 30 years

Loan amount
$199,814
Total interest
$287,485
Paid off in
November 2056

Includes $3,437 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,332 a month

  • Tight

    $1,332 to $1,713 a month

    Your payment · 34%

  • Hard

    more than $1,713 a month

Compared with the typical household income in Kathleen ($57,097 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,637
Principal & interest$1,354
Property tax$109
Home insurance$85
FHA mortgage insurance (MIP)$90

You need at least $7,123 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

Kathleen and Polk County

Kathleen 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).

Kathleen's own numbers

Typical home value
$203,500
Typical monthly rent
$1,247
Typical yearly household income
$57,097
Households that own their home
80%
Effective property tax rate
0.64%

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 Kathleen

A typical home in Kathleen is worth $203,500: 24% below the county and 43% below Florida. With the typical household income in Kathleen ($57,097 a year), a typical home costs 3.6 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.

  • Kathleen 3.6 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

Kathleen 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
  • Kathleen $203,500
  • Polk $266,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Kathleen $1,247
  • Polk $1,363
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Kathleen $57,097
  • Polk $65,978
  • Florida $74,568
  • United States $80,734
See the full table
Kathleen next to Polk County and Florida
Measure Kathleen Polk County Florida U.S.
Typical home value $203,500 $266,500 $359,000 $332,700
Typical monthly rent $1,247 $1,363 $1,669 $1,413
Typical yearly household income $57,097 $65,978 $74,568 $80,734
Households that own their home 80% 70% 68% 65%
Typical yearly property tax $1,308 $1,933 $2,730 $3,119
Effective property tax rate 0.64% 0.73% 0.76% 0.94%
Renters with high rent for their income 54% 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 Kathleen

For a typical $203,500 home in Kathleen, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kathleen's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,637a month

    Least cash to close
    Down payment
    $7,123
    Cash to close
    $13,228
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $90

  • Conventional, 5% down $1,600a month

    Down payment
    $10,175
    Cash to close
    $16,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $97

  • Conventional, 20% down, no PMI $1,296a month

    Down payment
    $40,700
    Cash to close
    $46,805
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,484a month

    Down payment
    $30,525
    Cash to close
    $36,630
    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 Kathleen and for Polk County.

Property tax

Effective rate in Kathleen

0.64%of the home’s value each year

$1,308 a year for the typical owner in Kathleen.

  • Kathleen 0.64%
  • 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 Kathleen

Typical rent in Kathleen is $1,247 a month: 9% below the county. In Kathleen, 54% 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 Kathleen

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kathleen is in ZIP code 33810.

For 2 bedrooms it is $1,800: $192 more than the fair market rent for Polk County ($1,608).

  • 33810 $1,800$2,470

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

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Kathleen

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Kathleen

The HUD-approved agencies closest to the center of Kathleen, 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 · 8 miles away · Spanish

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

  • Operation Hope- Tampa

    2208 E Fowler Ave, Tampa · 24 miles away · Spanish

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

  • Housing and Education Alliance

    9215 N Florida Ave Ste 104, Tampa · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 3 more
    (813) 932-4663

Every agency in Polk County All counseling agencies in Florida

Help in Spanish near Kathleen

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 Kathleen

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

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Kathleen

Short answers with the numbers for Kathleen 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 Kathleen?

The typical home value in Kathleen is $203,500, 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 Kathleen?

Typical rent in Kathleen is $1,247 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 Kathleen?

Kathleen 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 Kathleen?

The typical homeowner in Kathleen pays $1,308 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in Polk County, the rate is 0.73%.

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

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).