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City · 75,068 residents · Polk County, Florida

Poinciana , Florida

In Poinciana, a typical home is worth $290,700 and typical rent is $1,965 a month. Compared with all of Polk County, typical rent is 44% higher, the typical home value is 9% higher, and the share of households that own their home is 7 points higher.

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  • Typical home value

    $290,700

    9% above the county

    19% below Florida

    • Poinciana
    • Polk
    • Florida

  • Typical rent

    $1,965a month

    44% above the county

    18% above Florida

    • Poinciana
    • Polk
    • Florida

  • Typical household income

    $68,015a year

    3% above the county

    9% below Florida

    • Poinciana
    • Polk
    • Florida

  • Households that own their home

    77%

    7 points above the county

    10 points above Florida

    • Poinciana
    • Polk
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$279,725
3.9% less than 12 months ago
Typical rent
$1,906 a month
2.3% more than 12 months ago

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

Poinciana 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 Poinciana apart

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

  1. The typical rent in Poinciana is $1,965 a month, 44% more than in Polk County as a whole ($1,363).

  2. Nearby, in Haines City, the typical rent is $1,224: 38% less than in Poinciana ($1,965).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Poinciana fell 3.9%; in Florida, it fell 0.9%.

  4. 77% of households in Poinciana own their home, against 70% in Polk County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Poinciana

What homes there are in Poinciana, 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 Poinciana, 9 in 10 homes are single-family detached houses; in Polk County, 6.

Year built

The typical home in Poinciana was built in 2005, 13 years after the typical one in Polk County.

There is more room for a big family here: 80% of homes have 3 bedrooms or more, against 61% in Polk County.

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 loan limit for Polk County is $541,287, and about 94% of owner-occupied homes in Poinciana are worth less than that.

Monthly rent with utilities

With a mortgage

$1,588 a month

Polk County: $1,716 a month

Without a mortgage

$600 a month

Polk County: $545 a month

Owners with a mortgage

69%

Polk County: 56%

Owning costs less in Poinciana: with a mortgage, the typical cost is $1,588 a month; in Polk County, $1,716. Without one, $600.

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

Homes in Poinciana gained value more slowly than in Polk County: 70% since 2015–2019, against 77%.

Since 2015–2019, the typical rent in Poinciana rose 58%, more than in Polk County (39%).

Here income did not keep up with housing: it rose 36%, while home values changed +70% and rent +58%.

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

MeasurePoincianaPolk CountyFloridaUnited States
Rental vacancy Unreliable estimate5.1%7.6%5.5%
Homeowner vacancy 2.4%1.5%1.4%0.9%
More than one person per room 3.9%3.4%3.3%3.4%
People per household 3.052.682.512.53
Drive alone 74%75%70%69%
Carpool 12%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 12%12%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 40 to 59 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Polk County, 3.9% of households in Poinciana have more than one person per room.

Households in Poinciana are bigger: 3.05 people on average; in Polk County, 2.68.

More people carpool to work in Poinciana than in Polk County: 12% against 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 Poinciana?

A typical home costs more than the typical income allows

We start with a typical home in Poinciana, worth $290,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Poinciana, which is $68,015 a year. For that payment to be 28% of income, a household would need to earn about $101,462 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 Poinciana. 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 $10,175 (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

$2,367

at 7.18% · 30 years

Loan amount
$285,434
Total interest
$410,673
Paid off in
November 2056

Includes $4,909 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,587 a month

  • Tight

    $1,587 to $2,040 a month

  • Hard

    more than $2,040 a month

    Your payment · 42%

Compared with the typical household income in Poinciana ($68,015 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,367
Principal & interest$1,934
Property tax$184
Home insurance$121
FHA mortgage insurance (MIP)$129

You need at least $10,175 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

Poinciana and Polk County

Poinciana 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).

Poinciana's own numbers

Typical home value
$290,700
Typical monthly rent
$1,965
Typical yearly household income
$68,015
Households that own their home
77%
Effective property tax rate
0.76%

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 Poinciana

A typical home in Poinciana is worth $290,700: 9% above the county and 19% below Florida. With the typical household income in Poinciana ($68,015 a year), a typical home costs 4.3 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.

  • Poinciana 4.3 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

Poinciana 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
  • Poinciana $290,700
  • Polk $266,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Poinciana $1,965
  • Polk $1,363
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Poinciana $68,015
  • Polk $65,978
  • Florida $74,568
  • United States $80,734
See the full table
Poinciana next to Polk County and Florida
Measure Poinciana Polk County Florida U.S.
Typical home value $290,700 $266,500 $359,000 $332,700
Typical monthly rent $1,965 $1,363 $1,669 $1,413
Typical yearly household income $68,015 $65,978 $74,568 $80,734
Households that own their home 77% 70% 68% 65%
Typical yearly property tax $2,219 $1,933 $2,730 $3,119
Effective property tax rate 0.76% 0.73% 0.76% 0.94%
Renters with high rent for their income 64% 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 Poinciana

For a typical $290,700 home in Poinciana, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Poinciana's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,367a month

    Least cash to close
    Down payment
    $10,175
    Cash to close
    $18,896
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $129

  • Conventional, 5% down $2,314a month

    Down payment
    $14,535
    Cash to close
    $23,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $138

  • Conventional, 20% down, no PMI $1,881a month

    Down payment
    $58,140
    Cash to close
    $66,861
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,149a month

    Down payment
    $43,605
    Cash to close
    $52,326
    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 Poinciana and for Polk County.

Property tax

Effective rate in Poinciana

0.76%of the home’s value each year

$2,219 a year for the typical owner in Poinciana.

  • Poinciana 0.76%
  • 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 Poinciana

Typical rent in Poinciana is $1,965 a month: 44% above the county. In Poinciana, 64% 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 Poinciana

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Poinciana has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,080 in 34759 to $2,100 in 34758.

2 of the 2 are above the fair market rent for Polk County ($1,608).

  • 34758 $2,100$2,620
  • 34759 $2,080$2,820

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Poinciana 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 Poinciana

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 Poinciana

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Poinciana

The HUD-approved agencies closest to the center of Poinciana, 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 · 13 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 · 14 miles away · Spanish

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

  • Incharge Debt Solutions

    5750 Major Blvd, Orlando · 25 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 Poinciana

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 Poinciana

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

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Poinciana

Short answers with the numbers for Poinciana 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 Poinciana?

The typical home value in Poinciana is $290,700, 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 Poinciana?

Typical rent in Poinciana is $1,965 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 Poinciana?

Poinciana 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 Poinciana?

The typical homeowner in Poinciana pays $2,219 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Polk County, the rate is 0.73%.

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

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).