Homes for Sale Under $300K in Polk City, FL
This page tracks every Polk City listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
32 homes listed under $300,000 are for sale or pending in Polk City, FL today across 20 communities. The median asking price is $222,500, from $84,900 to $299,900. Listings in Polk City without that feature have a median of $499,000. Most listings right now: Mount Olive Heights (6), Oakridge Heights (3), Mount Olive Shores Ph 03 (2). Updated September 11, 2026 from the MLS.
Polk City homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| 6 | 0 | $179,000 | $84,900 | |
| 3 | 0 | $214,000 | $129,900 | |
| 2 | 0 | $242,500 | $220,000 | |
| 2 | 0 | $202,450 | $189,900 | |
| 2 | 0 | $198,000 | $170,000 | |
| 1 | 0 | $299,900 | $299,900 | |
| 1 | 0 | $295,400 | $295,400 | |
| 1 | 0 | $290,000 | $290,000 | |
| 1 | 0 | $285,000 | $285,000 | |
| 1 | 0 | $277,000 | $277,000 | |
| 1 | 1 | $269,990 | $269,990 | |
| 1 | 0 | $265,000 | $265,000 | |
| 1 | 1 | $259,950 | $259,950 | |
| 1 | 0 | $250,000 | $250,000 | |
| 1 | 0 | $249,000 | $249,000 | |
| 1 | 0 | $225,000 | $225,000 | |
| 1 | 0 | $218,000 | $218,000 | |
| 1 | 0 | $160,000 | $160,000 | |
| 1 | 0 | $109,999 | $109,999 | |
| 1 | 0 | $99,900 | $99,900 |
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in Polk City?
What do homes under $300K cost in Polk City?
Which Polk City community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
Keep exploring Polk City
- All homes for sale in Polk City
- Polk City waterfront homes
- Polk City gated community homes
- Polk City 4-bedroom homes
- Polk City homes $300K–$500K
- Homes Under $300K in every city
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Polk City, FL whose MLS record reports an asking price under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.