What $400K Buys in Polk County, FL
A $400K budget buys a very different house depending on which Polk County city you point it at. This page compares every city with at least five active listings within 10% of $400K — size, age, bed and bath count, price per square foot, how much of the inventory is new construction and how long it has been sitting — from today’s live MLS actives, and lists the communities with the most homes at that price. It refreshes every night.
There are 778 homes for sale in Polk County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 2,112 sq ft, built 2019, at $186/sq ft; 24% of them are new construction and the median has been on the market 54 days. The most house for the money is in Dundee (2,592 sq ft median); the least in Polk City (1,698 sq ft); the newest in Lake Hamilton (median build year 2026).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| Davenport | 295 | 2,094 | 4 / 3 | 2019 | $193 | 17% | 49 |
| Lakeland | 152 | 2,032 | 4 / 2 | 2006 | $196 | 22% | 60 |
| Winter Haven | 79 | 2,350 | 4 / 2.5 | 2006 | $167 | 15% | 51 |
| Haines City | 60 | 2,258 | 4 / 3 | 2022 | $168 | 35% | 38 |
| Auburndale | 40 | 2,029 | 4 / 2 | 2025 | $187 | 57% | 86 |
| Lake Alfred | 30 | 2,151 | 4 / 2.5 | 2025 | $196 | 53% | 60 |
| Bartow | 24 | 2,174 | 4 / 2.5 | 2022 | $171 | 33% | 36 |
| Lake Wales | 20 | 2,051 | 3 / 2 | 2002 | $197 | 15% | 62 |
| Polk City | 12 | 1,698 | 2 / 2 | 2005 | $238 | 0% | 81 |
| Mulberry | 9 | 1,998 | 3 / 2 | 1996 | $207 | 11% | 14 |
| Indian Lake Estates | 9 | 1,891 | 3 / 2 | 2023 | $195 | 56% | 108 |
| Kissimmee | 8 | 2,587 | 4 / 2 | 2006 | $151 | 0% | 50 |
| Lake Hamilton | 7 | 2,267 | 4 / 3 | 2026 | $173 | 100% | 42 |
| Poinciana | 7 | 1,975 | 4 / 2 | 2024 | $189 | 29% | 36 |
| Dundee | 7 | 2,592 | 4 / 3 | 2021 | $161 | 43% | 123 |
| Frostproof | 6 | 1,751 | 3 / 2.5 | 2008 | $219 | 33% | 97 |
| Eagle Lake | 5 | 2,155 | 4 / 3 | 2023 | $176 | 40% | 37 |
| Babson Park | 5 | 2,059 | 4 / 3 | 2026 | $183 | 60% | 175 |
By ZIP code: where $400K goes furthest
The same budget by ZIP — useful where one city covers most of the county.
| ZIP | Homes for sale | Median sq ft | Median year built | $ / sq ft | New construction |
|---|---|---|---|---|---|
| 33837 Davenport | 161 | 2,257 | 2022 | $178 | 30% |
| 33897 Davenport | 73 | 1,903 | 2003 | $211 | 0% |
| 33896 Davenport | 61 | 1,933 | 2015 | $205 | 2% |
| 33844 Haines City | 60 | 2,258 | 2022 | $168 | 35% |
| 33823 Auburndale | 40 | 2,029 | 2025 | $187 | 57% |
| 33884 Winter Haven | 39 | 2,336 | 2006 | $168 | 23% |
| 33810 Lakeland | 34 | 2,068 | 2010 | $184 | 15% |
| 33850 Lake Alfred | 30 | 2,151 | 2025 | $196 | 53% |
| 33809 Lakeland | 29 | 1,857 | 2004 | $216 | 48% |
| 33811 Lakeland | 27 | 2,135 | 2021 | $185 | 26% |
| 33813 Lakeland | 26 | 1,899 | 1984 | $203 | 0% |
| 33830 Bartow | 24 | 2,174 | 2022 | $171 | 33% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Holly Hill Estates | DAVENPORT | 3 | 2,792 | 2004 |
| LUCERNE Park RESERVE | WINTER HAVEN | 2 | 2,530 | 2021 |
| CYPRESS POINT/Lake PARKER | LAKELAND | 1 | 2,326 | 2025 |
| SEASONS/Forest Creek | HAINES CITY | 1 | 2,170 | 2024 |
| Berkley Pointe | AUBURNDALE | 1 | 1,812 | 2000 |
| Edenholme | LAKELAND | 1 | 2,366 | 1954 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of October 7, 2026; property mix at this price: Single-family 93%, Townhouse 5%, Condo 0%. Cities with fewer than five listings in the band are folded out of the city table but still count in the county total. Prices are asking prices, not closings — see the county page for sale-to-list ratios. Source: live MLS feeds compiled by Momentum Research. Other budgets in Polk County: $300K, $500K, $750K, $1M. Back to homes for sale in Polk County, FL.