Polk County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Polk County, Florida? DLRadar grades every Polk County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 38/100. Here is the 2026 Polk County breakdown.
- Polk County's most distressed ZIP is 33801 at 38/100.
- 45 ZIP codes tracked in Polk County, averaging 38/100 distress.
- Polk County reads recovery — home values up 1.9% year over year, 2.2% off peak.
- Vacancy runs 18.7% across Polk County's tracked ZIPs, with a 14.9% poverty rate.
- The typical Polk County home is worth about $250,232 against a ~$67,235 median income.
- Lending headwind in Polk County sits at 51/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 33801 | 38/100 |
| 2 | 33803 | 38/100 |
| 3 | 33805 | 38/100 |
| 4 | 33809 | 38/100 |
| 5 | 33811 | 38/100 |
| 6 | 33812 | 38/100 |
| 7 | 33813 | 38/100 |
| 8 | 33815 | 38/100 |
| 9 | 33823 | 38/100 |
| 10 | 33827 | 38/100 |
| 11 | 33830 | 38/100 |
| 12 | 33835 | 38/100 |
Most distressed ZIP codes in Polk County (composite distress 0-100, 2026)
What is driving Polk County distress
The Polk County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 38/100 ZIP average. No proprietary or modelled inputs enter the score.
Polk County market phase and pricing
DLRadar places Polk County in recovery; prices moved up 1.9% over the year and remain 2.2% under peak. Longer marketing times follow, and with them the sellers worth calling.
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Frequently asked
Where is distress highest inside Polk County, FL?
ZIP 33801 leads Polk County at 38/100, recomputed monthly from public records.
What stage of the price cycle is Polk County at?
Phase for Polk County: recovery, tracking a 1.9% gain year over year, read off the FHFA index.
What are the sources behind these Polk County numbers?
The inputs are all public: FHFA for the recovery path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 45 ZIP codes in Polk County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Polk County ZIP codes?
A county average hides the spread. Across the Polk County ZIPs DLRadar ranks, scores run from 38/100 in 33801 down to 38/100 in 33835, against a Polk County average of 38/100. Those 0 points separate the ZIPs worth working in Polk County from the rest.
What do Polk County home values and vacancy say about distressed supply?
The typical Polk County home carries about $250,232 of value against a median household income near $67,235. Vacancy across Polk County's tracked ZIPs runs 18.7% and the poverty rate is 14.9%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Polk County's foreclosure and tax-lien filings and its 51/100 lending headwind.
Related
Formula-driven readings of public documents. Not investment, legal or financial advice of any kind; figures refresh from the live index each month.