Polk County, FL: Foreclosures, Tax Liens & Distressed Properties
Polk County, FL, Florida: 45 ZIP codes scored, Polk County, FL averaging 39/100 (moderate, Polk, FL), from 34 to 39. Polk County, FL is in its recovery phase (Polk, FL confidence 27/100): Polk, FL home prices up 1.9% (Polk, FL) over twelve months, 2.2% under their peak. Polk County, FL lender headwind: 51/100.
Highest-scoring Polk County, FL ZIPs: 33547 (39/100), 33801 (39/100), 33803 (39/100), 33805 (39/100), 33809 (39/100), 33810 (39/100). Also scored in Polk County, FL: 33811, 33812, 33813, 33815, 33823, 33827, 33830, 33835, 33837, 33838.
Across Polk County, FL's scored ZIPs: median home value $250,232, household income $67,235, 18.7% vacancy, 14.9% poverty, 69% owner-occupied, median age 42.7.
Polk County, FL insurance distress 98/100 (#16 in the US); FEMA hazard 98/100 for Polk, FL; 12 federal disaster declarations in Polk County, FL since 2023 (6 hurricane); 405 Polk, FL NFIP flood claims, $27.9M paid; Polk, FL construction distress 74/100.
16 banks with 79 branches lend in Polk County, FL; Polk, FL weighted bank stress 63/100, highest 80/100 in Polk, FL.
Polk County, FL unemployment 5.6% (Polk, FL -0.2 pts, six months); 6,844 new housing units permitted in Polk County, FL over twelve months, Polk, FL down 24% from 8,976; Polk, FL home prices +11.3% a year (Polk, FL) over three years.
340,748 housing units in Polk County, FL; 82,945 Polk, FL renter households; 49% of Polk, FL renters spend 30%+ of income on rent, 25% (Polk, FL) half or more.
Polk County, FL ranks #76 nationally on the opportunity index (Polk, FL, among all ranked counties); Polk, FL scores 37.7/100 and Polk, FL sits #11 inside Florida. Polk, FL is in the strong_buy opportunity phase; Polk, FL's primary driver is vacancy, Polk, FL second driver construction; Polk, FL moved up 136 places. 756 short-sale listings across Polk, FL; 90 days on market observed in Polk, FL; 15.5% vacancy over 45 Polk, FL ZIPs.
2.2% of Polk County, FL mortgages were ninety-plus days late in December 2025; Polk, FL's thirty-to-eighty-nine-day share was 3.8% (CFPB county sample). Polk, FL's ninety-day rate is up 1.4 points on twelve months earlier; the Polk, FL peak since 2008 was 9.1% in January 2010; Florida overall reads 1.2%.
Polk County, FL has 5 watched banks; 5 Polk, FL banks sit in an elevated band. Polk, FL footprints: Citizens Bank&Trust (13 branches, stress 73) in Polk, FL; Southstate Bank Na (10 branches, stress 48) in Polk, FL; Bank Of Central Florida (3 branches, stress 71) in Polk, FL.
HUD lists 19 assisted multifamily properties in Polk County, FL with 1,985 units; 653 Polk, FL units are assisted, 6 Polk, FL properties under project-based Section 8.
51,323 of the 340,748 housing units in Polk, FL sit vacant. Polk County, FL permitted 272 multifamily units in twelve months; Polk, FL's one-to-four unit structures added 6,572 units in Polk County, FL.