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An appreciation-lean market without the demand pressure to back it. The rent math runs thin.
What would change this read: a price correction (median already +1.6% YoY) or rent growth lifting rent-to-price toward 0.8%/mo would move this ZIP toward a cash-flow story. inventory, −3.6% YoY, is the number to watch.
The median listing price is up 1.6% YoY while the median home got up 9.8% bigger, so value per square foot is down 3.7%.
Min/max come from the active-listing pool; the median comes from Realtor's separate listing set — the two are not subsets of each other, so the median's position relative to the tiles above should not be read literally.
At the median, a $440K purchase rents for $2,100/mo: 0.48% of price per month against the 1% rule's 1.00%.
Not shown: 1 BR (rent only, no matching sale price), 6 BR (sale only, no matching rent).
Sales here take about 23 days longer to go under contract than rentals (median across 2 property types).
Not shown: Apartment (rented here, not sold), Condo (rented here, not sold), Land (sold here, not rented).
U.S. Census ACS characteristics for ZIP 33812 itself, not its parent county.
Renters hold 20.9% of this ZIP's 5,327 occupied households, on a median household income of $103K.
| Measure | ZIP 33812 | Polk County | Difference |
|---|---|---|---|
| Median Household Income | $103K | $66K | +$37K |
| Below Poverty Level | 4.8% | 14.5% | -9.7% |
| Median Age | 40.20 | 39.50 | +0.70 |
| Total Population | 16,169 | 790,694 | -- |
| Avg Household Size | 3.02 | 2.68 | +0.34 |
| Owner-Occupied | 79.1% | 70.5% | +8.6% |
| Worked From Home | 10.9% | 12.4% | -1.5% |
| Mean Commute | 30.50 | 30.50 | 0.00 |
Higher or lower is not itself good or bad — it describes the neighborhood, not the investment.
ZIP-level figures come from ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP codes. A missing value is suppressed or unavailable at this sample size, not zero. Estimates for 2019–2020 use the 2010 ZCTA boundaries and 2021–2024 the 2020 ones, so a step between those two years may be a boundary change rather than real movement.
County population is up 3.9% to 790,694: residents under 18 are up 3.6% and those 65 and over are up 3.0%.
County median household income is $66K, 14.5% of residents are below the poverty level, 12.4% work from home.