33809 Property Tax Rate
Lakeland, Florida · Part of Polk County
Effective Tax Rate
0.70%
34.3% below state avgMedian Annual Tax
$1,737
$145/mo escrow
Estimate Your Tax
Annual Tax
$1,737
Monthly
$145
Eff. Rate
0.70%
Buyer decision brief
What ZIP 33809 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$145/mo
Based on median annual tax paid
State context
0.07 percentage points below the Florida average
Florida average: 0.76%
Data confidence
High confidenceThe Census margin of error is $110, about 6% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Polk County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 33809 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$110 tax MOE, 6% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Polk County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 33809
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $248,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.70%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Florida and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $145 per month before insurance, HOA dues, or special assessments.
Assessor verification
Polk County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 33809 Compares
Median Annual Property Tax
ZIP 33809
0.70%
Effective rate
Florida Avg
0.76%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Florida
Lower than 64% of ZIP codes in Florida(36th percentile, 928 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 33809
Property owners in ZIP code 33809 (Lakeland, Florida) pay a median of $1,737/year in property taxes on homes valued at $248,700. This translates to an effective tax rate of 0.70%, which is 9% below the Florida state average of 0.76%.
The monthly property tax burden for a median-valued home in 33809 is approximately $145, which factors into escrow payments on mortgages. This ZIP code is located within Polk County. This is $908 less than the Florida average of $2,645/year.
Compared to similar ZIP codes in Florida, 33809 has lower property taxes. ZIP codes with similar effective rates include 32818 (0.70%) and 32766 (0.70%).
In Lakeland, property taxes represent approximately 2.6% of the median household income of $67,112, providing context for the relative tax burden on homeowners in this area.
Under Florida's Save Our Homes Act, your homestead property's assessed value is capped at 3% annually, but resets to market value upon sale—expect your tax bill to jump to reflect the new purchase price. Polk County offers a $25,000 homestead exemption plus an additional $25,000 exemption for non-school taxes; file your application with the Polk County Property Appraiser immediately after purchase. Contact the Polk County Property Appraiser at (863) 534-6500 or visit polkcountyfl.gov to confirm your homestead exemption has been applied.
Frequently Asked Questions
What is the property tax rate in ZIP code 33809?
How much are property taxes in Lakeland, FL (33809)?
How does ZIP 33809 compare to the Florida average?
What is the median home value in ZIP 33809?
What county is ZIP code 33809 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$110. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 33809 is part of Polk County, Florida. View the full county profile for broader context and more data.
View Polk County on TaxByCounty →Explore Lakeland, FL
View all 9 ZIP codes in Lakeland with property tax comparisons.
View Lakeland Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 33809
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
33801
Lakeland, FL
0.08 percentage points lower than ZIP 33809.
Rate
0.62%
Tax
$864
Quality
101
33805
Lakeland, FL
0.03 percentage points lower than ZIP 33809.
Rate
0.67%
Tax
$1,163
Quality
101
33810
Lakeland, FL
0.01 percentage points lower than ZIP 33809.
Rate
0.69%
Tax
$1,697
Quality
101
33812
Lakeland, FL
0.00 percentage points lower than ZIP 33809.
Rate
0.69%
Tax
$2,326
Quality
101
33877
Waverly, FL
0.38 percentage points lower than ZIP 33809.
Rate
0.32%
Tax
$608
Quality
86
33838
Dundee, FL
0.15 percentage points lower than ZIP 33809.
Rate
0.55%
Tax
$1,256
Quality
80
33830
Bartow, FL
0.14 percentage points lower than ZIP 33809.
Rate
0.56%
Tax
$1,170
Quality
91
33849
Kathleen, FL
0.12 percentage points lower than ZIP 33809.
Rate
0.58%
Tax
$1,629
Quality
86
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.