Cost of Living in Davenport
No single verified cost-of-living composite index for Davenport was found this research pass -- that gap is disclosed rather than filled with an estimate. What's well documented instead are the specific cost drivers: housing, property taxes, and insurance, all covered below and in the base place record.
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Learn moreHousing costs anchor the budget
Redfin's citywide Davenport median sale price was $316,328 as of a June 2026 snapshot (up 1.1% YoY), while the 33896 (ChampionsGate) zip ran a materially higher $360,000 trailing-3-month median in the same general period -- newer, larger vacation-home product pulls that submarket's price well above the citywide figure. Separately, Zillow's Home Value Index put Davenport's average home value at $341,159 as of July 2026, down 4.5% over the prior year -- a different methodology and a different direction of travel than the Redfin citywide figure, worth disclosing rather than reconciling into one number.
Taxes and insurance
Polk County's total millage runs about 16.19 mills for FY2025-26. The effective property-tax rate is genuinely disputed across sources (0.73% to 1.43% depending on assumptions -- see Taxes & Insurance for the full breakdown). Homeowners insurance for Polk County generally runs $2,400-$4,200 per year; Polk is described as sitting toward the more affordable end of Florida's homeowners-insurance costs specifically because it's an inland county, not a coastal one.
Resort-community HOA/CDD costs
Buyers considering a gated resort community (the dominant new-construction product type here, per the base place record) should budget for HOA and, in many cases, CDD assessments layered on top of the county-level taxes and insurance above -- specific dollar figures for these fees were not independently verified for Davenport this research pass and vary significantly by community, so request the current fee schedule directly for any address under consideration.
Key takeaways
- No verified composite cost-of-living index exists for Davenport in current sourcing -- budget from the concrete housing, tax, and insurance figures instead.
- Redfin and Zillow disagree on both the level and direction of Davenport home values (citywide median up 1.1% YoY per Redfin vs. Zillow's average value down 4.5% YoY) -- a genuine, disclosed methodology difference, not an error.
- Polk County homeowners insurance ($2,400-$4,200/yr) runs comparatively favorable for Florida because the county is inland, not coastal.
- Resort-community HOA/CDD fees are a real additional cost layer not captured in the county-level figures above -- verify per-community.
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