The ‘lock-in effect’ is making it harder to buy a home—even if mortgage rates fall - CNBC

As temperatures start dropping, the annual migration of snowbirds begins. For seasonal residents who are staying for longer than a vacation, many factors influence where they’ll hang their coat for the winter months. In a new ranking of the best cities for snowbirds from Storage Cafe, Florida and Texas dominate the top 10. Among the top ten, Polk County, FL, accounted for three slots: Winter Haven at No. 1, Lakeland at No. 2, and Lake Wales at No. 10. Found in between Tampa and Orlando, Polk County is known for its massive network of freshwater lakes and laid-back living away from the coast. Winter Haven and nearby Lakeland have a lot to offer those choosing their winter destination. The cities have easy access to tourist attractions in Orlando, and are under two hours from beaches at either side of the Florida peninsula, but with fewer expenses. “Lakeland is right in the middle of Central Florida and is less expensive than being, say, in Tampa or Orlando,” Lakeland real estate agent Brian Stephens told Realtor.com.

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