The classic Victorian styles (Gothic Revival, Italianate, Second Empire, Stick Style, Romanesque Revival, and Shingle Style) were created by professional architects, and were built mostly by the well-to-do. But the lower reaches of the middle class certainly shared the same Victorian urge to live in a fashionable house, and if they couldn't afford a professional architect, well. They could design the house themselves, or have a local carpenter do it. In either case, the design was likely to be an unprofessional but possibly still charming pastiche, including elements of styles that were still currently fashionable among the upper crust, and elements of styles that definitely were not. Also, the house would naturally tend to be smaller and plainer than the what the wealthy could afford.
The result is Folk Victorian. The house shown here (which is the Compass Rose Bed & Breakfast on Whidbey Island, Washington) is as typical as you could want, considering that Folk Victorians by definition are all over the map. This house is sort-of Gothic Revival in terms of its roof line and the two symmetric wings, but the center tower is vaguely like an Italianate villa, and there are some applied decorations that remind one of the Stick Style. One could call it Queen Anne, since the Queen Anne is also unpredictably ecclectic — but that is too simplistic. The classic Queen Anne is very elaborate (compare this house with the two pictured in the Queen Anne section), and in terms of its complexity, this house is certainly closer in spirit to the Gothic or Stick styles than it is to the Queen Anne. There are no bay windows, no balconies, no overhangs on the second floor, etc.
The exact division between Queen Anne and Folk Victorian is very fuzzy (especially considering how many of the smaller Queen Annes were hodge-podged together by local carpenters, rather than designed by architects). But, Folk Victorians were being built long before the Queen Anne style appeared on the scene, and in any case, it is still useful to make a rough distinction between the more expensive, very elaborate, architect-designed Victorians (Queen Anne) and their less-expensive, plainer, carpenter-designed cousins (Folk Victorian).