Highlands County, Florida home prices
Typical home $231,284 · -1.4% in a year · property tax 0.72%
The typical home in Highlands County is worth $231,284, 38% less than the Florida typical home ($375,361). Values changed -1.4% in the past year and +25.0% over five years. Homeowners here pay a median 0.72% of their home's value in property tax each year ($1,665 on the typical home), versus 0.8% statewide.
Mortgage on the typical Highlands County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,257 | $185,028 | $1,245 | $0 | $254 | $1,499 | $64,200 |
| 10% down | $23,128 | $208,156 | $1,400 | $87 | $254 | $1,741 | $74,600 |
| 5% down | $11,564 | $219,720 | $1,478 | $92 | $254 | $1,824 | $78,200 |
| 3.5% down (FHA) | $8,095 | $227,095 | $1,528 | $102 | $254 | $1,884 | $80,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.72% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Sebring metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hardee County | $235,001 | +1.3% | 0.82% |
| Washington County | $220,578 | +1.0% | 0.46% |
| Dixie County | $217,764 | +2.5% | 0.62% |
| Putnam County | $216,313 | +0.7% | 0.78% |
| De Soto County | $250,420 | +0.4% | 0.83% |
| Bradford County | $252,646 | +4.0% | 0.55% |
| Hamilton County | $207,098 | +5.9% | 0.73% |
| Madison County | $206,128 | -2.4% | 0.83% |
| Union County | $256,560 | +0.5% | 0.58% |
| Glades County | $257,042 | -2.8% | 0.85% |
Frequently asked questions
What is the average home price in Highlands County, FL?
The typical home value in Highlands County is $231,284 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Highlands County?
About $64,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Highlands County?
The median effective rate is 0.72% of home value a year (Census ACS 2024 5-year estimates).