Sebastian, FL home prices
Typical home $363,706 · -0.9% in a year · income needed $100,700
The Sebastian, FL metro area ranks 202 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -0.9% in a year and +16.3% over five years. With 20% down at 7.11%, the typical home costs about $2,349 a month including 0.69% property tax (Indian River County rate).
Mortgage on the typical Sebastian home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $72,741 | $290,965 | $1,957 | $0 | $392 | $2,349 | $100,700 |
| 10% down | $36,371 | $327,336 | $2,202 | $136 | $392 | $2,730 | $117,000 |
| 5% down | $18,185 | $345,521 | $2,324 | $144 | $392 | $2,860 | $122,600 |
| 3.5% down (FHA) | $12,730 | $357,119 | $2,402 | $161 | $392 | $2,955 | $126,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% 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.
Counties in the Sebastian area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Indian River County, FL | $363,705 | -0.9% | 0.69% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in Sebastian?
The typical home in the Sebastian, FL metro area is worth $363,706 (Zillow, September 2026).
What salary do you need to buy a house in Sebastian?
About $100,700 a year for the typical home with 20% down at 7.11%.