Sebring, FL home prices
Typical home $231,288 · -1.4% in a year · income needed $64,200
The Sebring, FL metro area ranks 516 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.4% in a year and +25.0% over five years. With 20% down at 7.11%, the typical home costs about $1,499 a month including 0.72% property tax (Highlands County rate).
Mortgage on the typical Sebring home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,258 | $185,030 | $1,245 | $0 | $254 | $1,499 | $64,200 |
| 10% down | $23,129 | $208,159 | $1,400 | $87 | $254 | $1,741 | $74,600 |
| 5% down | $11,564 | $219,724 | $1,478 | $92 | $254 | $1,824 | $78,200 |
| 3.5% down (FHA) | $8,095 | $227,099 | $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.
Counties in the Sebring area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Highlands County, FL | $231,284 | -1.4% | 0.72% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in Sebring?
The typical home in the Sebring, FL metro area is worth $231,288 (Zillow, September 2026).
What salary do you need to buy a house in Sebring?
About $64,200 a year for the typical home with 20% down at 7.11%.