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City · 10,057 residents · Highlands County, Florida

Avon Park , Florida

In Avon Park, a typical home is worth $144,700 and typical rent is $921 a month. Compared with all of Highlands County, typical household income is 34% lower, the typical home value is 23% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $144,700

    23% below the county

    60% below Florida

    • Avon Park
    • Highlands
    • Florida

  • Typical rent

    $921a month

    11% below the county

    45% below Florida

    • Avon Park
    • Highlands
    • Florida

  • Typical household income

    $36,485a year

    34% below the county

    51% below Florida

    • Avon Park
    • Highlands
    • Florida

  • Households that own their home

    59%

    20 points below the county

    9 points below Florida

    • Avon Park
    • Highlands
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$206,119
1.1% less than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Avon Park is in Highlands County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Highlands County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Avon Park apart

What this place has that others do not, from public data, most unusual first.

  1. Avon Park has the 4th lowest typical household income of the 480 cities in Florida with more than 5,000 people ($36,485).

  2. Avon Park has the 9th lowest typical rent of the 471 cities in Florida with more than 5,000 people ($921).

  3. Avon Park has the 11th lowest typical home value of the 480 cities in Florida with more than 5,000 people ($144,700).

  4. 59% of households in Avon Park own their home, against 79% in Highlands County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Avon Park

What homes there are in Avon Park, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Avon Park (51%), but less so than in Highlands County (60%).

Year built

Homes in Avon Park are older: the typical year built is 1980; in Highlands County, 1987.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,360 a month

Highlands County: $1,381 a month

Without a mortgage

$432 a month

Highlands County: $463 a month

Owners with a mortgage

30%

Highlands County: 38%

In Avon Park, 30% of owners have a mortgage; their typical cost is $1,360 a month, about the same as in Highlands County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Avon Park rose 106%; in Highlands County, it rose 74%.

Rents in Avon Park rose more slowly than in Highlands County: 18% since 2015–2019, against 27%.

To compare: typical income in Avon Park rose 19%; the home, +106%; the rent, +18%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAvon ParkHighlands CountyFloridaUnited States
Rental vacancy Unreliable estimate3.8%7.6%5.5%
Homeowner vacancy Unreliable estimate1.5%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 2.062.222.512.53
Drive alone 80%75%70%69%
Carpool 13%12%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate9%16%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Avon Park are smaller: 2.06 people on average; in Highlands County, 2.22.

To get to work, 80% of workers in Avon Park drive alone; in Highlands County, 75%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Avon Park?

A typical home costs more than the typical income allows

We start with a typical home in Avon Park, worth $144,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Avon Park, which is $36,485 a year. For that payment to be 28% of income, a household would need to earn about $49,057 a year.

The calculator's FHA and conventional loan limits are those of all of Highlands County.

Your numbers

Local data
$

Starts at the typical home value in Avon Park. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,065 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,145

at 7.18% · 30 years

Loan amount
$142,079
Total interest
$204,418
Paid off in
November 2056

Includes $2,444 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $851 a month

  • Tight

    $851 to $1,095 a month

  • Hard

    more than $1,095 a month

    Your payment · 38%

Compared with the typical household income in Avon Park ($36,485 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,145
Principal & interest$962
Property tax$58
Home insurance$60
FHA mortgage insurance (MIP)$64

You need at least $5,065 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Avon Park and Highlands County

Avon Park is in Highlands County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Avon Park's own numbers

Typical home value
$144,700
Typical monthly rent
$921
Typical yearly household income
$36,485
Households that own their home
59%
Effective property tax rate
0.48%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Highlands County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,259
Price change over 5 years (FHFA)
+73%
Homes in a high flood-risk zone
4.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Highlands County.

Everything about Highlands County

Buying

Buying a home in Avon Park

A typical home in Avon Park is worth $144,700: 23% below the county and 60% below Florida. With the typical household income in Avon Park ($36,485 a year), a typical home costs 4.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Avon Park 4.0 years
  • Highlands 3.4 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Highlands County

According to FHFA’s house price index, home prices in Highlands County rose 159% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Highlands County.

Period County Florida U.S.
Last year (2025) +3.5% −0.5% +2.9%
5 years (2020–2025) +73% +60% +47%
10 years (2015–2025) +159% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Avon Park next to Highlands County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Avon Park $144,700
  • Highlands $187,900
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Avon Park $921
  • Highlands $1,035
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Avon Park $36,485
  • Highlands $54,897
  • Florida $74,568
  • United States $80,734
See the full table
Avon Park next to Highlands County and Florida
Measure Avon Park Highlands County Florida U.S.
Typical home value $144,700 $187,900 $359,000 $332,700
Typical monthly rent $921 $1,035 $1,669 $1,413
Typical yearly household income $36,485 $54,897 $74,568 $80,734
Households that own their home 59% 79% 68% 65%
Typical yearly property tax $696 $1,353 $2,730 $3,119
Effective property tax rate 0.48% 0.72% 0.76% 0.94%
Renters with high rent for their income 68% 56% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Highlands County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Avon Park

For a typical $144,700 home in Avon Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Avon Park's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,145a month

    Least cash to close
    Down payment
    $5,065
    Cash to close
    $9,406
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $64

  • Conventional, 5% down $1,118a month

    Down payment
    $7,235
    Cash to close
    $11,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $69

  • Conventional, 20% down, no PMI $902a month

    Down payment
    $28,940
    Cash to close
    $33,281
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,036a month

    Down payment
    $21,705
    Cash to close
    $26,046
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Avon Park and for Highlands County.

Property tax

Effective rate in Avon Park

0.48%of the home’s value each year

$696 a year for the typical owner in Avon Park.

  • Avon Park 0.48%
  • Highlands 0.72%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Highlands County

FEMA does not publish these numbers by city: they are for all of Highlands County.

Homes in the high-risk zone
4.3%
2,149
Of those, with NFIP insurance
21%
County Florida U.S.
Homes in the high-risk zone 4.3% 13% 3.5%
Of those, with NFIP insurance 21% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Avon Park

Typical rent in Avon Park is $921 a month: 11% below the county. In Avon Park, 68% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Highlands County, by unit size. To pay the 2-bedroom one ($1,259 a month) without spending more than 30% of your income, you would need to earn $24.21 an hour working full time.

HUD fair market rent for all of Highlands County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $877 $16.87 $35,080
1 bedroom $1,022 $19.65 $40,880
2 bedrooms $1,259 $24.21 $50,360
3 bedrooms $1,500 $28.85 $60,000
4 bedrooms $1,905 $36.63 $76,200

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Avon Park

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Avon Park is in ZIP code 33825.

For 2 bedrooms it is $1,350: $91 more than the fair market rent for Highlands County ($1,259).

  • 33825 $1,350$1,830

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Avon Park when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Avon Park

HUD lists 7 buildings with rents for lower incomes in Avon Park. These are the largest.

  • Palms at Lake Tulane 1033 Hal McRae Loop, Avon Park 33825 80 low-income homes · 1 bd: 12 · 2 bd: 37 · 3 bd: 31 · In service since 2006 · For families
  • Lakeside Park II 21 Tulane Dr, Avon Park 33825 63 low-income homes · For families (863) 452-4432
  • Highland Palms 1016 Canberra Cir, Avon Park 33825 52 low-income homes · 2 bd: 12 · 3 bd: 32 · 4 bd: 8 · In service since 2010
  • Delaney Heights 21 Tulane Dr, Avon Park 33825 50 low-income homes · For families (863) 452-4432
  • Castle Hill of Avon Park 1025 S Castle Hill Dr, Avon Park 33825 36 low-income homes · In service since 1994

See all 16 buildings in Highlands County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Avon Park

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Highlands County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Avon Park

No down payment, repair or rent-help program on our list is for Avon Park or Highlands County. The ones below are statewide in Florida: they work in Avon Park the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Avon Park

The HUD-approved agencies closest to the center of Avon Park, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Florida Non-Profit Housing Inc

    3909 Kenilworth Blvd, Sebring · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (863) 385-2519

  • Housing and Neighborhood Development Services of Central Florida, Inc.

    825 E Main St, Lakeland · 41 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (863) 682-1025

  • Community Legal Services of Mid-Florida, Inc. - Kissimmee Office

    800 N Main St, Kissimmee · 49 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

Every agency in Highlands County All counseling agencies in Florida

Help in Spanish near Avon Park

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Avon Park

HUD’s record names them for Avon Park or Highlands County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Florida Source: HUD

Cities

Other cities in Highlands County

These cities are also in Highlands County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Highlands County Housing in Florida

Nearby cities

The cities closest to Avon Park, with the typical home value.

Neighboring counties

If Highlands County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Avon Park.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Avon Park

Short answers with the numbers for Avon Park and all of Highlands County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Avon Park?

The typical home value in Avon Park is $144,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Highlands County it is $187,900.

How much does it cost to rent in Avon Park?

Typical rent in Avon Park is $921 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Highlands County is $1,259.

What is the FHA loan limit in Avon Park?

Avon Park uses the FHA limit for all of Highlands County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Avon Park?

The typical homeowner in Avon Park pays $696 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Highlands County, the rate is 0.72%.

Where can I find free help to buy or rent in Avon Park?

There is 1 HUD-approved counseling agency with an office in Highlands County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).