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City · 6,544 residents · Alachua County, Florida

High Springs , Florida

In High Springs, a typical home is worth $320,700 and typical rent is $1,878 a month. Compared with all of Alachua County, typical household income is 52% higher, typical rent is 40% higher, and the share of households that own their home is 30 points higher.

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  • Typical home value

    $320,700

    11% above the county

    11% below Florida

    • High Springs
    • Alachua
    • Florida

  • Typical rent

    $1,878a month

    40% above the county

    13% above Florida

    • High Springs
    • Alachua
    • Florida

  • Typical household income

    $94,421a year

    52% above the county

    27% above Florida

    • High Springs
    • Alachua
    • Florida

  • Households that own their home

    84%

    30 points above the county

    17 points above Florida

    • High Springs
    • Alachua
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$321,631
about the same as 12 months ago

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

High Springs is in Alachua 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 Alachua County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets High Springs apart

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

  1. 84% of households in High Springs own their home, against 54% in Alachua County.

  2. Nearby, in Starke, the typical rent is $840: 55% less than in High Springs ($1,878).

  3. High Springs has the 11th largest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (79%).

  4. The typical household income in High Springs is $94,421, 52% more than in Alachua County as a whole ($61,949).

  5. Nearby, in Lake City, the typical home value is $184,900: 42% less than in High Springs ($320,700).

  6. The typical rent in High Springs is $1,878 a month, 40% more than in Alachua County as a whole ($1,339).

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

The homes here

Housing in High Springs

What homes there are in High Springs, 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

The detached house rules in High Springs: 80% of homes, more than in Alachua County (50%).

There are more mobile homes here than in Alachua County: 14% of homes, against 6%.

Year built

Homes in High Springs are newer: the typical year built is 2002; in Alachua County, 1988.

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

$1,580 a month

Alachua County: $1,730 a month

Without a mortgage

$642 a month

Alachua County: $627 a month

Owners with a mortgage

74%

Alachua County: 58%

In High Springs, 74% of owners have a mortgage, and their typical cost is $1,580 a month, against $1,730 in Alachua County. Without one it drops to $642.

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

The typical home value in High Springs rose 91% since 2015–2019, more than in Alachua County (55%).

Since 2015–2019, the typical rent in High Springs rose 152%, more than in Alachua County (36%).

Here income did not keep up with housing: it rose 65%, while home values changed +91% and rent +152%.

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

MeasureHigh SpringsAlachua CountyFloridaUnited States
Rental vacancy Unreliable estimate8.6%7.6%5.5%
Homeowner vacancy Unreliable estimate1.7%1.4%0.9%
More than one person per room Unreliable estimate2.0%3.3%3.4%
People per household 3.012.282.512.53
Drive alone 80%68%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate5%2%3%
Work from home 10%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in High Springs are bigger: 3.01 people on average; in Alachua County, 2.28.

To get to work, 80% of workers in High Springs drive alone; in Alachua County, 68%.

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 High Springs?

A typical home is tight for the typical income

We start with a typical home in High Springs, worth $320,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in High Springs, which is $94,421 a year. For that payment to be 28% of income, a household would need to earn about $114,796 a year.

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

Your numbers

Local data
$

Starts at the typical home value in High Springs. 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 $11,225 (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

$2,679

at 7.18% · 30 years

Loan amount
$314,891
Total interest
$453,054
Paid off in
November 2056

Includes $5,416 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,203 a month

  • Tight

    $2,203 to $2,833 a month

    Your payment · 34%

  • Hard

    more than $2,833 a month

Compared with the typical household income in High Springs ($94,421 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,679
Principal & interest$2,133
Property tax$270
Home insurance$134
FHA mortgage insurance (MIP)$142

You need at least $11,225 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

High Springs and Alachua County

High Springs is in Alachua 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).

High Springs's own numbers

Typical home value
$320,700
Typical monthly rent
$1,878
Typical yearly household income
$94,421
Households that own their home
84%
Effective property tax rate
1.01%

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

Numbers for all of Alachua County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,471
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
4.8%

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 Alachua County.

Everything about Alachua County

Buying

Buying a home in High Springs

A typical home in High Springs is worth $320,700: 11% above the county and 11% below Florida. With the typical household income in High Springs ($94,421 a year), a typical home costs 3.4 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.

  • High Springs 3.4 years
  • Alachua 4.7 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Alachua County

According to FHFA’s house price index, home prices in Alachua County rose 112% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) +2.6% −0.5% +2.9%
5 years (2020–2025) +55% +60% +47%
10 years (2015–2025) +112% +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

High Springs next to Alachua 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
  • High Springs $320,700
  • Alachua $288,800
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • High Springs $1,878
  • Alachua $1,339
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • High Springs $94,421
  • Alachua $61,949
  • Florida $74,568
  • United States $80,734
See the full table
High Springs next to Alachua County and Florida
Measure High Springs Alachua County Florida U.S.
Typical home value $320,700 $288,800 $359,000 $332,700
Typical monthly rent $1,878 $1,339 $1,669 $1,413
Typical yearly household income $94,421 $61,949 $74,568 $80,734
Households that own their home 84% 54% 68% 65%
Typical yearly property tax $3,239 $2,773 $2,730 $3,119
Effective property tax rate 1.01% 0.96% 0.76% 0.94%
Renters with high rent for their income 79% 63% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Alachua 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 High Springs

For a typical $320,700 home in High Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, High Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,679a month

    Least cash to close
    Down payment
    $11,225
    Cash to close
    $20,846
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $142

  • Conventional, 5% down $2,620a month

    Down payment
    $16,035
    Cash to close
    $25,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $152

  • Conventional, 20% down, no PMI $2,142a month

    Down payment
    $64,140
    Cash to close
    $73,761
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,438a month

    Down payment
    $48,105
    Cash to close
    $57,726
    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 High Springs and for Alachua County.

Property tax

Effective rate in High Springs

1.01%of the home’s value each year

$3,239 a year for the typical owner in High Springs.

  • High Springs 1.01%
  • Alachua 0.96%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Alachua County

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

Homes in the high-risk zone
4.8%
4,050
Of those, with NFIP insurance
18%
County Florida U.S.
Homes in the high-risk zone 4.8% 13% 3.5%
Of those, with NFIP insurance 18% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in High Springs

Typical rent in High Springs is $1,878 a month: 40% above the county. In High Springs, 79% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Alachua County, by unit size. To pay the 2-bedroom one ($1,471 a month) without spending more than 30% of your income, you would need to earn $28.29 an hour working full time.

HUD fair market rent for all of Alachua 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 $1,197 $23.02 $47,880
1 bedroom $1,241 $23.87 $49,640
2 bedrooms $1,471 $28.29 $58,840
3 bedrooms $1,806 $34.73 $72,240
4 bedrooms $1,933 $37.17 $77,320

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 High Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). High Springs is in ZIP code 32643.

For 2 bedrooms it is $1,840: $369 more than the fair market rent for Alachua County ($1,471).

  • 32643 $1,840$2,260

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for High Springs 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?

Free help

Help to buy or rent in High Springs

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 are 2 HUD-approved agencies with an office in Alachua County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in High Springs

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

Which programs do I qualify for? All programs in Florida

Housing counselors near High Springs

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

  • University of Florida/Florida Cooperative Extension

    1604 McCarty Drive, McCarty Hall D, Suit, Gainesville · 17 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 7 more
    (352) 392-1761

  • Neighborhood Housing & Development Corporation

    633 NW 8th Ave, Gainesville · 18 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (352) 380-9119

  • Ocala Housing Authority

    1629 NW 4th St, Ocala · 50 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (352) 369-2636

Every agency in Alachua County All counseling agencies in Florida

Help in Spanish near High Springs

None 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 High Springs

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

One other authority has an office in Alachua County: see the list Source: HUD

Cities

Other cities in Alachua County

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

Everything about Alachua County Housing in Florida

Nearby cities

The cities closest to High Springs, with the typical home value.

Neighboring counties

If Alachua 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 High Springs.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about High Springs

Short answers with the numbers for High Springs and all of Alachua 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 High Springs?

The typical home value in High Springs is $320,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Alachua County it is $288,800.

How much does it cost to rent in High Springs?

Typical rent in High Springs is $1,878 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Alachua County is $1,471.

What is the FHA loan limit in High Springs?

High Springs uses the FHA limit for all of Alachua 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 High Springs?

The typical homeowner in High Springs pays $3,239 a year, according to the U.S. Census Bureau. That is 1.01% of the home’s value; in Alachua County, the rate is 0.96%.

Where can I find free help to buy or rent in High Springs?

There are 2 HUD-approved counseling agencies with an office in Alachua County. 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).