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City · 11,382 residents · Highlands County, Florida

Sebring , Florida

In Sebring, a typical home is worth $191,600 and typical rent is $1,019 a month. Compared with all of Highlands County, typical household income is 20% lower and the share of households that own their home is 27 points lower.

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  • Typical home value

    $191,600

    About the same as the county

    47% below Florida

    • Sebring
    • Highlands
    • Florida

  • Typical rent

    $1,019a month

    About the same as the county

    39% below Florida

    • Sebring
    • Highlands
    • Florida

  • Typical household income

    $44,184a year

    20% below the county

    41% below Florida

    • Sebring
    • Highlands
    • Florida

  • Households that own their home

    52%

    27 points below the county

    16 points below Florida

    • Sebring
    • Highlands
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$236,617
1.6% less than 12 months ago
Typical rent
$1,566 a month
0.7% more than 12 months ago

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

Sebring 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 Sebring apart

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

  1. 52% of households in Sebring own their home, against 79% in Highlands County.

  2. Sebring has the 20th lowest typical household income of the 480 cities in Florida with more than 5,000 people ($44,184).

  3. Sebring has the 23rd lowest typical rent of the 471 cities in Florida with more than 5,000 people ($1,019).

  4. Nearby, in Avon Park, the typical home value is $144,700: 24% less than in Sebring ($191,600).

  5. Sebring has the 38th lowest typical home value of the 480 cities in Florida with more than 5,000 people ($191,600).

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

The homes here

Housing in Sebring

What homes there are in Sebring, 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

In Sebring, 5 in 10 homes are single-family detached houses; in Highlands County, 6.

Year built

The typical home in Sebring was built in 1979, 8 years before the typical one in Highlands County.

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

The FHA limit for Highlands County is high ($541,287): at least 85% of owner-occupied homes in Sebring are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,398 a month

Highlands County: $1,381 a month

Without a mortgage

$454 a month

Highlands County: $463 a month

Owners with a mortgage

40%

Highlands County: 38%

Owning costs about the same in Sebring as in Highlands County: with a mortgage, $1,398 a month; without one, $454.

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 Sebring rose 98% since 2015–2019, more than in Highlands County (74%).

The typical rent in Sebring rose 41% over the same time; in Highlands County, it rose 27%.

While home values in Sebring changed +98% and rent +41%, the typical household income rose 72%.

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

MeasureSebringHighlands 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 2.162.222.512.53
Drive alone 66%75%70%69%
Carpool 16%12%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 9%9%16%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Highlands County, a household in Sebring has 2.16 people on average.

More people carpool to work in Sebring than in Highlands County: 16% against 12%.

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 Sebring?

A typical home costs more than the typical income allows

We start with a typical home in Sebring, worth $191,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Sebring, which is $44,184 a year. For that payment to be 28% of income, a household would need to earn about $67,010 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 Sebring. 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 $6,706 (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

$1,564

at 7.18% · 30 years

Loan amount
$188,130
Total interest
$270,674
Paid off in
November 2056

Includes $3,236 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,031 a month

  • Tight

    $1,031 to $1,326 a month

  • Hard

    more than $1,326 a month

    Your payment · 42%

Compared with the typical household income in Sebring ($44,184 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,564
Principal & interest$1,274
Property tax$125
Home insurance$80
FHA mortgage insurance (MIP)$85

You need at least $6,706 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

Sebring and Highlands County

Sebring 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).

Sebring's own numbers

Typical home value
$191,600
Typical monthly rent
$1,019
Typical yearly household income
$44,184
Households that own their home
52%
Effective property tax rate
0.78%

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 Sebring

A typical home in Sebring is worth $191,600: about the same as the county and 47% below Florida. With the typical household income in Sebring ($44,184 a year), a typical home costs 4.3 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.

  • Sebring 4.3 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

Sebring 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
  • Sebring $191,600
  • Highlands $187,900
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Sebring $1,019
  • Highlands $1,035
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Sebring $44,184
  • Highlands $54,897
  • Florida $74,568
  • United States $80,734
See the full table
Sebring next to Highlands County and Florida
Measure Sebring Highlands County Florida U.S.
Typical home value $191,600 $187,900 $359,000 $332,700
Typical monthly rent $1,019 $1,035 $1,669 $1,413
Typical yearly household income $44,184 $54,897 $74,568 $80,734
Households that own their home 52% 79% 68% 65%
Typical yearly property tax $1,487 $1,353 $2,730 $3,119
Effective property tax rate 0.78% 0.72% 0.76% 0.94%
Renters with high rent for their income 65% 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 Sebring

For a typical $191,600 home in Sebring, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sebring's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,564a month

    Least cash to close
    Down payment
    $6,706
    Cash to close
    $12,454
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $85

  • Conventional, 5% down $1,528a month

    Down payment
    $9,580
    Cash to close
    $15,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,243a month

    Down payment
    $38,320
    Cash to close
    $44,068
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,420a month

    Down payment
    $28,740
    Cash to close
    $34,488
    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 Sebring and for Highlands County.

Property tax

Effective rate in Sebring

0.78%of the home’s value each year

$1,487 a year for the typical owner in Sebring.

  • Sebring 0.78%
  • 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 Sebring

Typical rent in Sebring is $1,019 a month: about the same as the county. In Sebring, 65% 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 Sebring

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sebring has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,230 in 33870 to $1,410 in 33875.

1 of the 2 is above the fair market rent for Highlands County ($1,259).

  • 33870 $1,230$1,470
  • 33875 $1,410$1,680

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sebring 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 Sebring

HUD lists 6 buildings with rents for lower incomes in Sebring. These are the largest.

  • Groves at Victoria Park 2010 Village Grove Blvd, Sebring 33870 122 low-income homes · 1 bd: 62 · 2 bd: 60 · In service since 2005 · For older adults
  • Park Crest Terrace I 100 Cody Way, Sebring 33870 100 low-income homes · 2 bd: 16 · 3 bd: 68 · 4 bd: 16 · In service since 2000 · For families
  • Fair Havens Village 3015 Spinks Rd, Sebring 33870 80 homes, 79 low-income · For older adults
  • Park Crest Terrace II 100 Cody Way, Sebring 33870 44 low-income homes · 2 bd: 14 · 3 bd: 20 · 4 bd: 10 · In service since 2001 · For families
  • Briarwood of Sebring 1335 Spinks Ln, Sebring 33870 40 low-income homes · In service since 1993

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

Free help

Help to buy or rent in Sebring

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 Sebring

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Sebring

The HUD-approved agencies closest to the center of Sebring, 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 · 1 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 · 50 miles away · Spanish

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

  • University of Florida/Florida Cooperative Extension - Osceola County Cooperative Extension Service

    1921 Kissimmee Valley Ln, Kissimmee · 57 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (321) 697-3000

Every agency in Highlands County All counseling agencies in Florida

Help in Spanish near Sebring

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 Sebring

In HUD’s record, no housing authority with an office in Highlands County is named for Sebring or Highlands County.

One other authority has an office in Highlands County: see the list 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 Sebring, 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 Sebring.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Sebring

Short answers with the numbers for Sebring 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 Sebring?

The typical home value in Sebring is $191,600, 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 Sebring?

Typical rent in Sebring is $1,019 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 Sebring?

Sebring 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 Sebring?

The typical homeowner in Sebring pays $1,487 a year, according to the U.S. Census Bureau. That is 0.78% of the home’s value; in Highlands County, the rate is 0.72%.

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

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).