Total monthly cost of ownership
Cost to Own a Home in Sebring, Florida
A $175,000 home here costs
$1,477per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $900. The real number is $578 higher every month — 64% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Sebring against Highlands County and Florida
| Measure | Sebring | Highlands County |
|---|---|---|
| Median home value | $175,000 | $177,900 |
| Median property tax | $1,461 | $1,295 |
| Effective tax rate | 0.835% | 0.728% |
| Median gross rent | $974 | $980 |
| Population | 11,185 | 103,808 |
The weather behind that power bill
Sebring sits in Highlands County, which averages a high of 91.4°F in its hottest month and a low of 49.3°F in its coldest, with 52.27" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 3,337 cooling and 478 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Highlands County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Highlands County
Full Highlands County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Sebring?
A $175,000 home in Sebring, Florida costs approximately $1,477 per month with 20% down at 6.66%. That is $900 principal and interest, $122 property tax, $106 homeowners insurance, $204 utilities and $146 set aside for maintenance.
What is the property tax rate in Sebring?
Sebring has an effective property tax rate of 0.835%, based on a median home value of $175,000 and median real estate taxes of $1,461. That is higher than the Highlands County average of 0.728%.
What is the average home price in Sebring?
The median owner-occupied home value in Sebring, Florida is $175,000, against $177,900 across Highlands County.
Is it cheaper to rent or buy in Sebring?
Median gross rent in Sebring is $974 a month, against $1,477 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Sebring — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Florida.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.