Cost of Living in High Springs, Florida: The 2026 Numbers
High Springs is in Alachua County, Florida (ZIP codes 32643). · Homes for sale in High Springs · Alachua County
Cost of living in High Springs, FL (2026): owning the median home — $288,000 over the last 12 months of sales — costs about $1,902 a month with 20% down at 6.71% (principal and interest $1,488, Alachua County property tax about $328, insurance about $85 at the Citizens county average). Florida has no state income tax; the costs that move the most between Florida cities are the home price, property tax at your purchase price, and insurance.
What it costs to own a home in High Springs, line by line
The median High Springs home sold for $288,000 over the last 12 months (62 closings across 23 communities), about $195 per square foot for a typical 1,456 sq ft. Here is what that home costs a new owner each month:
| Principal & interest (6.71%, 30-yr, 20% down) | $1,488 |
| Property tax (Alachua County, 16.56 mills, after $50,000 homestead) | $328 |
| Home insurance (Citizens Alachua County average) | $85 |
| HOA (median where one applies; 46% of listings) | varies |
| Estimated monthly cost to own the median home | $1,902 |
Two of those lines are the ones out-of-state buyers get wrong. The property tax on a listing is the seller’s capped bill; yours resets to your purchase price at closing, so the figure above is the honest first-full-year number. And the insurance line is a county average from Citizens; a real quote on a specific roof and flood zone can be far from it in either direction.
What your budget buys in High Springs
Three price points from 72 recent closings, each with what actually sold within 10% of that price and what that home costs to own:
- Around $244,900: a 3-bed, 2-bath home of about 1,194 sq ft, built around 1983 — roughly $1,619/month to own (16 sales).
- Around $288,000: a 3-bed, 2-bath home of about 1,568 sq ft, built around 2009 — roughly $1,902/month to own (8 sales).
- Around $445,000: a 3-bed, 2.5-bath home of about 1,938 sq ft, built around 2014 — roughly $2,929/month to own (9 sales).
Property taxes in High Springs
Alachua County’s typical total millage is 16.56 mills, about 1.66% of taxable value. After the $50,000 homestead exemption the median home’s bill is about $3,940 a year. Once you homestead, Florida’s Save Our Homes cap limits assessment growth to 3% a year, which is why long-time owners pay far less than a new buyer in the same house. Full worksheet: Alachua County property tax guide.
Home insurance in High Springs
Citizens Property Insurance’s average premium in Alachua County is about $1,020 a year. Florida premiums are driven by roof age, wind-mitigation features, distance to the coast and the FEMA flood zone, which is why two houses on one street can quote thousands apart. Get a quote on the specific address before you write an offer, and order a wind-mitigation inspection on any older roof. See home insurance by county.
HOA and CDD fees in High Springs
46% of current High Springs listings carry an HOA, with a median of $48 a month where one applies. About 14% of recent sales were new construction, and most newer master-planned communities also carry a CDD assessment that appears on the tax bill rather than the HOA statement — ask for it on every home. Neither is included in the monthly figure above unless the HOA line says so.
High Springs compared with other Florida cities
Same method, same day, for the Florida cities we track most closely: median sale over the last 12 months and the monthly cost of owning that median home, the typical rent, and the county’s Citizens average premium.
| City | Median sale | Est. monthly to own | Median rent (ZORI) | Citizens avg premium |
|---|---|---|---|---|
| High Springs | $288,000 | $1,902 | — | $1,020 |
| Hudson | $300,000 | $2,025 | $1,824 | $1,659 |
| Jacksonville | $316,000 | $2,222 | $1,627 | $1,315 |
| Pensacola | $329,000 | $2,339 | $1,800 | $2,364 |
| Plant City | $374,000 | $2,518 | $1,783 | $1,816 |
| St. Augustine | $420,000 | $2,817 | $2,062 | $1,378 |
| Kissimmee | $390,000 | $2,892 | $1,981 | $1,735 |
| Orlando | $408,000 | $2,928 | $1,994 | $1,409 |
| Dunedin | $422,000 | $2,941 | $2,060 | $1,911 |
| Yulee | $456,000 | $2,985 | $2,077 | $1,159 |
| Tampa | $430,000 | $3,004 | $1,939 | $1,816 |
| Wesley Chapel | $445,000 | $3,057 | $2,270 | $1,659 |
| West Palm Beach | $630,000 | $4,783 | $2,241 | $1,753 |
| Fort Lauderdale | $825,000 | $5,675 | $2,610 | $1,561 |
| Ponte Vedra Beach | $860,000 | $5,898 | $2,319 | $1,378 |
| Boca Raton | $1,018,000 | $7,565 | $3,035 | $1,753 |
What this page does not estimate
Groceries, utilities, transportation and healthcare vary less between Florida cities than housing does and are not modeled here; national cost-of-living indices cover them reasonably well. What those indices routinely miss is Florida homeowners insurance and the property-tax reset at purchase, which is why this page is built around them.
Common questions about the cost of living in High Springs
How much does it cost to live in High Springs, Florida?
Is High Springs expensive to live in?
Is it cheaper to buy or rent in High Springs?
How much are property taxes in High Springs?
How much is home insurance in High Springs?
Does Florida have a state income tax?
<a href="https://movewithmomentum.com/cost-of-living-high-springs">Cost of Living in High Springs, FL (2026): $1,902/mo to Own the Median Home — Momentum Realty</a>Home prices and HOA figures are Momentum Realty’s MLS record of High Springs communities as of 2026-09-11; rent, income and price-to-income are Zillow and Census figures by ZIP code pooled over the ZIPs where High Springs homes sell; tax and insurance are Alachua County figures. Estimates, not quotes. General information, not financial advice. Equal Housing Opportunity.