Highlands County real estate, your questions answered.
Short answer: as of 2026-06-09, Highlands County scores 75/100 (strong buyer value) on our buyer-value scale, the typical home is worth $233,707, the market looks about 14% undervalued, and average insurance runs about $1,753 a year.
Answers update from live data (2026-06-09). For the full numbers, see the Highlands County housing scorecard.
Is now a good time to buy a house in Highlands County?
As of 2026-06-09, our Momentum Market Score for Highlands County is 75 out of 100, which reads strong buyer value, meaning the market is priced low against incomes with real negotiating room. Prices are falling (-1.8% over the past year) and the area looks about 14% undervalued versus local incomes. A higher score means more buyer value and negotiating leverage; see the full Highlands County scorecard for the breakdown.
Is Highlands County a buyer's or seller's market?
Highlands County currently reads strong buyer value on our 0 to 100 score (75/100), so it is priced low against incomes with real negotiating room. The score blends home value versus local incomes, price cuts, inventory trend, affordability and rent yield.
Are home prices going up or down in Highlands County?
The typical home in Highlands County is worth $233,707 (Zillow, 2026-06-09). Prices are falling over the last year (-1.8%) and have moved about 7.3% a year over five years.
Is Highlands County housing overvalued?
On price versus the area's own long-run relationship with local income, Highlands County looks about 14% undervalued, with a price-to-income ratio of 4.2x. This compares the current typical value to its historical norm, not to other markets.
How much does a house cost in Highlands County?
The typical Highlands County home is worth about $233,707 as of 2026-06-09, against a county median household income near $55,581.
How much is homeowners insurance in Highlands County?
The average Citizens Property Insurance premium in Highlands County is about $1,753 a year. Citizens is Florida's insurer of last resort, so that is a realistic floor; private quotes vary by roof age, elevation and flood zone. In Florida, insurance is now one of the largest line items in a housing budget.
Is Highlands County a good place to invest in rental property?
The gross rent yield (cap-rate proxy) in Highlands County is about 7.87%, with typical rent near $1,533 a month on a $233,707 home. Run the full numbers, including taxes and insurance, in our Florida investment property calculator.
Are people moving to or from Highlands County?
In the latest IRS migration data, Highlands County is net gaining about 741 households a year.
Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED, IRS migration, Citizens Property Insurance. Scores by Momentum Realty. Informational only, not investment, legal or insurance advice. Highlands County scorecard · all county Q&A · all scorecards.