Highlands County Homes for Sale

the Florida Heartland · county seat Sebring · 103,808 residents

Highlands County is Sebring — the racing-and-lakes seat of Florida's inland Heartland — plus Avon Park and Lake Placid.

869 homes for saleMedian $234KBuyer's Marketthe Florida Heartland
Live Market Pulse
75/100
Momentum
Buyer's Market
Buyer 7/10 · Seller 4/10 · Investor 8/10. Among the most affordable markets in Central Florida; strong value for retirees and lake-and-rural buyers.
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Built fromZillow & Realtor.com datarealMLS listingsCensus & IRSUpdated monthly
LiveMarket PulseApril 2026
$234K
Median Value
-1.8%
1-Yr Price
79days
Avg DOM
18.4%
Price Cuts
Soft
Seller Leverage
$153/sf
Median $/Sqft
869
For Sale
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Highlands County is Sebring — the racing-and-lakes seat of Florida's inland Heartland — plus Avon Park and Lake Placid. It is a rural, very affordable, retiree-and-agriculture county on the Lake Wales Ridge, known for the Sebring International Raceway and a chain of clear lakes. For buyers that means real negotiating room; for sellers, sharp pricing and a willingness to offer a concession. The county median is a starting point — the number that matters is the one for a specific home in a specific Highlands County neighborhood, which is what we price against live comps."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Highlands County snapshot (April 2026): typical home value $234K ($153/sqft), median rent $1,533, about 869 active listings, a median 79 days on market, and 18.4% of listings cutting price — a buyer's market. Values are -1.8% over the past year and +7.3% over five years.

Highlands County's economy rests on a deep agricultural base — citrus, cattle, and the Lykes Brothers ranching operations among the region's largest — plus healthcare (AdventHealth Sebring and HCA), retirement services, and the tourism around Sebring International Raceway, the historic home of the 12 Hours of Sebring. Energy infrastructure (Gulfstream Natural Gas) and the county's government and schools round it out.

Entry
under $164K

Condos, townhomes, and starter homes — the lowest-cost way into Highlands County and its school zones.

Core
$164K–$304K

The heart of the market: established single-family homes and newer planned-community product.

Top
$304K+

Luxury, waterfront, acreage, and custom homes — the county's strongest-resale tier.

Rolled-up counts and medians from Realtor.com, April 2026. Price bands are typical ranges for orientation, not an appraisal.

Highlands County Market Scorecard

Buyer's Market

Highlands County is a buyer's market: about 869 active listings, a median list price of $294,450, 18.4% of them cutting price, and homes going under contract in about 79 days.

$234K
Typical value
220
New / mo
$153
$/sqft
79
Days on mkt
18.4%
Cut price
$1,533
Median rent
Typical home value · last 13 months $234K

Go deeper: county scorecard · all 67 counties · true cost calculator · affordability calculator.

Typical value & rent: Zillow Research. Listings & days on market: Realtor.com, April 2026. Market metrics describe homes for sale and recent sales, not residents.

Should You Buy, Sell, or Invest Here?

7/10
Buyer

Among the most affordable markets in Central Florida; strong value for retirees and lake-and-rural buyers.

4/10
Seller

Retiree-and-seasonal demand keeps it steady; pricing is value-driven.

8/10
Investor

Very low entry prices and steady retiree rental demand make Highlands an affordable, if slower-appreciating, market.

Cash offer
~$210K
  • Close in as little as 7–14 days
  • No repairs, cleaning, or showings
  • No financing fall-through
  • Pick your move-out date
List with Momentum
~$234Ktypical value
  • Often nets more, even after commission
  • Sells 1.25% above MLS average, 8 days faster
  • Full marketing & negotiation
  • We front the prep with our concierge

Figures are illustrative ranges, not an offer. Your actual cash offer and net-to-seller depend on the home's condition, location, and current Highlands County demand. Compare both at our Highlands County cash-offer page.

Schools in Highlands County

The School Board of Highlands County serves a small, rural district across Sebring, Avon Park, and Lake Placid.

  • Sebring High School
  • Avon Park High School
  • Lake Placid High School

Confirm the zoned assignment among the county's three high-school communities. See school-zone guides →

Taxes, Insurance & Cost to Own

A median-priced Highlands County home costs about $1,747/month all-in (mortgage, tax, and insurance, 10% down) against median household income of $55,581. Florida's homestead exemption removes up to $50,000 of assessed value, and Save Our Homes caps annual assessed-value increases at 3% while you keep the homestead.

Typical property-tax millage16.696 mills (~1.67% before exemptions)
Avg. homeowners insurance$1,753/yr (Citizens county avg)
Homestead exemptionUp to $50,000 + 3% Save Our Homes cap
Est. all-in monthly (PITI)$1,747/mo on a $234K home
Income to buy median home$69,898/yr (est.)

At about $1,753 a year on average, Highlands is middle-of-the-pack for Florida — manageable, but very address-dependent near the water. Wind-mitigation features earn insurance credits; flood insurance is priced separately by address. Run your own numbers with the true cost calculator.

New Construction in Highlands County

Builders pulled 768 residential permits last year (-21.6% YoY) — 706 single-family and 62 multifamily, about 7.4 per 1,000 residents. Active master-planned communities include Sun 'n Lake of Sebring; Spring Lake; Placid Lakes; Tanglewood (55+); Sebring Village. Builders compete on rate buydowns and closing-cost credits; buyer representation matters even on a new build. See active builders →

Population & Migration

Highlands County has about 103,808 residents. On a net domestic basis it gained roughly 1,558 people and a net +$57.94M in adjusted gross income in the latest IRS filing year (county-to-county moves within the U.S.; this does not count international migration or births). Migration is the demand engine behind prices: when more income flows in than out, it supports both rents and values.

12-Month Forecast

Expect Highlands to stay an affordable, value-driven market over the next 12 months, with steady retiree-and-seasonal demand, slow price movement, and the lakes and the raceway as enduring draws.

SebringCounty seat; the raceway, the historic circle downtown, and the lakes.
Avon ParkNorthern city and home of South Florida State College.
Lake PlacidThe 'Caladium Capital' and a mural-and-lakes town.
Placid Lakes / Sylvan ShoresAffordable lakefront communities.
Sun 'n LakeGolf-and-lake development near Sebring.

Economy & Major Employers

Highlands County's economy rests on a deep agricultural base — citrus, cattle, and the Lykes Brothers ranching operations among the region's largest — plus healthcare (AdventHealth Sebring and HCA), retirement services, and the tourism around Sebring International Raceway, the historic home of the 12 Hours of Sebring. Energy infrastructure (Gulfstream Natural Gas) and the county's government and schools round it out.

  • School Board of Highlands County
  • AdventHealth Sebring
  • HCA Florida Highlands Hospital
  • Lykes Brothers (agriculture)
  • Sebring Airport Authority / Sebring International Raceway
  • Highlands County government
  • Gulfstream Natural Gas

Sebring International Raceway, home of the 12 Hours of Sebring, is a signature local employer and tourism draw; agriculture (Lykes Brothers citrus and cattle) anchors the rural economy.

A deep, diversified employer base is what underpins housing demand through national cycles. Talk to a local Highlands County agent →

Master-plannedSun 'n Lake of Sebring, Spring Lake, Placid Lakes, Tanglewood (55+), Sebring Village
GolfSun 'n Lake (two courses), Spring Lake Golf, Country Club of Sebring
WaterfrontLake Jackson (Sebring), Lake Istokpoga, the Lake Placid chain
LuxuryLake Jackson waterfront, Sun 'n Lake premier sections, lakefront estates
55+ / active adultTanglewood, Sebring Village, Sun 'n Lake active-adult sections

Lifestyle in Highlands County

Highlands is the inland Heartland: the historic 12 Hours of Sebring endurance race, the clear lakes of the Lake Wales Ridge for bass fishing and boating (Lake Jackson, Lake Istokpoga), the famous caladium fields and murals of Lake Placid, Highlands Hammock State Park, and a slow, rural, affordable pace. It is a fishing-racing-and-retiree county far from the coastal crowds.

Risks to Weigh

Highlands' risks are rural-Florida ones: an economy heavily tied to agriculture and retirees, lake-and-low-lying flooding, and limited job diversity. It is well inland, so hurricane risk is wind-and-rain rather than surge, and insurance is among the more moderate in the state. Appreciation tends to be slow and steady.

Highlands County Real Estate FAQ

What is the median home price in Highlands County?
The typical Highlands County home is worth about $234K as of April 2026 (Zillow ZHVI), -1.8% over the past year. The median list price is similar; individual neighborhoods range widely around that figure.
Is Highlands County a buyer's or seller's market?
As of April 2026, Highlands County is a buyer's market. Homes are taking a median of 79 days to sell, and inventory has rebuilt from its lows, giving buyers more room to negotiate than in recent years.
Is Highlands County expensive?
Highlands County's price-to-income ratio is about 4.2×, which is below the typical Florida county. The bigger cost surprises for newcomers are property insurance and, in newer communities, CDD fees — not the sticker price.
What is the average rent in Highlands County?
The median rent is about $1,533 a month (Zillow ZORI). Against the typical home value, that is a gross rental yield near 7.9%.
Are property taxes high in Highlands County?
The typical millage is about 16.696 mills, or roughly 1.67% of taxable value before exemptions. Florida's $50,000 homestead exemption and the Save Our Homes 3% assessment cap meaningfully lower the bill for owner-occupants.
How much is homeowners insurance in Highlands County?
The Citizens county-average premium is about $1,753 a year, but your actual cost depends heavily on the home's age, roof, construction, and flood zone. Wind-mitigation credits can lower it; flood insurance is priced separately by address.
Is Highlands County a good place to invest in real estate?
Very low entry prices and steady retiree rental demand make Highlands an affordable, if slower-appreciating, market.
Is Highlands County growing?
Highlands County has about 103,808 residents and is still drawing net in-migration of people and income. Migration and jobs are the forces most likely to support prices through the rate cycle.
How long do homes take to sell in Highlands County?
A median of about 79 days on market as of April 2026, longer than the 2021-2022 frenzy and a sign of today's more balanced conditions.
What are the best areas to live in Highlands County?
The county seat, Sebring, anchors the market, and the right area depends on whether you prioritize schools, commute, the water, or new construction. Our neighborhood guides map each on price, schools, and lifestyle.
What is the price per square foot in Highlands County?
Listings in Highlands County are priced around the area's median per-square-foot rate as of April 2026; smaller, older, and inland homes run below it, while new construction and waterfront run above. Per-square-foot is most useful within a single neighborhood, not across the whole county.
How much income do I need to buy a home in Highlands County?
As a rough rule, a buyer needs household income roughly in line with the county's price-to-income ratio of 4.2× the home price, keeping total housing costs near 30% of income. Median household income here is $55,581. A lender pre-approval gives you the exact figure for your situation.
Is now a good time to buy in Highlands County?
It depends on your horizon. For buyers planning to stay several years, today's buyer's market conditions — more inventory and routine price cuts — offer better terms than the 2021-2022 peak. For short-term flips, flat appreciation makes the math tight. The right answer is specific to the home and your timeline.
Do I need flood insurance in Highlands County?
It depends on the address. Homes in FEMA high-risk flood zones (A or V) typically require flood insurance with a federally backed mortgage, and even outside those zones it can be worth carrying in low-lying or coastal parts of Highlands County. Flood premiums are priced separately by address under FEMA Risk Rating 2.0, so always check the flood zone before you buy.
Is Highlands County a good place to retire?
Florida's lack of a state income tax and the homestead/Save Our Homes protections make Highlands County attractive for retirees on a fixed income, especially in its 55+ and lower-maintenance communities. Weigh that against insurance costs and proximity to healthcare when you choose a specific area.
How fast are home prices rising in Highlands County?
Over the past year, the typical Highlands County home value moved -1.8%. Over five years it is +7.3% and over ten years +8.5% — so the long-run trend is up even though near-term growth has cooled.
What is the cost of living in Highlands County?
Housing, insurance, and property tax are the main local cost drivers; Florida charges no state income tax. A median-priced home runs about $1,747 a month all-in (mortgage, tax, and insurance), against median household income of $55,581 a year. Utilities, transportation, and healthcare track close to state averages.
What are the risks of buying in Highlands County?
The main ones are hurricane and flood exposure (which drive insurance costs), rising premiums statewide, and — in fast-growing submarkets — overbuilding that can soften resale and rents. On older condos, ask about reserves and special assessments. None are dealbreakers, but all belong in your budget before you offer.
Is Highlands County good for real estate investors?
Highlands County's estimated cap rate is about 7.9% with a gross yield near 7.9%, so it leans cash-flow-friendly. Net migration and the local job base are the demand signals that matter most for landlords here.
What counties are near Highlands County?
See the 'Explore more' section on this page for direct links to the neighboring county market reports, plus the full set of scorecards for all 67 Florida counties.
Has inventory in Highlands County gone up?
Yes — active listings are -3.1% versus a year ago. That rebuild from pandemic-era lows is the single biggest reason buyers have more leverage now than they did in 2021-2022.
Is Highlands County a good place to retire on a budget?
Yes — Sebring, Avon Park, and Lake Placid are among the most affordable places to retire in Central Florida, with clear lakes for fishing and boating, golf, a slow rural pace, and home prices well below the coasts. The trade-offs are limited job diversity (it's a retiree-and-agriculture economy), fewer big-city amenities, and a long drive to either coast.

or call (904) 351-6461 · jon@movewithmomentum.com