RentData

Average Rent in Sebring, FL Rents rising 11.0% YoY

HUD FY2025 · Official government data · Updated annually · Metro pop. 103,808

Data review: HUD FY2025Sources: HUD, Zillow, CensusMethodologyEditorial standardsReport a correction

Market Overview

Sebring, FL has rental prices ranging from $850/month to $1,987/month in 2025, depending on unit size. The typical 1-bedroom apartment rents for $951/month — 32% below the national average of $1,400/month. With a median household income of $55,581/year, spending $951/month on a 1-bedroom represents 21% of gross income — within the recommended 30% threshold.

How Sebring Compares

With an average 2-bedroom rent of $1,240/month, Sebring ranks #26 most expensive of the 54 cities tracked in Florida — pricier than 84% of all US cities in our data.

The Sebring Rental Market

The Sebring, FL area has a population of about 103,808 and 21% of households renting rather than owning. That renter share runs below the US average of ~34%, a more homeowner-heavy market where rental inventory can be limited.

Rent Trends

2-bedroom rents in Sebring, FL have risen by $123/month (11.0%) over the past year, from $1,117 to $1,240. This rate of increase is significant and reflects strong rental demand and limited housing supply in the local market.

Affordability

To afford a 1-bedroom apartment in Sebring, FL without exceeding the 30% housing cost guideline, a renter needs an annual income of approximately $38,040. The local median household income of $55,581 exceeds that threshold by $17,541, making Sebring relatively accessible compared to local wages.

Rent vs. Buy

The median home value in Sebring, FL is $241,650, giving a price-to-rent ratio of 16.2. With a break-even horizon of approximately 16 years, renting is likely the more financially prudent option for most residents unless they plan to stay long-term.

Fair Market Rents

HUD FY2025
Studio
$850
Affordable
1 Bedroom
$951
Affordable
2 Bedrooms
$1,240
11.0% YoY
Affordable
3 Bedrooms
$1,525
Average
4 Bedrooms
$1,987
Expensive
🔔
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Median Home Value
$241,650
Source: Zillow ZHVI
Est. monthly payment
$1,286/mo
20% down · 30yr · 7%

Is Sebring, FL Affordable?

Income needed to rent or buy, price history, and how this city compares to nearby metros.

Affordability Index(30% income rule)

To rent a 2BR
$49,600/year
Local median income: $55,581
To buy a median home
$51,447/year
US national median: $75,000
💡 Based on a 2BR rent of $1,240/month and 20% down on a $241,650 home at 7% rate.

Nearby Cities in FLlargest metros in the state

CityStudio1BR2BR3BRHome Value
West Palm Beach$1,639$1,830$2,187$2,856
Miami$1,711$1,898$2,329$3,008
Fort Lauderdale$1,768$1,929$2,388$3,297
Tampa$1,566$1,686$1,978$2,533
Orlando$1,636$1,727$1,958$2,486
Jacksonville$1,381$1,454$1,730$2,163

Rent or Buy in Sebring?

Break-even analysis and mortgage estimates based on local market data.

Should I Rent or Buy?

Break-even analysis using real Sebring data

$
Home Value
$241,650
2BR Rent
$1,240/mo
Mortgage Rate
7%
Monthly P&I
$1,286/mo
🏠 Buy

Buying breaks even after 1 year — worth it if you stay 1+ years.

Total monthly buy cost: $1,780/movs rent: $1,240/mo
Estimates only. Excludes HOA, PMI (if <20% down), closing costs, and tax benefits. Assumes 5% return on invested down payment.

Mortgage Calculator

Estimate monthly payment for $241,650 home at 7% rate

20% — $48,330
3%50%
Estimated Monthly Payment
$1,286
per month · 30 years · 7% APR
Loan Amount
$193,320
Total Paid
$463,019
Total Interest
$269,699
Estimated only. Excludes taxes, insurance, HOA. Rate from FRED.

Living in Sebring

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🏘️Neighborhoods in Sebring

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⚖️Rent vs Buy in Sebring

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💵Rent Affordability in Sebring

Salary needed to afford rent here

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📋FL Tenant Rights

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