Metro area index
Home appreciation in the Sebring, FL metro area
FHFA HPI® data shows the Sebring, FL metro area's all-transactions index changed +5.2% over the year to Q2 2026, versus +1.4% for Florida and +3.0% for the U.S. That ranks 93rd of 410 metro areas and divisions FHFA tracks.
- 1-year change
- +5.2%
- 5-year change
- +54.7%
- Since Q1 1995
- +334%
- Metro rank (1 year)
- 93rd
U.S. +3.0%
U.S. +41.3%
U.S. +292%
of 410
Sebring, FL vs Florida and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- Sebring, FL: 433.5
- Florida: 500.7
- United States: 391.6
Appreciation by time window
| Window | Metro | FL | U.S. | Gap vs FL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.2% | +1.4% | +3.0% | +3.8 pts | +2.1 pts |
| 3 years | +9.8% | +6.6% | +12.9% | +3.2 pts | −3.1 pts |
| 5 years | +54.7% | +46.0% | +41.3% | +8.7 pts | +13.5 pts |
| 10 years | +142% | +120% | +93.3% | +21.6 pts | +48.2 pts |
| Since Q1 1995 | +334% | +401% | +292% | −67.2 pts | +42.0 pts |
3-digit ZIP regions in the Sebring, FL area
Regions with at least 10% of their 2010 population inside the metro, largest overlap first. A 3-digit ZIP region can extend beyond the metro boundary.
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 | Population in metro |
|---|---|---|---|---|---|
| 338 · Lakeland, FL area | FL | +3.9% | +46.3% | +330% | 14% |
Boom, bust, and recovery in Sebring, FL area
Sebring, FL area's index peaked in Q1 2007, fell 52.0% to its low in Q4 2013, and regained its peak in Q3 2021, about 14.5 years after the top. Today it sits +53.4% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| Metro | Q1 2007 | Q4 2013 | -52.0% | Q3 2021 (14.5 yrs) | +53.4% |
| FL | Q4 2006 | Q2 2012 | -44.7% | Q1 2020 (13.2 yrs) | +72.0% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, Sebring, FL area's index has changed +95.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | Metro after inflation | FL after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | +1.3% | -2.4% | -0.8% |
| 3 years | +9.8% | -0.0% | -2.9% | +2.8% |
| 5 years | +24.0% | +24.8% | +17.7% | +13.9% |
| 10 years | +39.1% | +73.7% | +58.2% | +39.0% |
| Since Q1 1995 | +121% | +95.8% | +126% | +76.8% |
If you bought in the Sebring, FL area in…
An example $300,000 purchase grown at the metro index rate to Q2 2026.
| Bought in | Index change | $300,000 then, at the metro rate |
|---|---|---|
| Q2 1995 | +342% | $1,325,178 |
| Q2 2000 | +284% | $1,153,259 |
| Q2 2005 | +94.5% | $583,590 |
| Q2 2010 | +155% | $765,648 |
| Q2 2015 | +166% | $797,480 |
| Q2 2020 | +82.1% | $546,235 |
| Q2 2021 | +54.7% | $464,226 |
| Q2 2023 | +9.8% | $329,298 |
| Q2 2025 | +5.2% | $315,532 |
Frequently asked questions
- How much have home prices risen in the Sebring, FL area?
- FHFA HPI® data for the Sebring, FL metro area shows changes of +5.2% over one year, +54.7% over five years, and +142% over ten years to Q2 2026, and +334% since Q1 1995.
- Is the Sebring, FL area beating the national average?
- Over the past year the metro's index moved +2.1 pts versus the U.S.; over five years the gap is +13.5 pts.
- What area does this metro index cover?
- FHFA computes metro indexes using the counties in each OMB-defined metropolitan statistical area. The index covers the whole area, so individual neighborhoods and homes can differ from it.