Market Overview
Home Prices in White Springs, FL
The median home value in White Springs, FL is $224,721 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.8% compared to a year ago and down 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in White Springs are priced45% below average. White Springs is part of the Lake City, FL metro area.
Over the past five years, White Springs home values have risen by approximately34.6%, reflecting strong long-term appreciation in this market.
Price History
White Springs Home Price Trend
City Comparison
White Springs vs. National Median
At $224,721, homes in White Springs cost 45% below the national median of $410,000. This makes White Springs a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in White Springs?
20% Down Payment
$44,944
on $224,721
Monthly P&I
$1,172/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,488/mo
incl. taxes & insurance
Income Needed
$59,520
gross annual (30% rule)
10% Down Option
$22,472
+ PMI applies
Loan Amount (20% dn)
$179,777
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in White Springs, FL?
The median home value in White Springs is $224,721 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.8% year-over-year.
How much have home prices changed in White Springs?
Over the past year, home values in White Springs have increased by 0.8%. Over five years, prices have risen approximately 34.6%.
How much do I need to earn to buy a home in White Springs?
To comfortably afford the median home price of $224,721 with a 20% down payment ($44,944) at today's rates (6.8%), you'd need a gross annual income of approximately $59,520. This assumes keeping total housing costs at or below 30% of gross income.
How does White Springs compare to the national average home price?
The national median home value is approximately $410,000. At $224,721, homes in White Springs are 45% below the national average.
What metro area is White Springs part of?
White Springs is part of the Lake City, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.