Citrus County, FL Average Home Price (2026)
The average home price in Citrus County, Florida is about $262,000 (the 2026 median across 13 ZIP codes, at ~$185/sq ft) — 24% more affordable than the Florida median and 9% more affordable than the typical U.S. home.
How Citrus County compares
Citrus County is about average for housing nationally: its typical home costs $262,000 against $345,000 for Florida and $289,000 for the U.S. Within the county, ZIP-level values run from about $229,000 to $354,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Citrus County | $262,000 | $185 |
| Florida | $345,000 | $229 |
| United States | $289,000 | $193 |
Cities in Citrus County
Cities with their own home-value page, largest first:
Citrus County home prices by ZIP code
The 13 most valuable ZIP codes in Citrus County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 34442 Hernando | $354,000 | $208 | +35% |
| 34461 Lecanto | $320,000 | $190 | +22% |
| 34446 Homosassa | $316,000 | $167 | +21% |
| 34428 Crystal River | $293,000 | $235 | +12% |
| 34433 Dunnellon | $270,000 | $172 | +3% |
| 34448 Homosassa | $264,000 | $236 | +1% |
| 34436 Floral City | $262,000 | $203 | +0% |
| 34434 Dunnellon | $253,000 | $171 | -3% |
| 34450 Inverness | $252,000 | $185 | -4% |
| 34429 Crystal River | $249,000 | $182 | -5% |
| 34453 Inverness | $237,000 | $195 | -10% |
| 34465 Beverly Hills | $234,000 | $178 | -11% |
| 34452 Inverness | $229,000 | $182 | -13% |
Home value appreciation in Citrus County
Home prices in Citrus County have risen about 157% over the last 10 years (≈9.9% a year) and +84.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.0% — still rising. A home worth $262,000 today was worth roughly $101,985 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Florida is +126.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Citrus County
Run the numbers for Citrus County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Citrus County
To buy the typical $262,000 home in Citrus County with 20% down, you need a household income of roughly $71,000 a year (about $1,660 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $85,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,100 | $2,070/mo | $89,000/yr |
| 10% (+PMI) | $26,200 | $1,980/mo | $85,000/yr |
| 20% | $52,400 | $1,660/mo | $71,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Citrus County
At about $185 per square foot, here is roughly how much home different budgets get you in Citrus County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 810 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1080 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1350 sq ft | around the typical home here |
| $300k | 1620 sq ft | around the typical home here |
| $400k | 2160 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Florida.
Estimate a specific home in Citrus County
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Citrus County home prices: frequently asked
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Browse all Florida cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.