Citrus County, Florida home prices
Typical home $268,688 · -0.8% in a year · property tax 0.58%
The typical home in Citrus County is worth $268,688, 28% less than the Florida typical home ($375,361). Values changed -0.8% in the past year and +16.0% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($1,565 on the typical home), versus 0.8% statewide.
Mortgage on the typical Citrus County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,738 | $214,951 | $1,446 | $0 | $265 | $1,711 | $73,300 |
| 10% down | $26,869 | $241,819 | $1,627 | $101 | $265 | $1,992 | $85,400 |
| 5% down | $13,434 | $255,254 | $1,717 | $106 | $265 | $2,088 | $89,500 |
| 3.5% down (FHA) | $9,404 | $263,822 | $1,775 | $119 | $265 | $2,158 | $92,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Homosassa Springs metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Marion County | $267,911 | -2.2% | 0.74% |
| Columbia County | $267,659 | -0.0% | 0.74% |
| Hendry County | $270,219 | -4.1% | 0.8% |
| Suwannee County | $266,652 | +2.5% | 0.71% |
| Lafayette County | $262,301 | +4.9% | 0.55% |
| Escambia County | $280,027 | +1.4% | 0.58% |
| Glades County | $257,042 | -2.8% | 0.85% |
| Union County | $256,560 | +0.5% | 0.58% |
| Bradford County | $252,646 | +4.0% | 0.55% |
| Wakulla County | $285,880 | +0.9% | 0.64% |
Frequently asked questions
What is the average home price in Citrus County, FL?
The typical home value in Citrus County is $268,688 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Citrus County?
About $73,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Citrus County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).