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City · 9,457 residents · Hernando County, Florida

Brooksville , Florida

In Brooksville, a typical home is worth $141,000 and typical rent is $1,137 a month. Compared with all of Hernando County, the typical home value is 49% lower, typical household income is 17% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $141,000

    49% below the county

    61% below Florida

    • Brooksville
    • Hernando
    • Florida

  • Typical rent

    $1,137a month

    12% below the county

    32% below Florida

    • Brooksville
    • Hernando
    • Florida

  • Typical household income

    $54,926a year

    17% below the county

    26% below Florida

    • Brooksville
    • Hernando
    • Florida

  • Households that own their home

    63%

    20 points below the county

    5 points below Florida

    • Brooksville
    • Hernando
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$305,543
1.6% less than 12 months ago
Typical rent
$1,619 a month
1.2% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Brooksville is in Hernando County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Hernando County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Brooksville apart

What this place has that others do not, from public data, most unusual first.

  1. Brooksville has the 8th lowest typical home value of the 480 cities in Florida with more than 5,000 people ($141,000).

  2. 63% of households in Brooksville own their home, against 83% in Hernando County.

  3. The typical household income in Brooksville is $54,926, 17% less than in Hernando County as a whole ($66,058).

  4. Brooksville has the 44th lowest typical rent of the 471 cities in Florida with more than 5,000 people ($1,137).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Brooksville

What homes there are in Brooksville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

No kind of home is the majority in Brooksville; the largest group, detached houses, adds up to 45%, less than in Hernando County (77%).

Mobile homes are 26% of homes in Brooksville, more than in Hernando County (14%).

Year built

The typical home in Brooksville was built in 1982, 9 years before the typical one in Hernando County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Hernando County is high ($541,287): at least 92% of owner-occupied homes in Brooksville are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,405 a month

Hernando County: $1,513 a month

Without a mortgage

$566 a month

Hernando County: $473 a month

Owners with a mortgage

35%

Hernando County: 55%

The typical cost for an owner with a mortgage in Brooksville is $1,405 a month, less than in Hernando County ($1,513); without one, $566.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Brooksville rose 129% since 2015–2019, more than in Hernando County (94%).

Rents in Brooksville rose faster than in Hernando County: 43% since 2015–2019, against 32%.

To compare: typical income in Brooksville rose 71%; the home, +129%; the rent, +43%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBrooksvilleHernando CountyFloridaUnited States
Rental vacancy Unreliable estimate7.7%7.6%5.5%
Homeowner vacancy Unreliable estimate0.8%1.4%0.9%
More than one person per room Unreliable estimate1.8%3.3%3.4%
People per household 2.162.492.512.53
Drive alone 77%73%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 12%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.16 on average, against 2.49 in Hernando County.

To get to work, 77% of workers in Brooksville drive alone; in Hernando County, 73%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Brooksville?

A typical home is within reach of the typical income

We start with a typical home in Brooksville, worth $141,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Brooksville, which is $54,926 a year.

The calculator's FHA and conventional loan limits are those of all of Hernando County.

Your numbers

Local data
$

Starts at the typical home value in Brooksville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $4,935 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,184

at 7.18% · 30 years

Loan amount
$138,446
Total interest
$199,192
Paid off in
November 2056

Includes $2,381 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,282 a month

    Your payment · 26%

  • Tight

    $1,282 to $1,648 a month

  • Hard

    more than $1,648 a month

Compared with the typical household income in Brooksville ($54,926 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,184
Principal & interest$938
Property tax$125
Home insurance$59
FHA mortgage insurance (MIP)$62

You need at least $4,935 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Brooksville and Hernando County

Brooksville is in Hernando County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Brooksville's own numbers

Typical home value
$141,000
Typical monthly rent
$1,137
Typical yearly household income
$54,926
Households that own their home
63%
Effective property tax rate
1.06%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Hernando County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,917
Price change over 5 years (FHFA)
+68%
Homes in a high flood-risk zone
5.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Hernando County.

Everything about Hernando County

Buying

Buying a home in Brooksville

A typical home in Brooksville is worth $141,000: 49% below the county and 61% below Florida. With the typical household income in Brooksville ($54,926 a year), a typical home costs 2.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Brooksville 2.6 years
  • Hernando 4.2 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hernando County

According to FHFA’s house price index, home prices in Hernando County rose 173% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Hernando County.

Period County Florida U.S.
Last year (2025) −0.6% −0.5% +2.9%
5 years (2020–2025) +68% +60% +47%
10 years (2015–2025) +173% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Brooksville next to Hernando County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Brooksville $141,000
  • Hernando $276,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Brooksville $1,137
  • Hernando $1,298
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Brooksville $54,926
  • Hernando $66,058
  • Florida $74,568
  • United States $80,734
See the full table
Brooksville next to Hernando County and Florida
Measure Brooksville Hernando County Florida U.S.
Typical home value $141,000 $276,000 $359,000 $332,700
Typical monthly rent $1,137 $1,298 $1,669 $1,413
Typical yearly household income $54,926 $66,058 $74,568 $80,734
Households that own their home 63% 83% 68% 65%
Typical yearly property tax $1,496 $1,858 $2,730 $3,119
Effective property tax rate 1.06% 0.67% 0.76% 0.94%
Renters with high rent for their income 63% 56% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hernando County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Brooksville

For a typical $141,000 home in Brooksville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brooksville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,184a month

    Least cash to close
    Down payment
    $4,935
    Cash to close
    $9,165
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $62

  • Conventional, 5% down $1,158a month

    Down payment
    $7,050
    Cash to close
    $11,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $67

  • Conventional, 20% down, no PMI $947a month

    Down payment
    $28,200
    Cash to close
    $32,430
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,078a month

    Down payment
    $21,150
    Cash to close
    $25,380
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Brooksville and for Hernando County.

Property tax

Effective rate in Brooksville

1.06%of the home’s value each year

$1,496 a year for the typical owner in Brooksville.

  • Brooksville 1.06%
  • Hernando 0.67%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Hernando County

FEMA does not publish these numbers by city: they are for all of Hernando County.

Homes in the high-risk zone
5.6%
4,770
Of those, with NFIP insurance
54%
County Florida U.S.
Homes in the high-risk zone 5.6% 13% 3.5%
Of those, with NFIP insurance 54% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Brooksville

Typical rent in Brooksville is $1,137 a month: 12% below the county. In Brooksville, 63% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hernando County, by unit size. To pay the 2-bedroom one ($1,917 a month) without spending more than 30% of your income, you would need to earn $36.87 an hour working full time.

HUD fair market rent for all of Hernando County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,597 $30.71 $63,880
1 bedroom $1,648 $31.69 $65,920
2 bedrooms $1,917 $36.87 $76,680
3 bedrooms $2,448 $47.08 $97,920
4 bedrooms $2,977 $57.25 $119,080

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Brooksville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brooksville is in ZIP code 34601.

For 2 bedrooms it is $1,410: $507 less than the fair market rent for Hernando County ($1,917).

  • 34601 $1,410$1,800

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Brooksville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Brooksville

HUD lists 9 buildings with rents for lower incomes in Brooksville. These are the largest.

  • Brook Haven 7781 Crystal Brook Cir, Brooksville 34601 160 low-income homes · 1 bd: 8 · 2 bd: 120 · 3 bd: 32 · In service since 2007 · For families
  • Vista Park Senior Living 12255 Cortez Blvd, Brooksville 34613 103 homes, 94 low-income · 1 bd: 53 · 2 bd: 39 · 3 bd: 11 · In service since 2015 · For older adults
  • Freedom Gardens II 932 Freedom Way, Brooksville 34601 94 low-income homes · 1 bd: 32 · 2 bd: 28 · 3 bd: 34 · In service since 2019
  • Magnolia Gardens 20180 Barnett Rd, Brooksville 34601 60 low-income homes · In service since 2012 · For older adults, families
  • Norbourne Estates I 600 Darby Ln, Brooksville 34601 45 homes, 44 low-income · In service since 1991

See all 21 buildings in Hernando County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Brooksville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Hernando County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Brooksville

No down payment, repair or rent-help program on our list is for Brooksville or Hernando County. The ones below are statewide in Florida: they work in Brooksville the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Brooksville

The HUD-approved agencies closest to the center of Brooksville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • University of Florida/Florida Cooperative Extension - Citrus County Cooperative Extension Service

    3650 W. Sovereign Path, Ste. 1, Lecanto · 22 miles away

    • Budget and financial counseling
    • Homebuyer education workshops
    (352) 527-5700

  • Community Legal Services of Mid-Florida, Inc. - Inverness Office

    106 N Osceola Ave, Inverness · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • Operation Hope- Tampa

    2208 E Fowler Ave, Tampa · 32 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (813) 867-9658

All counseling agencies in Florida

Help in Spanish near Brooksville

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Brooksville

HUD’s record names them for Brooksville or Hernando County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Florida Source: HUD

Cities

Other cities in Hernando County

These cities are also in Hernando County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hernando County Housing in Florida

Nearby cities

The cities closest to Brooksville, with the typical home value.

Neighboring counties

If Hernando County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Brooksville.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Brooksville

Short answers with the numbers for Brooksville and all of Hernando County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Brooksville?

The typical home value in Brooksville is $141,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hernando County it is $276,000.

How much does it cost to rent in Brooksville?

Typical rent in Brooksville is $1,137 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hernando County is $1,917.

What is the FHA loan limit in Brooksville?

Brooksville uses the FHA limit for all of Hernando County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Brooksville?

The typical homeowner in Brooksville pays $1,496 a year, according to the U.S. Census Bureau. That is 1.06% of the home’s value; in Hernando County, the rate is 0.67%.

Where can I find free help to buy or rent in Brooksville?

We found no HUD-approved counseling agencies with an office in Hernando County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).