In Citrus Hills, a typical home is worth $436,600 and typical rent is $1,527 a month. Compared with all of Citrus County, the typical home value is 78% higher, typical household income is 52% higher, and the share of households that own their home is 7 points higher.
Citrus Hills is in Citrus 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 Citrus County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Citrus Hills is worth $436,600,78% more than in Citrus County as a whole ($245,500).
2
Nearby, in Beverly Hills, the typical home value is $164,500: 62% less than in Citrus Hills ($436,600).
3
The typical household income in Citrus Hills is $85,837,52% more than in Citrus County as a whole ($56,546).
4
Citrus Hills has the 18th highest homeownership rate of the 481 cities in Florida with more than 5,000 people (92%).
5
Nearby, in Hernando, the typical rent is $964: 37% less than in Citrus Hills ($1,527).
6
The typical rent in Citrus Hills is $1,527 a month, 38% more than in Citrus County as a whole ($1,107).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Citrus Hills
What homes there are in Citrus Hills, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Citrus Hills
Citrus County
Florida
United States
Kind of home: Citrus Hills and its comparisons
Measure
Citrus Hills
Citrus County
Florida
United States
Detached house
87%
70%
55%
61%
Attached house
3%
3%
7%
6%
Building of 2 to 4
Unreliable estimate
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
3%
25%
19%
Mobile home
Unreliable estimate
21%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 87% of homes here, against 70% in Citrus County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Citrus Hills
Citrus County
Florida
United States
Year built: Citrus Hills and its comparisons
Measure
Citrus Hills
Citrus County
Florida
United States
Before 1960
Unreliable estimate
3%
10%
26%
1960–1979
Unreliable estimate
22%
24%
24%
1980–1999
35%
43%
34%
25%
2000–2009
39%
20%
18%
14%
2010 or later
23%
12%
14%
11%
The typical home in Citrus Hills was built in 2003, 13 years after the typical one in Citrus County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K4%
$200K–$300K14%
$300K–$500K45%
$500K–$750K26%
$750K–$1M6%
$1M or moreUnreliable
Value of owner-occupied homes: Citrus Hills and its comparisons
Measure
Citrus Hills
Under $100K
Unreliable estimate
$100K–$200K
4%
$200K–$300K
14%
$300K–$500K
45%
$500K–$750K
26%
$750K–$1M
6%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Citrus Hills and its comparisons
Measure
Citrus Hills
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,811 a month
Citrus County: $1,354 a month
Without a mortgage
$679 a month
Citrus County: $447 a month
Owners with a mortgage
45%
Citrus County: 45%
Owning costs more in Citrus Hills: with a mortgage, the typical cost is $1,811 a month; in Citrus County, $1,354. Without one, $679.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Citrus Hills+76%
Citrus County+87%
Florida+67%
United States+53%
Typical rent
Citrus HillsNo clear change
Citrus County+31%
Florida+42%
United States+33%
Typical household income
Citrus Hills+23%
Citrus County+28%
Florida+34%
United States+29%
Change since 2015–2019: Citrus Hills and its comparisons
Measure
Citrus Hills
Citrus County
Florida
United States
Typical home value
+76%
+87%
+67%
+53%
Typical rent
No clear change
+31%
+42%
+33%
Typical household income
+23%
+28%
+34%
+29%
The typical home value in Citrus Hills rose 76% since 2015–2019, less than in Citrus County (87%).
The typical rent in Citrus Hills stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Citrus Hills and its comparisons
Measure
Citrus Hills
Citrus County
Florida
United States
Rental vacancy
Unreliable estimate
8.1%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.4%
0.9%
More than one person per room
Unreliable estimate
1.7%
3.3%
3.4%
People per household
2.04
2.24
2.51
2.53
Drive alone
65%
74%
70%
69%
Carpool
Unreliable estimate
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
22%
14%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Citrus Hills has 2.04 people, fewer than in Citrus County (2.24).
In Citrus Hills, 22% of workers work from home, more than in Citrus County (14%).
Do the math
What would you pay each month for a home in Citrus Hills?
A typical home costs more than the typical income allows
We start with a typical home in Citrus Hills, worth $436,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Citrus Hills, which is $85,837 a year. For that payment to be 28% of income, a household would need to earn about $152,385 a year.
The calculator's FHA and conventional loan limits are those of all of Citrus County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Citrus Hills. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $15,281 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,556
at 7.18% · 30 years
Loan amount
$428,692
Total interest
$616,787
Paid off in
November 2056
Includes $7,373 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,003 a month
Tight
$2,003 to $2,575 a month
Hard
more than $2,575 a month
Your payment · 50%
Compared with the typical household income in Citrus Hills ($85,837 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,904
Property tax
$277
Home insurance
$182
FHA mortgage insurance (MIP)
$193
You need at least $15,281 for the down payment, plus closing costs.
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.
Total monthly payment $3,556; principal and interest $2,904.
The city and its county
Citrus Hills and Citrus County
Citrus Hills is in Citrus 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).
Citrus Hills
Map of Citrus County, Florida, with Citrus Hills marked. Around it, the neighboring counties.
Citrus Hills
Citrus County
Other cities with a page
Citrus Hills's own numbers
Typical home value
$436,600
Typical monthly rent
$1,527
Typical yearly household income
$85,837
Households that own their home
92%
Effective property tax rate
0.76%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Citrus County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,194
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
15%
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 Citrus County.
A typical home in Citrus Hills is worth $436,600: 78% above the county and 22% above Florida. With the typical household income in Citrus Hills ($85,837 a year), a typical home costs 5.1 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.
Citrus Hills5.1 years
Citrus4.3 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Citrus County
According to FHFA’s house price index, home prices in Citrus County rose 157% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Citrus County.
Yearly change in FHFA’s price index in Citrus County, 2016 to 2025
2016: +7.6% +7.6% 2016
2017: +12.3% +12.3% 2017
2018: +12.5% +12.5% 2018
2019: +5.7% +5.7% 2019
2020: +7.5% +7.5% 2020
2021: +18.8% +18.8% 2021
2022: +24.8% +24.8% 2022
2023: +8.1% +8.1% 2023
2024: +2.8% +2.8% 2024
2025: +1.0% +1.0% 2025
Change in FHFA’s price index in Citrus County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
+1.0%
−0.5%
+2.9%
5 years (2020–2025)
+66%
+60%
+47%
10 years (2015–2025)
+157%
+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
Citrus Hills next to Citrus 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
Citrus Hills$436,600
Citrus$245,500
Florida$359,000
United States$332,700
Typical monthly rent
Citrus Hills$1,527
Citrus$1,107
Florida$1,669
United States$1,413
Typical yearly household income
Citrus Hills$85,837
Citrus$56,546
Florida$74,568
United States$80,734
See the full table
Citrus Hills next to Citrus County and Florida
Measure
Citrus Hills
Citrus County
Florida
U.S.
Typical home value
$436,600 ▲78% above the county
$245,500
$359,000
$332,700
Typical monthly rent
$1,527 ▲38% above the county
$1,107
$1,669
$1,413
Typical yearly household income
$85,837 ▲52% above the county
$56,546
$74,568
$80,734
Households that own their home
92% ▲7 points above the county
85%
68%
65%
Typical yearly property tax
$3,315 ▲132% above the county
$1,430
$2,730
$3,119
Effective property tax rate
0.76% ▲0.18 points above the county
0.58%
0.76%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Citrus 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 Citrus Hills
For a typical $436,600 home in Citrus Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Citrus Hills's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,556a month
Least cash to close
Down payment
$15,281
Cash to close
$28,379
Rate
7.18%
Mortgage insurance
FHA MIP · $193
Conventional, 5% down$3,476a month
Down payment
$21,830
Cash to close
$34,928
Rate
7.18%
Mortgage insurance
PMI · $207
Conventional, 20% down, no PMI$2,825a month
Down payment
$87,320
Cash to close
$100,418
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,228a month
Down payment
$65,490
Cash to close
$78,588
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Citrus Hills
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,556
$15,281
$428,692
7.18%
FHA MIP · $193
$28,379
580
Conventional, 5% down
$3,476
$21,830
$414,770
7.18%
PMI · $207
$34,928
620*
Conventional, 20% down, no PMI
$2,825
$87,320
$349,280
7.18%
None
$100,418
620*
ITIN, 15% down (example)
$3,228
$65,490
$371,110
8.18%
None
$78,588
Set by the lender
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.
Typical rent in Citrus Hills is $1,527 a month: 38% above the county.
HUD publishes a fair market rent for all of Citrus County, by unit size. To pay the 2-bedroom one ($1,194 a month) without spending more than 30% of your income, you would need to earn $22.96 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Citrus County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$985
$18.94
$39,400
1 bedroom
$988
$19.00
$39,520
2 bedrooms
$1,194
$22.96
$47,760
3 bedrooms
$1,653
$31.79
$66,120
4 bedrooms
$1,993
$38.33
$79,720
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 Citrus Hills
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Citrus Hills has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,110 in 34442 to $1,120 in 34453.
None is above the fair market rent for Citrus County ($1,194).
Fair market rent by ZIP code and size in Citrus Hills, fiscal year 2027.
34442
$890
$890
$1,110
$1,540
$1,820
34453
$920
$930
$1,120
$1,550
$1,870
ZIP code2 bd3 bd
34442 $1,110$1,540
34453 $1,120$1,550
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Citrus Hills 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
There are 2 HUD-approved agencies with an office in Citrus County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Citrus Hills or Citrus County. The ones below are statewide in Florida: they work in Citrus Hills the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of Citrus Hills, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
UF
University of Florida/Florida Cooperative Extension - Citrus County Cooperative Extension Service
3650 W. Sovereign Path, Ste. 1, Lecanto · 6 miles away
No legal help resource on our list is for Citrus Hills or Citrus County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Citrus Hills and all of Citrus 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 Citrus Hills?
The typical home value in Citrus Hills is $436,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Citrus County it is $245,500.
How much does it cost to rent in Citrus Hills?
Typical rent in Citrus Hills is $1,527 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Citrus County is $1,194.
What is the FHA loan limit in Citrus Hills?
Citrus Hills uses the FHA limit for all of Citrus 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 Citrus Hills?
The typical homeowner in Citrus Hills pays $3,315 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Citrus County, the rate is 0.58%.
Where can I find free help to buy or rent in Citrus Hills?
There are 2 HUD-approved counseling agencies with an office in Citrus County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
