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City · 28,804 residents · Hillsborough County, Florida

Citrus Park , Florida

In Citrus Park, a typical home is worth $385,000 and typical rent is $1,891 a month. Compared with all of Hillsborough County, typical household income is 17% higher and typical rent is 13% higher.

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  • Typical home value

    $385,000

    4% above the county

    7% above Florida

    • Citrus Park
    • Hillsborough
    • Florida

  • Typical rent

    $1,891a month

    13% above the county

    13% above Florida

    • Citrus Park
    • Hillsborough
    • Florida

  • Typical household income

    $93,457a year

    17% above the county

    25% above Florida

    • Citrus Park
    • Hillsborough
    • Florida

  • Households that own their home

    66%

    5 points above the county

    1 points below Florida

    • Citrus Park
    • Hillsborough
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$421,744
about the same as 12 months ago
Typical rent
$2,061 a month
1.3% less than 12 months ago

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

Citrus Park is in Hillsborough 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 Hillsborough County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Citrus Park apart

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

  1. The typical household income in Citrus Park is $93,457, 17% more than in Hillsborough County as a whole ($79,540).

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

The homes here

Housing in Citrus Park

What homes there are in Citrus Park, 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

In Citrus Park, 6 in 10 homes are single-family detached houses; in Hillsborough County, 6.

Year built

By age, homes in Citrus Park look like those in Hillsborough County: the typical year built is 1993.

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
Monthly rent with utilities

With a mortgage

$1,975 a month

Hillsborough County: $2,003 a month

Without a mortgage

$614 a month

Hillsborough County: $657 a month

Owners with a mortgage

70%

Hillsborough County: 64%

The typical cost for an owner with a mortgage in Citrus Park is $1,975 a month, near the figure in Hillsborough County ($2,003).

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

From 2015–2019 to 2020–2024, the typical home value in Citrus Park rose 60%; in Hillsborough County, it rose 72%.

Rents in Citrus Park rose at about the same pace as in Hillsborough County: 45% since 2015–2019, against 46%.

The typical household income in Citrus Park rose 36%: less than home values (+60%) and rent (+45%).

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

MeasureCitrus ParkHillsborough CountyFloridaUnited States
Rental vacancy Unreliable estimate6.4%7.6%5.5%
Homeowner vacancy Unreliable estimate1.1%1.4%0.9%
More than one person per room 3.0%3.1%3.3%3.4%
People per household 2.602.562.512.53
Drive alone 66%67%70%69%
Carpool 8%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 23%21%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Hillsborough County, 3.0% of households in Citrus Park have more than one person per room.

Much as in Hillsborough County, a household in Citrus Park has 2.60 people on average.

In Citrus Park, 66% of workers drive alone to work; in Hillsborough County, 67%.

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 Citrus Park?

A typical home costs more than the typical income allows

We start with a typical home in Citrus Park, worth $385,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Citrus Park, which is $93,457 a year. For that payment to be 28% of income, a household would need to earn about $133,550 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Citrus Park. 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 $13,475 (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

$3,116

at 7.18% · 30 years

Loan amount
$378,027
Total interest
$543,892
Paid off in
November 2056

Includes $6,502 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,181 a month

  • Tight

    $2,181 to $2,804 a month

  • Hard

    more than $2,804 a month

    Your payment · 40%

Compared with the typical household income in Citrus Park ($93,457 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,116
Principal & interest$2,561
Property tax$225
Home insurance$160
FHA mortgage insurance (MIP)$170

You need at least $13,475 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

Citrus Park and Hillsborough County

Citrus Park is in Hillsborough 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 Park's own numbers

Typical home value
$385,000
Typical monthly rent
$1,891
Typical yearly household income
$93,457
Households that own their home
66%
Effective property tax rate
0.7%

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

Numbers for all of Hillsborough 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)
+63%
Homes in a high flood-risk zone
13%

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 Hillsborough County.

Everything about Hillsborough County

Buying

Buying a home in Citrus Park

A typical home in Citrus Park is worth $385,000: 4% above the county and 7% above Florida. With the typical household income in Citrus Park ($93,457 a year), a typical home costs 4.1 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 Park 4.1 years
  • Hillsborough 4.7 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hillsborough County

According to FHFA’s house price index, home prices in Hillsborough County rose 140% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) +1.7% −0.5% +2.9%
5 years (2020–2025) +63% +60% +47%
10 years (2015–2025) +140% +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 Park next to Hillsborough 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 Park $385,000
  • Hillsborough $371,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Citrus Park $1,891
  • Hillsborough $1,667
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Citrus Park $93,457
  • Hillsborough $79,540
  • Florida $74,568
  • United States $80,734
See the full table
Citrus Park next to Hillsborough County and Florida
Measure Citrus Park Hillsborough County Florida U.S.
Typical home value $385,000 $371,500 $359,000 $332,700
Typical monthly rent $1,891 $1,667 $1,669 $1,413
Typical yearly household income $93,457 $79,540 $74,568 $80,734
Households that own their home 66% 61% 68% 65%
Typical yearly property tax $2,704 $3,010 $2,730 $3,119
Effective property tax rate 0.7% 0.81% 0.76% 0.94%
Renters with high rent for their income 59% 58% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hillsborough 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 Park

For a typical $385,000 home in Citrus Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Citrus Park's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,116a month

    Least cash to close
    Down payment
    $13,475
    Cash to close
    $25,025
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $170

  • Conventional, 5% down $3,046a month

    Down payment
    $19,250
    Cash to close
    $30,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $183

  • Conventional, 20% down, no PMI $2,471a month

    Down payment
    $77,000
    Cash to close
    $88,550
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,827a month

    Down payment
    $57,750
    Cash to close
    $69,300
    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 Citrus Park and for Hillsborough County.

Property tax

Effective rate in Citrus Park

0.7%of the home’s value each year

$2,704 a year for the typical owner in Citrus Park.

  • Citrus Park 0.7%
  • Hillsborough 0.81%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Hillsborough County

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

Homes in the high-risk zone
13%
56,828
Of those, with NFIP insurance
61%
County Florida U.S.
Homes in the high-risk zone 13% 13% 3.5%
Of those, with NFIP insurance 61% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Citrus Park

Typical rent in Citrus Park is $1,891 a month: 13% above the county. In Citrus Park, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hillsborough 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 Hillsborough 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 Citrus Park

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Citrus Park has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,150 in 33556 to $2,250 in 33625.

2 of the 2 are above the fair market rent for Hillsborough County ($1,917).

  • 33556 $2,150$2,750
  • 33625 $2,250$2,870

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 Park 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?

Free help

Help to buy or rent in Citrus Park

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 8 HUD-approved agencies with an office in Hillsborough County; 7 say they serve in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Citrus Park

1 program is for Citrus Park or Hillsborough County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Florida: they work in Citrus Park the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Citrus Park

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

  • NSC (naca Counseling Subsidiary) - Tampa, FL

    3824 W. Sligh Avenue, Tampa · 5 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (813) 287-5051

  • Housing and Education Alliance

    9215 N Florida Ave Ste 104, Tampa · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 3 more
    (813) 932-4663

  • Operation Hope- Tampa

    2208 E Fowler Ave, Tampa · 8 miles away · Spanish

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

Every agency in Hillsborough County All counseling agencies in Florida

Help in Spanish near Citrus Park

3 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 Citrus Park

In HUD’s record, no housing authority with an office in Hillsborough County is named for Citrus Park or Hillsborough County.

2 other authorities have an office in Hillsborough County: see the list Source: HUD

Cities

Other cities in Hillsborough County

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

Everything about Hillsborough County Housing in Florida
See 19 more cities in Hillsborough County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Citrus Park, with the typical home value.

Neighboring counties

If Hillsborough 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 Citrus Park.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Citrus Park

Short answers with the numbers for Citrus Park and all of Hillsborough 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 Park?

The typical home value in Citrus Park is $385,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hillsborough County it is $371,500.

How much does it cost to rent in Citrus Park?

Typical rent in Citrus Park is $1,891 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hillsborough County is $1,917.

What is the FHA loan limit in Citrus Park?

Citrus Park uses the FHA limit for all of Hillsborough 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 Park?

The typical homeowner in Citrus Park pays $2,704 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Hillsborough County, the rate is 0.81%.

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

There are 8 HUD-approved counseling agencies with an office in Hillsborough County. 7 say they serve in Spanish. 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).