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City · 12,215 residents · Citrus County, Florida

Citrus Springs , Florida

In Citrus Springs, a typical home is worth $240,000 and typical rent is $1,324 a month. Compared with all of Citrus County, typical household income is 20% higher and typical rent is 20% higher.

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  • Typical home value

    $240,000

    2% below the county

    33% below Florida

    • Citrus Springs
    • Citrus
    • Florida

  • Typical rent

    $1,324a month

    20% above the county

    21% below Florida

    • Citrus Springs
    • Citrus
    • Florida

  • Typical household income

    $68,011a year

    20% above the county

    9% below Florida

    • Citrus Springs
    • Citrus
    • Florida

  • Households that own their home

    86%

    1 points above the county

    19 points above Florida

    • Citrus Springs
    • Citrus
    • Florida

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

Citrus Springs 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Citrus Springs apart

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

  1. Nearby, in Beverly Hills, the typical home value is $164,500: 31% less than in Citrus Springs ($240,000).

  2. Nearby, in Hernando, the typical rent is $964: 27% less than in Citrus Springs ($1,324).

  3. The typical household income in Citrus Springs is $68,011, 20% more than in Citrus County as a whole ($56,546).

  4. The typical rent in Citrus Springs is $1,324 a month, 20% more than in Citrus County as a whole ($1,107).

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

The homes here

Housing in Citrus Springs

What homes there are in Citrus Springs, 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 Springs, 10 in 10 homes are single-family detached houses; in Citrus County, 7.

Year built

The typical home in Citrus Springs was built in 1998, 8 years after the typical one in Citrus 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
Monthly rent with utilities

With a mortgage

$1,273 a month

Citrus County: $1,354 a month

Without a mortgage

$366 a month

Citrus County: $447 a month

Owners with a mortgage

68%

Citrus County: 45%

In Citrus Springs, 68% of owners have a mortgage, and their typical cost is $1,273 a month, against $1,354 in Citrus County. Without one it drops to $366.

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 Springs rose 68%; in Citrus County, it rose 87%.

Rents in Citrus Springs rose more slowly than in Citrus County: 23% since 2015–2019, against 31%.

While home values in Citrus Springs changed +68% and rent +23%, the typical household income rose 39%.

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 SpringsCitrus CountyFloridaUnited States
Rental vacancy Unreliable estimate8.1%7.6%5.5%
Homeowner vacancy Unreliable estimate1.1%1.4%0.9%
More than one person per room Unreliable estimate1.7%3.3%3.4%
People per household 2.662.242.512.53
Drive alone 73%74%70%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%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

Households in Citrus Springs are bigger: 2.66 people on average; in Citrus County, 2.24.

To get to work, 73% of workers in Citrus Springs drive alone; in Citrus County, 74%.

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 Springs?

A typical home is tight for the typical income

We start with a typical home in Citrus Springs, worth $240,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Citrus Springs, which is $68,011 a year. For that payment to be 28% of income, a household would need to earn about $81,966 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Citrus Springs. 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 $8,400 (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

$1,913

at 7.18% · 30 years

Loan amount
$235,653
Total interest
$339,049
Paid off in
November 2056

Includes $4,053 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,587 a month

  • Tight

    $1,587 to $2,040 a month

    Your payment · 34%

  • Hard

    more than $2,040 a month

Compared with the typical household income in Citrus Springs ($68,011 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,913
Principal & interest$1,596
Property tax$110
Home insurance$100
FHA mortgage insurance (MIP)$106

You need at least $8,400 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 Springs and Citrus County

Citrus Springs 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 Springs's own numbers

Typical home value
$240,000
Typical monthly rent
$1,324
Typical yearly household income
$68,011
Households that own their home
86%
Effective property tax rate
0.55%

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.

Everything about Citrus County

Buying

Buying a home in Citrus Springs

A typical home in Citrus Springs is worth $240,000: 2% below the county and 33% below Florida. With the typical household income in Citrus Springs ($68,011 a year), a typical home costs 3.5 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 Springs 3.5 years
  • Citrus 4.3 years
  • Florida 4.8 years
  • United States 4.1 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.

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 Springs 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 Springs $240,000
  • Citrus $245,500
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Citrus Springs $1,324
  • Citrus $1,107
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Citrus Springs $68,011
  • Citrus $56,546
  • Florida $74,568
  • United States $80,734
See the full table
Citrus Springs next to Citrus County and Florida
Measure Citrus Springs Citrus County Florida U.S.
Typical home value $240,000 $245,500 $359,000 $332,700
Typical monthly rent $1,324 $1,107 $1,669 $1,413
Typical yearly household income $68,011 $56,546 $74,568 $80,734
Households that own their home 86% 85% 68% 65%
Typical yearly property tax $1,327 $1,430 $2,730 $3,119
Effective property tax rate 0.55% 0.58% 0.76% 0.94%
Renters with high rent for their income 56% 56% 60% 51%

“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 Springs

For a typical $240,000 home in Citrus Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Citrus Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,913a month

    Least cash to close
    Down payment
    $8,400
    Cash to close
    $15,600
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $106

  • Conventional, 5% down $1,869a month

    Down payment
    $12,000
    Cash to close
    $19,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $114

  • Conventional, 20% down, no PMI $1,511a month

    Down payment
    $48,000
    Cash to close
    $55,200
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,733a month

    Down payment
    $36,000
    Cash to close
    $43,200
    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 Springs and for Citrus County.

Property tax

Effective rate in Citrus Springs

0.55%of the home’s value each year

$1,327 a year for the typical owner in Citrus Springs.

  • Citrus Springs 0.55%
  • Citrus 0.58%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Citrus County

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

Homes in the high-risk zone
15%
12,092
Of those, with NFIP insurance
39%
County Florida U.S.
Homes in the high-risk zone 15% 13% 3.5%
Of those, with NFIP insurance 39% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Citrus Springs

Typical rent in Citrus Springs is $1,324 a month: 20% above the county. In Citrus Springs, 56% of renter households pay 30% or more of their income in rent.

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.

HUD fair market rent for all of Citrus 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 $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 Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Citrus Springs has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,350 in 34445 to $1,460 in 34433.

3 of the 3 are above the fair market rent for Citrus County ($1,194).

  • 34433 $1,460$2,020
  • 34434 $1,400$1,940
  • 34445 $1,350$1,870

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Citrus Springs 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 Springs

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.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Citrus Springs

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Citrus Springs

The HUD-approved agencies closest to the center of Citrus Springs, 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 · 12 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 · 13 miles away · Spanish

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

  • Ocala Housing Authority

    1629 NW 4th St, Ocala · 23 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (352) 369-2636

Every agency in Citrus County All counseling agencies in Florida

Help in Spanish near Citrus Springs

1 of the 3 agencies on this list says it serves 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 Springs

HUD’s record names them for Citrus Springs or Citrus 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 Citrus County

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

Everything about Citrus County Housing in Florida

Nearby cities

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

Neighboring counties

If Citrus 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 Springs.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Citrus Springs

Short answers with the numbers for Citrus Springs 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 Springs?

The typical home value in Citrus Springs is $240,000, 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 Springs?

Typical rent in Citrus Springs is $1,324 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 Springs?

Citrus Springs 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 Springs?

The typical homeowner in Citrus Springs pays $1,327 a year, according to the U.S. Census Bureau. That is 0.55% 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 Springs?

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.

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).