In Homosassa Springs, a typical home is worth $158,200 and typical rent is $939 a month. Compared with all of Citrus County, the typical home value is 36% lower and typical rent is 15% lower.
Homosassa 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
What this place has that others do not, from public data, most unusual first.
1
Homosassa Springs has the 15th lowest typical home value of the 480 cities in Florida with more than 5,000 people ($158,200).
2
Homosassa Springs has the 15th lowest typical rent of the 471 cities in Florida with more than 5,000 people ($939).
3
The typical household income in Homosassa Springs is $48,049,15% less than in Citrus County as a whole ($56,546).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Homosassa Springs
What homes there are in Homosassa 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Homosassa Springs
Citrus County
Florida
United States
Kind of home: Homosassa Springs and its comparisons
Measure
Homosassa Springs
Citrus County
Florida
United States
Detached house
43%
70%
55%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
Unreliable estimate
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
3%
25%
19%
Mobile home
53%
21%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Homes here are varied: mobile homes are 53% of them, more than in Citrus County (21%), and no kind reaches half.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Homosassa Springs
Citrus County
Florida
United States
Year built: Homosassa Springs and its comparisons
Measure
Homosassa Springs
Citrus County
Florida
United States
Before 1960
Unreliable estimate
3%
10%
26%
1960–1979
21%
22%
24%
24%
1980–1999
53%
43%
34%
25%
2000–2009
14%
20%
18%
14%
2010 or later
10%
12%
14%
11%
The typical year built in Homosassa Springs is 1988, about the same as in Citrus County (1990).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K33%
$100K–$200K34%
$200K–$300K21%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Homosassa Springs and its comparisons
Measure
Homosassa Springs
Under $100K
33%
$100K–$200K
34%
$200K–$300K
21%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 98% of owner-occupied homes in Homosassa Springs sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99946%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Homosassa Springs and its comparisons
Measure
Homosassa Springs
Under $500
Unreliable estimate
$500–$999
46%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,133 a month
Citrus County: $1,354 a month
Without a mortgage
$316 a month
Citrus County: $447 a month
Owners with a mortgage
38%
Citrus County: 45%
In Homosassa Springs, 38% of owners have a mortgage, and their typical cost is $1,133 a month, against $1,354 in Citrus County. Without one it drops to $316.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Homosassa Springs+90%
Citrus County+87%
Florida+67%
United States+53%
Typical rent
Homosassa SpringsNo clear change
Citrus County+31%
Florida+42%
United States+33%
Typical household income
Homosassa Springs+18%
Citrus County+28%
Florida+34%
United States+29%
Change since 2015–2019: Homosassa Springs and its comparisons
Measure
Homosassa Springs
Citrus County
Florida
United States
Typical home value
+90%
+87%
+67%
+53%
Typical rent
No clear change
+31%
+42%
+33%
Typical household income
+18%
+28%
+34%
+29%
Since 2015–2019, homes in Homosassa Springs gained value faster than in Citrus County: 90% against 87%.
The typical rent in Homosassa Springs 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: Homosassa Springs and its comparisons
Measure
Homosassa Springs
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
2.54
2.24
2.51
2.53
Drive alone
81%
74%
70%
69%
Carpool
9%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
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 Homosassa Springs has 2.54 people, more than in Citrus County (2.24).
To get to work, 81% of workers in Homosassa Springs drive alone; in Citrus County, 74%.
Do the math
What would you pay each month for a home in Homosassa Springs?
A typical home is tight for the typical income
We start with a typical home in Homosassa Springs, worth $158,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Homosassa Springs, which is $48,049 a year. For that payment to be 28% of income, a household would need to earn about $53,747 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 Homosassa Springs. 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 $5,537 (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
$1,254
at 7.18% · 30 years
Loan amount
$155,335
Total interest
$223,490
Paid off in
November 2056
Includes $2,672 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,121 a month
Tight
$1,121 to $1,441 a month
Your payment · 31%
Hard
more than $1,441 a month
Compared with the typical household income in Homosassa Springs ($48,049 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,052
Property tax
$66
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,537 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 $1,254; principal and interest $1,052.
The city and its county
Homosassa Springs and Citrus County
Homosassa 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).
Homosassa Springs
Map of Citrus County, Florida, with Homosassa Springs marked. Around it, the neighboring counties.
Homosassa Springs
Citrus County
Other cities with a page
Homosassa Springs's own numbers
Typical home value
$158,200
Typical monthly rent
$939
Typical yearly household income
$48,049
Households that own their home
86%
Effective property tax rate
0.5%
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 Homosassa Springs is worth $158,200: 36% below the county and 56% below Florida. With the typical household income in Homosassa Springs ($48,049 a year), a typical home costs 3.3 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.
Homosassa Springs3.3 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
Homosassa 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
Homosassa Springs$158,200
Citrus$245,500
Florida$359,000
United States$332,700
Typical monthly rent
Homosassa Springs$939
Citrus$1,107
Florida$1,669
United States$1,413
Typical yearly household income
Homosassa Springs$48,049
Citrus$56,546
Florida$74,568
United States$80,734
See the full table
Homosassa Springs next to Citrus County and Florida
Measure
Homosassa Springs
Citrus County
Florida
U.S.
Typical home value
$158,200 ▼36% below the county
$245,500
$359,000
$332,700
Typical monthly rent
$939 ▼15% below the county
$1,107
$1,669
$1,413
Typical yearly household income
$48,049 ▼15% below the county
$56,546
$74,568
$80,734
Households that own their home
86% ▲1 points above the county
85%
68%
65%
Typical yearly property tax
$787 ▼45% below the county
$1,430
$2,730
$3,119
Effective property tax rate
0.5% ▼0.08 points below the county
0.58%
0.76%
0.94%
Renters with high rent for their income
55% ▼1 points below the county
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 Homosassa Springs
For a typical $158,200 home in Homosassa Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Homosassa Springs's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,254a month
Least cash to close
Down payment
$5,537
Cash to close
$10,283
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,225a month
Down payment
$7,910
Cash to close
$12,656
Rate
7.18%
Mortgage insurance
PMI · $75
Conventional, 20% down, no PMI$989a month
Down payment
$31,640
Cash to close
$36,386
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,135a month
Down payment
$23,730
Cash to close
$28,476
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Homosassa Springs
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,254
$5,537
$155,335
7.18%
FHA MIP · $70
$10,283
580
Conventional, 5% down
$1,225
$7,910
$150,290
7.18%
PMI · $75
$12,656
620*
Conventional, 20% down, no PMI
$989
$31,640
$126,560
7.18%
None
$36,386
620*
ITIN, 15% down (example)
$1,135
$23,730
$134,470
8.18%
None
$28,476
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 Homosassa Springs is $939 a month: 15% below the county. In Homosassa Springs, 55% 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.
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 Homosassa Springs
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Homosassa Springs has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,110 in 34448 to $1,180 in 34446.
None is above the fair market rent for Citrus County ($1,194).
Fair market rent by ZIP code and size in Homosassa Springs, fiscal year 2027.
34446
$970
$980
$1,180
$1,630
$1,970
34448
$890
$890
$1,110
$1,540
$1,820
ZIP code2 bd3 bd
34446 $1,180$1,630
34448 $1,110$1,540
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Homosassa 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 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 Homosassa Springs or Citrus County. The ones below are statewide in Florida: they work in Homosassa Springs 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 Homosassa Springs, 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 · 3 miles away
No legal help resource on our list is for Homosassa Springs 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 Homosassa 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 Homosassa Springs?
The typical home value in Homosassa Springs is $158,200, 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 Homosassa Springs?
Typical rent in Homosassa Springs is $939 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 Homosassa Springs?
Homosassa 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 Homosassa Springs?
The typical homeowner in Homosassa Springs pays $787 a year, according to the U.S. Census Bureau. That is 0.5% of the home’s value; in Citrus County, the rate is 0.58%.
Where can I find free help to buy or rent in Homosassa 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.
