In Lecanto, a typical home is worth $316,900 and typical rent is $1,304 a month. Compared with all of Citrus County, the typical home value is 29% higher, typical rent is 18% higher, and the share of households that own their home is 8 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $281,405 to $333,494.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lecanto 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
Lecanto has the 10th highest homeownership rate of the 481 cities in Florida with more than 5,000 people (93%).
2
Nearby, in Homosassa Springs, the typical home value is $158,200: 50% less than in Lecanto ($316,900).
3
Nearby, in Homosassa Springs, the typical rent is $939: 28% less than in Lecanto ($1,304).
4
The typical home in Lecanto is worth $316,900,29% more than in Citrus County as a whole ($245,500).
5
The typical rent in Lecanto is $1,304 a month, 18% more than in Citrus County as a whole ($1,107).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lecanto
What homes there are in Lecanto, 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
Lecanto
Citrus County
Florida
United States
Kind of home: Lecanto and its comparisons
Measure
Lecanto
Citrus County
Florida
United States
Detached house
74%
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
24%
21%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Lecanto, 7 in 10 homes are single-family detached houses; in Citrus County, 7.
Mobile homes are 24% of homes in Lecanto, more than in Citrus County (21%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Lecanto
Citrus County
Florida
United States
Year built: Lecanto and its comparisons
Measure
Lecanto
Citrus County
Florida
United States
Before 1960
Unreliable estimate
3%
10%
26%
1960–1979
19%
22%
24%
24%
1980–1999
51%
43%
34%
25%
2000–2009
16%
20%
18%
14%
2010 or later
12%
12%
14%
11%
The typical year built in Lecanto is 1989, 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
Unreliable estimate
Under $100KUnreliable
$100K–$200K12%
$200K–$300K20%
$300K–$500K47%
$500K–$750K9%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lecanto and its comparisons
Measure
Lecanto
Under $100K
Unreliable estimate
$100K–$200K
12%
$200K–$300K
20%
$300K–$500K
47%
$500K–$750K
9%
$750K–$1M
Unreliable estimate
$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: Lecanto and its comparisons
Measure
Lecanto
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,628 a month
Citrus County: $1,354 a month
Without a mortgage
$429 a month
Citrus County: $447 a month
Owners with a mortgage
41%
Citrus County: 45%
In Lecanto, 41% of owners have a mortgage, and their typical cost is $1,628 a month, against $1,354 in Citrus County. Without one it drops to $429.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lecanto+94%
Citrus County+87%
Florida+67%
United States+53%
Typical rent
Lecanto+62%
Citrus County+31%
Florida+42%
United States+33%
Typical household income
LecantoUnreliable
Citrus County+28%
Florida+34%
United States+29%
Change since 2015–2019: Lecanto and its comparisons
Measure
Lecanto
Citrus County
Florida
United States
Typical home value
+94%
+87%
+67%
+53%
Typical rent
+62%
+31%
+42%
+33%
Typical household income
Unreliable estimate
+28%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Lecanto rose 94%; in Citrus County, it rose 87%.
Rents in Lecanto rose faster than in Citrus County: 62% since 2015–2019, against 31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lecanto and its comparisons
Measure
Lecanto
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
2.66
2.24
2.51
2.53
Drive alone
72%
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
17%
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 Lecanto has 2.66 people, more than in Citrus County (2.24).
Working from home is more common in Lecanto: 17%, against 14% in Citrus County.
Do the math
What would you pay each month for a home in Lecanto?
The Census Bureau publishes no typical home value or typical household income for Lecanto, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The calculator starts with the typical home value in Lecanto: $316,900. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Citrus County. Change the price, the down payment or the loan type and see how your payment changes.
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 Lecanto. 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 $11,092 (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
$2,502
at 7.18% · 30 years
Loan amount
$311,160
Total interest
$447,686
Paid off in
November 2056
Includes $5,352 FHA upfront mortgage insurance premium.
Does it fit the income?
Type your income to see which tier this payment lands in.
Monthly payment breakdown
Principal & interest
$2,108
Property tax
$122
Home insurance
$132
FHA mortgage insurance (MIP)
$140
You need at least $11,092 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 $2,502; principal and interest $2,108.
The city and its county
Lecanto and Citrus County
Lecanto 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).
Lecanto
Map of Citrus County, Florida, with Lecanto marked. Around it, the neighboring counties.
Lecanto
Citrus County
Other cities with a page
Lecanto's own numbers
Typical home value
$316,900
Typical monthly rent
$1,304
Households that own their home
93%
Effective property tax rate
0.46%
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 Lecanto is worth $316,900: 29% above the county and 12% below Florida.
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
Lecanto 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
Lecanto$316,900
Citrus$245,500
Florida$359,000
United States$332,700
Typical monthly rent
Lecanto$1,304
Citrus$1,107
Florida$1,669
United States$1,413
See the full table
Lecanto next to Citrus County and Florida
Measure
Lecanto
Citrus County
Florida
U.S.
Typical home value
$316,900 ▲29% above the county
$245,500
$359,000
$332,700
Typical monthly rent
$1,304 ▲18% above the county
$1,107
$1,669
$1,413
Households that own their home
93% ▲8 points above the county
85%
68%
65%
Typical yearly property tax
$1,460 ▲2% above the county
$1,430
$2,730
$3,119
Effective property tax rate
0.46% ▼0.12 points below the county
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 Lecanto
For a typical $316,900 home in Lecanto, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lecanto's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,502a month
Least cash to close
Down payment
$11,092
Cash to close
$20,599
Rate
7.18%
Mortgage insurance
FHA MIP · $140
Conventional, 5% down$2,443a month
Down payment
$15,845
Cash to close
$25,352
Rate
7.18%
Mortgage insurance
PMI · $151
Conventional, 20% down, no PMI$1,971a month
Down payment
$63,380
Cash to close
$72,887
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,264a month
Down payment
$47,535
Cash to close
$57,042
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lecanto
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,502
$11,092
$311,160
7.18%
FHA MIP · $140
$20,599
580
Conventional, 5% down
$2,443
$15,845
$301,055
7.18%
PMI · $151
$25,352
620*
Conventional, 20% down, no PMI
$1,971
$63,380
$253,520
7.18%
None
$72,887
620*
ITIN, 15% down (example)
$2,264
$47,535
$269,365
8.18%
None
$57,042
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 Lecanto is $1,304 a month: 18% above the county. In Lecanto, 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.
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 Lecanto
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lecanto is in ZIP code 34461.
For 2 bedrooms it is $1,310: $116 more than the fair market rent for Citrus County ($1,194).
Fair market rent by ZIP code and size in Lecanto, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
34461
$1,080
$1,080
$1,310
$1,810
$2,190
ZIP code2 bd3 bd
34461 $1,310$1,810
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lecanto 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 Lecanto or Citrus County. The ones below are statewide in Florida: they work in Lecanto 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.
No legal help resource on our list is for Lecanto 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 Lecanto 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 Lecanto?
The typical home value in Lecanto is $316,900, 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 Lecanto?
Typical rent in Lecanto is $1,304 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 Lecanto?
Lecanto 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 Lecanto?
The typical homeowner in Lecanto pays $1,460 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Citrus County, the rate is 0.58%.
Where can I find free help to buy or rent in Lecanto?
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.
