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City · 5,099 residents · Hernando County, Florida

South Brooksville , Florida

In South Brooksville, a typical home is worth $245,300 and typical rent is $1,260 a month. Compared with all of Hernando County, the typical home value is 11% lower, typical household income is 7% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $245,300

    11% below the county

    32% below Florida

    • South Brooksville
    • Hernando
    • Florida

  • Typical rent

    $1,260a month

    3% below the county

    25% below Florida

    • South Brooksville
    • Hernando
    • Florida

  • Typical household income

    $61,196a year

    7% below the county

    18% below Florida

    • South Brooksville
    • Hernando
    • Florida

  • Households that own their home

    62%

    21 points below the county

    6 points below Florida

    • South Brooksville
    • Hernando
    • Florida

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

South Brooksville is in Hernando 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 Hernando County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets South Brooksville apart

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

  1. 62% of households in South Brooksville own their home, against 83% in Hernando County.

  2. Nearby, in Brooksville, the typical home value is $141,000: 43% less than in South Brooksville ($245,300).

  3. Nearby, in Shady Hills, the typical rent is $993: 21% less than in South Brooksville ($1,260).

  4. 17% of households in South Brooksville have no internet at home (6% in Hernando County).

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

The homes here

Housing in South Brooksville

What homes there are in South Brooksville, 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

The detached house is still the most common home in South Brooksville, but it weighs less than in Hernando County: 62% against 77%.

In South Brooksville there are many mobile homes: 24% of homes; in Hernando County, 14%.

Year built

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

$2,230 a month

Hernando County: $1,513 a month

Without a mortgage

$331 a month

Hernando County: $473 a month

Owners with a mortgage

43%

Hernando County: 55%

The typical cost for an owner with a mortgage in South Brooksville is $2,230 a month, more than in Hernando County ($1,513); without one, $331.

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 South Brooksville rose 201%; in Hernando County, it rose 94%.

Rents in South Brooksville rose faster than in Hernando County: 68% since 2015–2019, against 32%.

While home values in South Brooksville changed +201% and rent +68%, the typical household income rose 87%.

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

MeasureSouth BrooksvilleHernando CountyFloridaUnited States
Rental vacancy Unreliable estimate7.7%7.6%5.5%
Homeowner vacancy Unreliable estimate0.8%1.4%0.9%
More than one person per room Unreliable estimate1.8%3.3%3.4%
People per household 2.342.492.512.53
Drive alone 86%73%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in South Brooksville has 2.34 people, fewer than in Hernando County (2.49).

To get to work, 86% of workers in South Brooksville drive alone; in Hernando County, 73%.

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 South Brooksville?

A typical home costs more than the typical income allows

We start with a typical home in South Brooksville, worth $245,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in South Brooksville, which is $61,196 a year. For that payment to be 28% of income, a household would need to earn about $85,090 a year.

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

Your numbers

Local data
$

Starts at the typical home value in South Brooksville. 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 $8,586 (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

$1,985

at 7.18% · 30 years

Loan amount
$240,856
Total interest
$346,536
Paid off in
November 2056

Includes $4,142 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,428 a month

  • Tight

    $1,428 to $1,836 a month

  • Hard

    more than $1,836 a month

    Your payment · 39%

Compared with the typical household income in South Brooksville ($61,196 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,985
Principal & interest$1,632
Property tax$143
Home insurance$102
FHA mortgage insurance (MIP)$108

You need at least $8,586 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

South Brooksville and Hernando County

South Brooksville is in Hernando 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).

South Brooksville's own numbers

Typical home value
$245,300
Typical monthly rent
$1,260
Typical yearly household income
$61,196
Households that own their home
62%
Effective property tax rate
0.7%

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

Numbers for all of Hernando 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)
+68%
Homes in a high flood-risk zone
5.6%

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 Hernando County.

Everything about Hernando County

Buying

Buying a home in South Brooksville

A typical home in South Brooksville is worth $245,300: 11% below the county and 32% below Florida. With the typical household income in South Brooksville ($61,196 a year), a typical home costs 4.0 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.

  • South Brooksville 4.0 years
  • Hernando 4.2 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hernando County

According to FHFA’s house price index, home prices in Hernando County rose 173% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) −0.6% −0.5% +2.9%
5 years (2020–2025) +68% +60% +47%
10 years (2015–2025) +173% +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

South Brooksville next to Hernando 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
  • South Brooksville $245,300
  • Hernando $276,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • South Brooksville $1,260
  • Hernando $1,298
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • South Brooksville $61,196
  • Hernando $66,058
  • Florida $74,568
  • United States $80,734
See the full table
South Brooksville next to Hernando County and Florida
Measure South Brooksville Hernando County Florida U.S.
Typical home value $245,300 $276,000 $359,000 $332,700
Typical monthly rent $1,260 $1,298 $1,669 $1,413
Typical yearly household income $61,196 $66,058 $74,568 $80,734
Households that own their home 62% 83% 68% 65%
Typical yearly property tax $1,708 $1,858 $2,730 $3,119
Effective property tax rate 0.7% 0.67% 0.76% 0.94%

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

For a typical $245,300 home in South Brooksville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, South Brooksville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,985a month

    Least cash to close
    Down payment
    $8,586
    Cash to close
    $15,945
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $108

  • Conventional, 5% down $1,940a month

    Down payment
    $12,265
    Cash to close
    $19,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $117

  • Conventional, 20% down, no PMI $1,575a month

    Down payment
    $49,060
    Cash to close
    $56,419
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,801a month

    Down payment
    $36,795
    Cash to close
    $44,154
    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 South Brooksville and for Hernando County.

Property tax

Effective rate in South Brooksville

0.7%of the home’s value each year

$1,708 a year for the typical owner in South Brooksville.

  • South Brooksville 0.7%
  • Hernando 0.67%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Hernando County

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

Homes in the high-risk zone
5.6%
4,770
Of those, with NFIP insurance
54%
County Florida U.S.
Homes in the high-risk zone 5.6% 13% 3.5%
Of those, with NFIP insurance 54% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in South Brooksville

Typical rent in South Brooksville is $1,260 a month: 3% below the county.

HUD publishes a fair market rent for all of Hernando 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 Hernando 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 South Brooksville

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

For 2 bedrooms it runs from $1,410 in 34601 to $1,510 in 34604.

None is above the fair market rent for Hernando County ($1,917).

  • 34601 $1,410$1,800
  • 34604 $1,510$1,930

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for South Brooksville 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 South Brooksville

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.

We found no HUD-approved agencies with an office in Hernando County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in South Brooksville

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

Which programs do I qualify for? All programs in Florida

Housing counselors near South Brooksville

The HUD-approved agencies closest to the center of South Brooksville, 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 · 22 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 · 23 miles away · Spanish

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

  • Operation Hope- Tampa

    2208 E Fowler Ave, Tampa · 32 miles away · Spanish

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

All counseling agencies in Florida

Help in Spanish near South Brooksville

2 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 South Brooksville

HUD’s record names them for South Brooksville or Hernando County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

One other authority has an office in Hernando County: see the list Source: HUD

Cities

Other cities in Hernando County

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

Everything about Hernando County Housing in Florida

Nearby cities

The cities closest to South Brooksville, with the typical home value.

Neighboring counties

If Hernando 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 South Brooksville.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about South Brooksville

Short answers with the numbers for South Brooksville and all of Hernando 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 South Brooksville?

The typical home value in South Brooksville is $245,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hernando County it is $276,000.

How much does it cost to rent in South Brooksville?

Typical rent in South Brooksville is $1,260 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hernando County is $1,917.

What is the FHA loan limit in South Brooksville?

South Brooksville uses the FHA limit for all of Hernando 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 South Brooksville?

The typical homeowner in South Brooksville pays $1,708 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Hernando County, the rate is 0.67%.

Where can I find free help to buy or rent in South Brooksville?

We found no HUD-approved counseling agencies with an office in Hernando County; the nearest ones are on this page. 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).