34433 — Citrus County, Florida Market Snapshot
Housing market data for zip code 34433 in Citrus County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
96 sales in 2026 (year to date)
Median Sale Price
$276,250
Days to Sell
61
Homes Sold
96
Inventory
125
Sale-to-List
98.5%
New Listings
127
Price/SqFt
$165
Pending Sales
120
Conforming Loan Available
Most homebuyers in 34433 can comfortably use conventional financing. The median home price of $276,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 61 days on average, 34433 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 34433 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 34433 can comfortably use conventional financing. The median home price of $276,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 34433 are set at the county level.
2026 Loan Limits — Citrus County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 34433
To purchase the median home at $276,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,267.
Monthly Payment
$2,267
Income Required
$97,137
Principal & Interest
$1,702/mo
Down Payment (5%)
$13,813
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 34433.
Estimated Monthly Payment
$1,860
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