34453 — Citrus County, Florida Market Snapshot
Housing market data for zip code 34453 in Citrus County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
86 sales in 2026 (year to date)
Median Sale Price
$237,950
Days to Sell
51
Homes Sold
86
Inventory
106
Sale-to-List
97.9%
New Listings
101
Price/SqFt
$174
Pending Sales
94
Conforming Loan Available
Most homebuyers in 34453 can comfortably use conventional financing. The median home price of $237,950 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
34453's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34453 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34453 can comfortably use conventional financing. The median home price of $237,950 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 34453 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 34453
To purchase the median home at $237,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,973.
Monthly Payment
$1,973
Income Required
$84,561
Principal & Interest
$1,466/mo
Down Payment (5%)
$11,898
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 34453.
Estimated Monthly Payment
$1,623
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