34449 — Citrus County, Florida Market Snapshot
Housing market data for zip code 34449 in Citrus County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$390,000
Days to Sell
157
Homes Sold
15
Inventory
18
Sale-to-List
95.1%
New Listings
12
Price/SqFt
$206
Pending Sales
15
Conforming Loan Available
Most homebuyers in 34449 can comfortably use conventional financing. The median home price of $390,000 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 157 days on average, 34449 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
The average home in 34449 sells for 4.9% below asking price (95.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34449 can comfortably use conventional financing. The median home price of $390,000 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 34449 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 34449
To purchase the median home at $390,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,138.
Monthly Payment
$3,138
Income Required
$134,488
Principal & Interest
$2,403/mo
Down Payment (5%)
$19,500
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 34449.
Estimated Monthly Payment
$2,564
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