34465 — Citrus County, Florida Market Snapshot
Housing market data for zip code 34465 in Citrus County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
159 sales in 2026 (year to date)
Median Sale Price
$298,500
Days to Sell
63
Homes Sold
159
Inventory
176
Sale-to-List
96.8%
New Listings
178
Price/SqFt
$176
Pending Sales
171
Conforming Loan Available
Most homebuyers in 34465 can comfortably use conventional financing. The median home price of $298,500 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 63 days on average, 34465 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 34465 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34465 can comfortably use conventional financing. The median home price of $298,500 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 34465 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 34465
To purchase the median home at $298,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,437.
Monthly Payment
$2,437
Income Required
$104,443
Principal & Interest
$1,839/mo
Down Payment (5%)
$14,925
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 34465.
Estimated Monthly Payment
$1,997
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 34465. Tell us what you're looking for.