Hernando 34442

Homosassa Springs, FL · Citrus County, FL · 13,736 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

35affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
39.3%
severe
Days on market
82
daily
Price cuts
26.1%
of active
Valuation
+20.7%
vs assessor
Look up an address
35
/100
weak
stable · balanced · prices easing year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

85/ 100SellerBalancedBuyer
Strong Buyer's Market
Needs 23.7% correction for affordability
DOM: 80d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)75
Valuation Gap (25%)100
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)100
Days on Market (5%)75

Strong buyer leverage in 34442. If you must buy now, offer 10-15% below list price. Payment burden: 39.3% of median income. A 11% price correction needed to reach 30% affordability threshold. Median days on market: 80. Renting is approximately 41% cheaper than buying (price-to-rent ratio: 16.9). Market appears 39% overpriced vs. assessed values.

What to Offer

Offer 10-15% below list price. Sellers are under pressure.

Conditions most similar to late 2007 — overvaluation without corresponding income growth. Significant correction potential.
STABLEBALANCED

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers. Prices down 1.2% YoY.

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Market snapshoteach number, once

Median price
$359,263
▾ 1.2% YoY
Days on market
82
daily · zip_data
Median rent
$1,770
ZORI
Investor score
57/100
cash-flow lens
Active listings
157
90-day

Valuation3 lenses, different anchors

vs assessor
+20.7%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$433,600
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+70.2%
County-wide market — the widest, slowest signal.
Citrus+70.2%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$137
Price-to-income6.5×

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How 34442 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

19SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply23.2 mo
Days on Market82d
Inv vs History-16.2%
Listing Density20.0/1k
Market dynamics
Price cut %26.1%
Momentumstable
LeverageBALANCED
Months of supply23.2
Sales (90d)0
Investment analysis
Median rent$1,770
Price-to-rent16.9
Est. cap rate3.8%
Buy vs rentneutral

Livability

Walk score
Transit score
Bike score

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Citrus County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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