Homosassa 34446

Homosassa Springs, FL · Citrus County, FL · 13,825 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

47affordability /100

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

Payment burden

32.8%

stretched

Days on market

daily

Price cuts

31.0%

of active

Valuation

-29.3%

vs assessor

Look up an address

/100

mixed

cooling · seller slight · 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

Strong Buyer's Market

Needs 8.5% correction for affordability

DOM: 111d (rising) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)50

Valuation Gap (25%)100

Supply & Demand (20%)100

Buy vs Rent (15%)50

Cancellation Rate (10%)100

Days on Market (5%)100

Strong buyer leverage in 34446. If you must buy now, offer 10-15% below list price. Payment burden: 32.1% of median income. Median days on market: 111. Renting is approximately 28% cheaper than buying (price-to-rent ratio: 15.4). Market appears 41% 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.

COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 1.4% YoY.

Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/34446" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Homosassa 34446 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/homosassa-springs/zip/34446?utm_source=embed&utm_medium=backlink">Homosassa 34446 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$320,667

▾ 1.4% YoY

Days on market

daily · zip_data

Median rent

$1,900

ZORI

Investor score

62/100

cash-flow lens

Active listings

176

90-day

Valuation3 lenses, different anchors

vs assessor

-29.3%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$226,800

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+69.2%

County-wide market — the widest, slowest signal.

Citrus+69.2%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$119

Price-to-income5.3×

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How 34446 ranks in FL

percentile vs all FL ZIPs

Comparative ranking not available for this ZIP.

Affordability, supply & momentum

16SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply21.6 mo

Days on Market95d

Inv vs History-12.9%

Listing Density21.1/1k

Market dynamics

Price cut %31.0%

Momentumcooling

LeverageSELLER SLIGHT

Months of supply21.6

Sales (90d)0

Investment analysis

Median rent$1,900

Price-to-rent15.4

Est. cap rate4.2%

Buy vs rentfavors buying

Livability

Walk score1

Transit score—

Bike score—

Historical trends

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Price bandsmix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Citrus.

Current tiers · 12 months to Aug 25floor 10 sales/tier

2 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row. 2 tiers had too few sales at every level and are left blank rather than estimated.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$38k	$132	398	53.3%	ZIP
$250k–$500k	$358k	$168	308	41.2%	ZIP
$500k–$750k	$538k	$197	35	4.7%	ZIP
$750k–$1M	$818k	$296	72	—	COUNTY · Citrus, FL
$1M–$1.5M	$1.20M	$412	19	—	COUNTY · Citrus, FL
$1.5M–$2M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$2M+	—	—	—	—	fewer than 10 sales at zip, county and metro level
All sales (the headline median)	$230k	$157	747	100%	ZIP

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 34446.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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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.

ZIP 34446→Citrus County, FL

12-Month Direction

-12Moderate Deterioration

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

41· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden49

30.5%

stretched

Source: Lotvox · Updated 2026-05-15

Buy vs Rent57

1.151x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation9

+69.2%

overvalued

Source: Lotvox comps · Updated 2026-05-15