ZIP 34428 vs ZIP 34433

34428 is one of 15 ZIP codes that lie mostly in Citrus County, FL.

Shaded by typical home value, it ranks 4 of the 13 with a value.

3 school locations in 34428: 1 elementary, 1 middle, 1 high.

In alphabetical order: CRYSTAL RIVER HIGH SCHOOL, CRYSTAL RIVER MIDDLE SCHOOL, CRYSTAL RIVER PRIMARY SCHOOL. Locations only — no ratings are shown here.

34433 is one of 15 ZIP codes that lie mostly in Citrus County, FL.

Shaded by typical home value, it ranks 5 of the 13 with a value.

1 school location in 34433: 1 elementary.

In alphabetical order: CITRUS SPRINGS ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34428 was worth $89,989.

Values peaked at $310,747 in October 2024. The latest reading is −4.6% from that peak.

As of August 2026: $296,469, +0.8% over twelve months.

Start with the typical home: $296,469. Put 20% down and borrow $237,175 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,642 a month in principal and interest.

The median household here earns $48,185 a year, $4,015 a month. So the payment takes 40.9% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 12.4% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $539.

In December 2020, with rates at 2.68%, it was $644.

By August 2026, at 6.67%, it was $1,525 — +137% since December 2020, while the home's value moved +49%.

Reported values rose +229% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $177,603. So the real change is +67%, not +229%.

34428: +230% since January 2000.

Citrus County: +203% since January 2000.

Florida: +245% since January 2000 — 34428 ran behind it by 16 points.

Owning the typical home costs about $1,939 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,856 a month.

Price divided by a year's rent: 13.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34433 was worth $76,630.

Values peaked at $291,694 in September 2022. The latest reading is −6.6% from that peak.

As of August 2026: $272,522, −1.7% over twelve months.

Start with the typical home: $272,522. Put 20% down and borrow $218,018 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,510 a month in principal and interest.

The median household here earns $70,024 a year, $5,835 a month. So the payment takes 25.9% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 7.3% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $459.

In December 2020, with rates at 2.68%, it was $639.

By August 2026, at 6.67%, it was $1,402 — +119% since December 2020, while the home's value moved +38%.

Reported values rose +256% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $151,237. So the real change is +80%, not +256%.

34433: +256% since January 2000.

Citrus County: +203% since January 2000.

Florida: +245% since January 2000 — 34433 ran ahead of it by 11 points.

Owning the typical home costs about $1,782 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,863 a month.

Price divided by a year's rent: 12.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 17 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 75.

Going out — closed sales: about 16 a month.

The ladder: homes for sale ÷ monthly sales = 4.8 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 16 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 13 — so sales ran at 123% of it, and below it in 9 of the last 24 months.

Across Citrus County, builders pulled permits for 2,102 new homes in 2025.

Of those, 99% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 39 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 127.

Going out — closed sales: about 43 a month.

The ladder: homes for sale ÷ monthly sales = 2.9 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 5 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 43 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 11 — so sales ran at 391% of it, and below it in 0 of the last 24 months.

Across Citrus County, builders pulled permits for 2,102 new homes in 2025.

Of those, 99% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Citrus County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,636 moved in. Among the ten receiving the most, 1,575 moved out.

Net across those counties: +1,061 households. Beside it, homes for sale in this ZIP: 75 in June 2026.

Most arrivals came from Marion, FL (529 households); most departures went to Marion, FL (466).

This ZIP sits in Citrus County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 2,636 moved in. Among the ten receiving the most, 1,575 moved out.

Net across those counties: +1,061 households. Beside it, homes for sale in this ZIP: 127 in June 2026.

Most arrivals came from Marion, FL (529 households); most departures went to Marion, FL (466).