ZIP 34436 vs ZIP 34448

34436 is one of 15 ZIP codes that lie mostly in Citrus County, FL.

Shaded by typical home value, it ranks 6 of the 13 with a value.

2 school locations in 34436: 1 elementary, 1 high.

In alphabetical order: CAMP E-NINI HASSEE, FLORAL CITY ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

34448 is one of 15 ZIP codes that lie mostly in Citrus County, FL.

Shaded by typical home value, it ranks 7 of the 13 with a value.

2 school locations in 34448: 2 elementary.

In alphabetical order: HOMOSASSA ELEMENTARY SCHOOL, ROCK CRUSHER ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34436 was worth $68,130.

Values peaked at $272,115 in September 2024. The latest reading is −1.7% from that peak.

As of August 2026: $267,595, +1.7% over twelve months.

Start with the typical home: $267,595. Put 20% down and borrow $214,076 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,482 a month in principal and interest.

The median household here earns $50,139 a year, $4,178 a month. So the payment takes 35.5% of income — rated “stretched” (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 9.0% 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 $408.

In December 2020, with rates at 2.68%, it was $555.

By August 2026, at 6.67%, it was $1,377 — +148% since December 2020, while the home's value moved +56%.

Reported values rose +293% 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 $134,462. So the real change is +99%, not +293%.

34436: +293% since January 2000.

Citrus County: +203% since January 2000.

Florida: +245% since January 2000 — 34436 ran ahead of it by 48 points.

Owning the typical home costs about $1,750 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,800 a month.

Price divided by a year's rent: 12.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34448 was worth $81,353.

Values peaked at $286,987 in August 2022. The latest reading is −6.9% from that peak.

As of August 2026: $267,226, −0.9% over twelve months.

Start with the typical home: $267,226. Put 20% down and borrow $213,781 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,480 a month in principal and interest.

The median household here earns $47,526 a year, $3,961 a month. So the payment takes 37.4% 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 11.4% 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 $487.

In December 2020, with rates at 2.68%, it was $625.

By August 2026, at 6.67%, it was $1,375 — +120% since December 2020, while the home's value moved +38%.

Reported values rose +228% 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 $160,559. So the real change is +66%, not +228%.

34448: +229% since January 2000.

Citrus County: +203% since January 2000.

Florida: +245% since January 2000 — 34448 ran behind it by 17 points.

Owning the typical home costs about $1,747 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,500 a month.

Price divided by a year's rent: 8.9. 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 8 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 36.

Going out — closed sales: about 9 a month.

The ladder: homes for sale ÷ monthly sales = 4.0 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 sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 9 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 7 — so sales ran at 129% of it, and below it in 14 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 16 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 73.

Going out — closed sales: about 14 a month. The drain is drawn 31% narrower: the share of homes for sale that sell each month is 69% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.1 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 2 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 14 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 12 — so sales ran at 117% of it, and below it in 14 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: 36 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: 73 in June 2026.

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