ZIP 34452 vs ZIP 34465

34452 is one of 15 ZIP codes that lie mostly in Citrus County, FL.

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

3 school locations in 34452: 2 elementary, 1 high.

In alphabetical order: CITRUS HIGH SCHOOL, INVERNESS PRIMARY SCHOOL, PLEASANT GROVE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

34465 is one of 15 ZIP codes that lie mostly in Citrus County, FL.

Shaded by typical home value, it ranks 12 of the 13 with a value.

In January 2000 the typical home in 34452 was worth $70,792.

Values peaked at $244,744 in July 2024. The latest reading is −5.0% from that peak.

As of August 2026: $232,480, −0.2% over twelve months.

Start with the typical home: $232,480. Put 20% down and borrow $185,984 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,288 a month in principal and interest.

The median household here earns $58,199 a year, $4,850 a month. So the payment takes 26.6% 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 8.1% 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 $424.

In December 2020, with rates at 2.68%, it was $511.

By August 2026, at 6.67%, it was $1,196 — +134% since December 2020, while the home's value moved +47%.

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 $139,715. So the real change is +66%, not +228%.

34452: +228% since January 2000.

Citrus County: +203% since January 2000.

Florida: +245% since January 2000 — 34452 ran behind it by 17 points.

Owning the typical home costs about $1,520 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,484 a month.

Price divided by a year's rent: 13.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34465 was worth $81,852.

Values peaked at $256,642 in November 2022. The latest reading is −7.8% from that peak.

As of August 2026: $236,651, −1.9% over twelve months.

Start with the typical home: $236,651. Put 20% down and borrow $189,321 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,311 a month in principal and interest.

The median household here earns $55,513 a year, $4,626 a month. So the payment takes 28.3% 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 9.8% 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 $490.

In December 2020, with rates at 2.68%, it was $543.

By August 2026, at 6.67%, it was $1,218 — +124% since December 2020, while the home's value moved +41%.

Reported values rose +189% 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 $161,543. So the real change is +46%, not +189%.

34465: +189% since January 2000.

Citrus County: +203% since January 2000.

Florida: +245% since January 2000 — 34465 ran behind it by 56 points.

Owning the typical home costs about $1,547 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,632 a month.

Price divided by a year's rent: 12.1. 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 26 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 61.

Going out — closed sales: about 26 a month.

The ladder: homes for sale ÷ monthly sales = 2.3 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 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 26 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 118% of it, and below it in 15 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 57 a month (Redfin, 3-month rolling data through August 2026). That is 118% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 191. That is 124% of the 2015–2019 level for the same months.

Going out — closed sales: about 45 a month. That is 95% of the 2015–2019 level for the same months. The drain is drawn 16% narrower: the share of homes for sale that sell each month is 84% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.3 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 45 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 48 — so sales ran at 94% of it, and below it in 11 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: 61 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: 191 in June 2026.

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