ZIP 34461 vs ZIP 34446

34461 is one of 15 ZIP codes that lie mostly in Citrus County, FL.

Shaded by typical home value, it ranks 2 of the 13 with a value.

7 school locations in 34461: 1 elementary, 1 middle, 5 high.

In alphabetical order: CREST SCHOOL, CYPRESS CREEK TREATMENT CENTER, LECANTO HIGH SCHOOL, LECANTO MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

34446 is one of 15 ZIP codes that lie mostly in Citrus County, FL.

Shaded by typical home value, it ranks 3 of the 13 with a value.

In January 2000 the typical home in 34461 was worth $121,608.

Values peaked at $340,811 in September 2022. The latest reading is −4.9% from that peak.

As of August 2026: $323,956, −0.2% over twelve months.

Start with the typical home: $323,956. Put 20% down and borrow $259,165 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,794 a month in principal and interest.

The median household here earns $60,795 a year, $5,066 a month. So the payment takes 35.4% 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 13.3% 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 $728.

In December 2020, with rates at 2.68%, it was $739.

By August 2026, at 6.67%, it was $1,667 — +126% since December 2020, while the home's value moved +42%.

Reported values rose +166% 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 $240,006. So the real change is +35%, not +166%.

34461: +166% since January 2000.

Citrus County: +203% since January 2000.

Florida: +245% since January 2000 — 34461 ran behind it by 79 points.

Owning the typical home costs about $2,118 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,750 a month.

Price divided by a year's rent: 15.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34446 was worth $109,853.

Values peaked at $342,571 in August 2022. The latest reading is −7.2% from that peak.

As of August 2026: $318,063, −1.4% over twelve months.

Start with the typical home: $318,063. Put 20% down and borrow $254,450 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,762 a month in principal and interest.

The median household here earns $60,625 a year, $5,052 a month. So the payment takes 34.9% 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 12.0% 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 $658.

In December 2020, with rates at 2.68%, it was $731.

By August 2026, at 6.67%, it was $1,636 — +124% since December 2020, while the home's value moved +41%.

Reported values rose +190% 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 $216,806. So the real change is +47%, not +190%.

34446: +190% since January 2000.

Citrus County: +203% since January 2000.

Florida: +245% since January 2000 — 34446 ran behind it by 56 points.

Owning the typical home costs about $2,080 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,900 a month.

Price divided by a year's rent: 14.0. 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 16 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 71.

Going out — closed sales: about 15 a month. The drain is drawn 6% narrower: the share of homes for sale that sell each month is 94% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.7 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 15 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 16 — 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).

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 46 a month (Redfin, 3-month rolling data through August 2026). That is 130% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 183.

Going out — closed sales: about 40 a month. That is 98% of the 2015–2019 level for the same months. The drain is drawn 19% narrower: the share of homes for sale that sell each month is 81% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.5 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 5 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 40 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 35 — so sales ran at 114% of it, and below it in 13 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: 71 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: 183 in June 2026.

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