Brooksville 34613

Hernando County, FL · 14,867 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

43affordability /100

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

Payment burden
34.4%
stretched
Days on market
79
daily
Price cuts
31.0%
of active
Valuation
-35.8%
vs assessor
Look up an address
39
/100
Weak
cooling · balanced · prices easing year-over-year.
Price trend
35
Affordability
45
Valuation
35
Economic health
43

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

71/ 100SellerBalancedBuyer
Negotiate Hard
Needs 12.8% correction for affordability
DOM: 104d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)80
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)100
Days on Market (5%)100

Moderate buyer leverage in 34613. Room to negotiate 5-10% below list. Payment burden: 34.4% of median income. Median days on market: 104. Renting is approximately 10% cheaper than buying (price-to-rent ratio: 13.2). Market appears 24% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 2.1% YoY.

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Market snapshoteach number, once

Median price
$318,455
▾ 2.1% YoY
Days on market
79
daily · zip_data
Median rent
$2,004
ZORI
Investor score
72/100
cash-flow lens
Active listings
176
90-day

Valuation3 lenses, different anchors

vs assessor
-35.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$204,600
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+77.8%
County-wide market — the widest, slowest signal.
Hernando+77.8%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$286
Price-to-income5.7×

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How 34613 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity36%
Supply tightness0%
Affordability27%
Investment yield71%
Appreciation44%

Affordability, supply & momentum

16SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply24.5 mo
Days on Market79d
Inv vs History-2.4%
Listing Density20.8/1k
Affordability — payment burden
Monthly payment (P&I)$1,609
Payment burden34.4%
Median income · ZIP$56,175
Mortgage rate6.49% · 30yr
Total monthly own$1,927
Monthly rent$2,004
Market dynamics
Price cut %31.0%
Momentumcooling
LeverageBALANCED
Months of supply24.5
Sales (90d)0
Investment analysis
Median rent$2,004
Price-to-rent13.2
Est. cap rate4.9%
Buy vs rentfavors buying

Livability

Walk score6
Transit score1
Bike score

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Hernando County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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