Crystal River, Florida.
Typical home $268,024 (-0.6% in a year), asking rent $1,875 (+3.3%). Homosassa Springs, FL metro.
to buy the typical home at today's mortgage rate — +$779 (+124%) since Jan 2020.
- 1 year
- Down $1,502 -1%
- $269,525$268,024 since Sep 2025
- 5 years
- Up $31,616 +13%
- $236,408$268,024 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Crystal River$1,407
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 28 years.
Typical home values in Crystal River, FL fell 0.6% over the past year — slower than the nation's +1.2%.
Asking rents in Crystal River, FL rose 3.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in Crystal River runs $51/mo less than renting one. The gap peaked at $383 in Feb 2024.
That is $1,824 a month against $1,875 rent: a $1,407 mortgage payment, plus $130 property tax and $287 insurance & upkeep.
Owning vs renting — Crystal River
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,824
- Renting$1,875
- Mortgage only$1,407
Property tax · $130/mo 0.58% of value a year — the ACS 2020-2024 median bill over the median home value for Citrus County, FL
Insurance & upkeep · $287/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Crystal River, Citrus County, Florida
Crystal River is a city of 3,396 people in Citrus County. 60% of its homes are lived in by their owners and 40% are rented. Unemployment in Citrus County was 6.7% in August 2026, and the county had 1.6% more jobs in 2025 than the year before. The most people in Citrus County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Crystal River is a small city on Florida's Gulf coast, home to a modest number of people who share the area with a much larger county around them. Most homes are lived in by their owners, though a good share are rented, and a notable portion of residents live below the poverty line. Winters are mild and summers are hot, with almost no snow and a fair amount of rain through the year.
Work. Many residents work in schools, hospitals and social care, followed by shops, restaurants and hotels, and professional and business services. A fair number work from home. Among the largest workplaces in town are Northport Health Services of Florida, a skilled nursing facility, along with Jenkins Ford Lincoln of Crystal River and Jenkins KIA of Crystal River, both car dealerships. Unemployment across Citrus County is a little higher than it was a year ago, even as the county has added a small number of jobs.
Things to do. Much of what draws people outdoors lies in or beside town, including Crystal River National Wildlife Refuge and Crystal River Archaeological State Park, a protected area and an archaeological site. A short drive away are Fort Island Gulf Beach and Homosassa Springs Wildlife State Park, a beach and a wildlife park. The river itself, a short drive away, offers a quiet place to be on the water.
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- 1,650households
- 18%below the poverty line
- 12%work from home
What people in Citrus County work in
Employed residents by industry, from the Census survey. Citrus County had 35,256 jobs in 2025, 1.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 69° and lows near 43°; warmest in July, with highs near 91° and lows near 71°. About 52 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Inverness Southeast weather station, 19 miles away (NOAA).
Largest workplaces in Crystal River
- Northport Health Services of FloridaSkilled nursing facility176
- RK HoldingsFarm supply store66
- Jenkins Ford Lincoln of Crystal RiverAutomobile dealers, new only or new and used65
- Jenkins KIA of Crystal RiverAutomobile dealers, new only or new and used61
- Wawa SiteConvenience store34
- Crystal RiverMail and parcel delivery33
- Ag-ProAgricultural machinery and equipment merchant wholesalers30
- Duke EnergyElectric power distribution26
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 9 workplaces with 20 or more staff, 511 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HurricanesVery high
- Coastal floodingVery high
- LightningRelatively high
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Crystal River’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Citrus County and the Homosassa Springs, FL metro.
Crystal River home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Crystal River$268,024
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 4 Crystal River listings, and the typical home goes pending in 77 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Crystal River24.88%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Crystal River77
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Crystal River291
New listings per month
Sellers arriving at the market.
- Crystal River49
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Crystal River$265,250
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Crystal River96.12%
Zip codes with a Crystal River address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Crystal River — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Crystal River
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 34428 | Crystal River | 10,163 | $1,838 | $293,327 |
| 34429 | Crystal River | 8,727 | $1,842 | $249,006 |