Hernando, Florida.
Typical home $350,295 (-0.6% in a year), asking rent $1,990 . Homosassa Springs, FL metro.
to buy the typical home at today's mortgage rate — +$1,004 (+120%) since Jan 2020.
- 1 year
- Down $2,152 -1%
- $352,448$350,295 since Sep 2025
- 5 years
- Up $46,927 +15%
- $303,368$350,295 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.
- Hernando$1,839
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 24 years.
Typical home values in Hernando, FL fell 0.6% over the past year — slower than the nation's +1.2%.
Living in Hernando, Citrus County, Florida
Hernando, in Citrus County, had 9,284 people in the 2020 census. Half its households earn more than $43,076 a year and half less, against $56,546 across Citrus County; 21% of its people live below the poverty line. 85% of its homes are lived in by their owners and 15% 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 residents 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 It can be wrong or out of date.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. Hernando is a community where residents are older than in most of the country, and nearly everyone lives in a home they own. Incomes are below the county's, and the typical home costs more to buy than most households there earn in a year, while rents run high. Few adults hold a four-year degree.
Work. Many residents work in schools, hospitals and social care, in shops, in professional and business services, and in the building trades. Across Citrus County, the largest workplaces include Citrus Schools, HCA Florida Citrus Hospital and Seven Rivers Regional Medical Center. Commutes are fairly long, and some residents work from home.
Things to do. Tsala Apopka Lake is a lake a short drive away. Farther afield, Rainbow Springs State Park is a protected area and Crystal River is a river, both a longer drive away, and the Appleton Museum of Art is a museum a longer drive away. Winters are mild with little or no snow, summers are hot, and rain falls steadily through the year.
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- 4,459households
- 15%of adults have a degree
- 21%below the poverty line
- 32 mintypical commute
- 15%work from home
What residents 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, 12 miles away (NOAA).
Largest workplaces in Citrus County
- Therapy ManagementHomes for the aged with nursing care4,191
- Citrus SchoolsSchool district2,327FTE
- Tampa General Hospital-Crystal RiverHospitals, general medical and surgical978
- HCA Florida Citrus HospitalGeneral hospital765FTE
- Seven Rivers Regional Medical CenterGeneral hospital609FTE
- Citrus Hills Investment PropertiesHousing, single-family, construction general contractors437
- WalmartWarehouse clubs and supercenters413
- F & H ContractorsConstruction management, power and communication transmission line395
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 74 workplaces with 20 or more staff, 13,758 people in all across the county; Hernando has two of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. 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
- LightningRelatively high
- WildfireRelatively moderate
- TornadoesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Hernando’s census tracts, against the rest of the country; all of them together, relatively moderate. 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.
Hernando home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Hernando$350,295
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 5 Hernando listings, and the typical home goes pending in 69 days — the market is heating up.
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.
- Hernando20.96%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Hernando69
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Hernando198
New listings per month
Sellers arriving at the market.
- Hernando38
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Hernando$344,200
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Hernando95.63%
Zip codes with a Hernando address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Hernando — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.