34428 (Crystal River)
Housing Market
Median sale price $334,500, down 13.2% year over year, with homes going under contract in about 29 days, 2 homes on the market.
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Housing Market Analyst
33% of listed homes are already under contract. Prices are down 13.2% versus the prior year, but sellers are still collecting 94.2% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors neither side decisively.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Negotiating power — buyers gain ground as 33% of inventory sits under contract.
- Mortgage sensitivity — at 5.0× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current 34428 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
The read on 34428 (Crystal River)
The median sale price across 34428 currently stands at $334,500, down 13.2% from a year ago. Buyers are paying a median of $176 per square foot. The typical home goes under contract in about 29 days. Sellers are capturing 94.2% of their original asking price on average.
There are 2 active listings on the market, with 1 more already under contract.
Zillow's home value index for Citrus County stands at $273,928. About 28% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for 34428 is 52 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of August 6, 2026.
34428 since 2015 — and where it’s heading
A median home here sold for $126,125 in 2015 and $322,538 over the last recorded year — 156% appreciation across 11 years of recorded sales. Cash buyers took 37% of recent sales, down from a 61% peak.
Median sale price · 2015–2026 (152 recorded sales)
Days on market by year
Cash buyers · share of sales
Home value trend · Citrus County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Citrus County (MLS)
What’s driving 34428
Top inbound states: NY, IL, AZ, TX. Movers arriving report ~$70,449 average income. Source: IRS SOI county-to-county migration, 2022-2023
2,306 Citizens policies in force in Citrus County — the state-backed insurer of last resort. Budget insurance into any Citrus purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
2,082 single-family · 20 multi-family · 13.2 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Nearby ZIP codes in Citrus
| Market | Median | Active | Score | |
|---|---|---|---|---|
| 34428 ← this page | $334K | 2 | 52 | |
| 34446 | $330K | 14 | 39 | Open → |
| 34461 | $425K | 5 | 53 | Open → |
| 34452 | $250K | 1 | 45 | Open → |
Neighborhoods on the move
| CRYSTAL MANOR UNIT 02Crystal River | $399K | ▲ -0% |
| CRYSTAL MANOR UNIT 02Crystal River | $399K | ▼ 0% |
| HOLIDAY HEIGHTSBradenton | $212K | 2 |
| CRYSTAL PARKSanford | $214K | 32 days |
| CRYSTAL MANOR UNIT 02Crystal River | $399K | 37 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Should I buy a house in 34428 right now?
The data says conditions currently favor neither side decisively in 34428 — the Momentum Score reads 52/100. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is 34428 becoming more affordable?
Yes, modestly — the median sale price in 34428 is $334,500, down 13.2% versus the prior year, while sellers still capture 94.2% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in 34428?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are CRYSTAL MANOR UNIT 02 (-0%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which 34428 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are CRYSTAL PARK (32 days); CRYSTAL MANOR UNIT 02 (37 days) — homes there go under contract well ahead of the market-wide pace of 29 days.
34428 (Crystal River) housing market FAQ
What is the median home price in 34428?
The median sale price in 34428 is currently $334,500, down 13.2% from a year ago, based on MLS sales data updated August 6, 2026.
Is 34428 a buyer's or seller's market right now?
The data currently is roughly balanced. 34428 scores 52 of 100 on the Momentum Score. Conditions change; this page updates daily.
How long do homes take to sell in 34428?
The typical home in 34428 goes under contract in about 29 days, per current MLS data.
How many homes are for sale in 34428?
There are approximately 2 active listings in 34428 as of August 6, 2026.
Are home prices in 34428 rising or falling?
Median sale prices are down 13.2% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across 34428 (Crystal River). Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: August 6, 2026 at 7:18 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.