Florida Housing IntelligenceHernando County › 34609 (Spring Hill)
Aerial view of 34609, Florida

34609 (Spring Hill)
Homes for Sale & Housing Market

ZIP code market report · Hernando County

Median sale price $374,900, down 1.3% year over year, with homes going under contract in about 63 days, 289 homes on the market.

53 communities reporting1,266 sales analyzedRefreshed twice dailyMomentum Score 57
Live Market Pulse
57/100
Momentum
Balanced Market
About 4 months of supply — room to negotiate. Recalculated every day from licensed MLS data · last refresh September 15, 2026 at 7:33 PM ET.
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Live · 34609 Housing Pulse Licensed FL MLS feeds + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$375K
Median sold · 12 moConfidence: High
down 1.3% vs the prior 12 months
-1.3%
1-yr price change
n = 1,266 recent sales
$186/sf
Sold $/sqft · 12 mo
Hernando County: $190 · -0.5% vs prior yr
95.6%
Sale vs ask
Hernando County: 95.4% · -1.3pp vs prior yr
$310K
Hernando County home value
Zillow ZHVI, monthly · -2.4% vs a year ago
Tempo
4.2mo
Supply
3 to 6 months is the balanced band
63days
Median DOM · closed
Hernando County: 50 days · +18.0 days vs prior yr
36%
Under contract
Hernando County: 29%
289 · 106 ▲2
For sale · pending
live counts, refreshed twice daily
878
Sold · last 12 mo
closed across all tracked communities · +3.6% vs prior yr
Market context
32%
Listings with price cuts
Hernando County · Zillow · +0.4pp vs prior month
1,453
County for-sale inventory
Zillow, monthly · +0.6% vs prior month
42%
New construction
share of recent sales · -3.1pp vs prior yr
30%
Cash buyers
share of sales · peak 38% · +7.9pp vs prior yr
57/100
Momentum score
Balanced Market
Economy & people · county layer
$63,193
Median household income
U.S. Census ACS, county
201,512
County population
+10.3% since 2018
4.9×
Price to income
county home value vs median income
82%
Owner-occupied
U.S. Census ACS, county
$1,732/yr
Median property tax
county, ACS
Licensed FL MLSZillow ResearchU.S. Census ACSPublic records
$3.5B+ sold 10,000+ customers served Top 1% in Florida · RealTrends 800+ five-star reviews Licensed FL MLS data Updated daily
Today's Take · September 15, 2026
Jon Brooks
Jon Brooks
Co-Founder, Momentum Realty · CEO, Momentum Research
Housing Market Analyst

Inventory sits at 4.2 months of supply — balanced by the 3-to-6-month balanced benchmark, and 36% of listed homes are already under contract. Prices are down 1.3% versus the prior year, but sellers are still collecting 95.6% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.

What It Means

Who has leverage right now

BUYER'S SELLER'S 57
Momentum Score
Buyer leverage43
Seller leverage57

Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors neither side decisively.

Momentum Outlook
  • Prices — balanced supply argues for a sideways market; condition and pricing decide individual outcomes.
  • Inventory — building over the tracked window; watch whether that holds through the season.
  • Negotiating power — buyers gain ground as 36% of inventory sits under contract.
  • Mortgage sensitivity — at 4.9× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.

Derived from current 34609 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.

Supply by Price Band

One inventory number hides four different markets

Under $300K
2.9 mo · seller-tilted · 19 active
$300K–$500K
4.1 mo · balanced band · 222 active
$500K–$750K
4.0 mo · balanced band · 48 active

Months of supply = active listings ÷ monthly sales pace, bucketing communities by their recent median. 3–6 months is the balanced band.

Neighborhood Heat Map

Where 34609 is hot — and where it isn't

Each dot is a community (50 shown, sized by sales volume rank). Click any dot to open its full neighborhood guide.

Analysis

The read on 34609 (Spring Hill)

The median sale price across 34609 currently stands at $374,900, down 1.3% from a year ago. Buyers are paying a median of $186 per square foot. The typical home goes under contract in about 63 days. Sellers are capturing 95.6% of their original asking price on average.

There are 289 active listings on the market, with 106 more already under contract. At the current sales pace that works out to 4.2 months of supply — roughly balanced conditions by the standard six-month benchmark. 878 homes closed here over the trailing 12 months.

Zillow's home value index for Hernando County stands at $310,261. About 32% 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 34609 is 57 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of September 15, 2026.

Trends & History

34609 since 2014 — and where it’s heading

A median home here sold for $140,467 in 2014 and $390,499 over the last recorded year — 178% appreciation across 12 years of recorded sales. Cash buyers took 30% of recent sales, down from a 38% peak.

Median sale price · 2014–2026 (7,092 recorded sales)

$135K$265K$396K$390K2014: $140K2015: $166K2016: $170K2017: $189K2018: $215K2019: $234K2021: $302K2022: $346K2023: $381K2024: $375K2025: $389K2026: $390K20142017202120242026

Days on market by year

3d56d108d63d2014: 67d2015: 65d2016: 54d2017: 51d2018: 70d2019: 106d2021: 7d2022: 6d2023: 27d2024: 35d2025: 45d2026: 63d20142017202120242026

Cash buyers · share of sales

22%30%38%30%2016: 38%2017: 32%2018: 30%2019: 29%2020: 28%2021: 27%2022: 35%2023: 31%2024: 28%2025: 22%2026: 30%20162018202120242026

Home value trend · Hernando County (Zillow ZHVI)

$310K$314K$318K$310KJul '25: $318KAug '25: $316KSep '25: $315KOct '25: $314KNov '25: $314KDec '25: $314KJan '26: $314KFeb '26: $314KMar '26: $314KApr '26: $314KMay '26: $313KJun '26: $311KJul '26: $310KJul '25Oct '25Jan '26Apr '26Jul '26

For-sale inventory · county (Zillow)

1,4191,4861,5521,453Jul '25: 1,540Aug '25: 1,550Sep '25: 1,541Oct '25: 1,531Nov '25: 1,505Dec '25: 1,457Jan '26: 1,431Feb '26: 1,422Mar '26: 1,450Apr '26: 1,442May '26: 1,441Jun '26: 1,444Jul '26: 1,453Jul '25Oct '25Jan '26Apr '26Jul '26

Daily active vs pending · Hernando County (MLS)

4649931,521Jul 07 · Active: 1,458Aug 03 · Active: 1,467Aug 04 · Active: 1,434Aug 05 · Active: 1,442Aug 06 · Active: 1,444Aug 07 · Active: 1,458Aug 08 · Active: 1,456Aug 09 · Active: 1,455Aug 10 · Active: 1,446Aug 11 · Active: 1,439Aug 12 · Active: 1,444Aug 13 · Active: 1,442Aug 15 · Active: 1,448Aug 17 · Active: 1,453Aug 19 · Active: 1,455Aug 22 · Active: 1,476Aug 23 · Active: 1,475Aug 28 · Active: 1,491Aug 29 · Active: 1,500Aug 30 · Active: 1,496Aug 31 · Active: 1,498Sep 07 · Active: 1,478Sep 09 · Active: 1,473Sep 11 · Active: 1,489Sep 12 · Active: 1,492Sep 13 · Active: 1,489Sep 14 · Active: 1,487Sep 15 · Active: 1,489Jul 07Aug 19Sep 15ActivePending

Median price · daily recalculation

$374K$375K$375K$375KAug 06: $374KAug 08: $374KAug 09: $374KAug 10: $374KAug 11: $374KAug 12: $374KAug 13: $374KAug 15: $374KAug 17: $374KAug 18: $374KAug 19: $374KAug 20: $374KAug 21: $374KAug 22: $374KAug 23: $374KAug 24: $374KAug 26: $374KAug 28: $374KAug 29: $374KAug 30: $374KAug 31: $374KSep 01: $374KSep 04: $374KSep 05: $374KSep 06: $374KSep 07: $374KSep 08: $374KSep 09: $374KSep 10: $374KSep 11: $374KSep 12: $375KSep 13: $375KSep 14: $375KSep 15: $375KAug 06Aug 17Aug 28Sep 07Sep 15
Single-family 94%Villa 6%? 0%
Local Economics · county layer

What’s driving 34609

Who’s moving here
+4,826 net residents/yr

Top inbound states: NY, CA, NJ, IL. Movers arriving report ~$61,429 average income. Source: IRS SOI county-to-county migration, 2022-2023

Insurance reality check
$1,699/yr avg premium

4,534 Citizens policies in force in Hernando County — the state-backed insurer of last resort. Budget insurance into any Hernando purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026

Building pipeline
1,975 units permitted -21% YoY

1,734 single-family · 241 multi-family · 9.8 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025

Momentum Research Desk

The calls we’re making from today’s data

Biggest move
Caldera Phases 3 & 4 ▼ 25%

The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.

Biggest risk buyers are ignoring
$300K–$500K: 4.1 months of supply

The most crowded shelf in the market. Sellers here are competing hardest — which means overpaying in this band is the most avoidable mistake in 34609 right now.

Biggest opportunity
Under $300K: 2.9 months of supply

The tightest band — sellers in this range hold the most leverage, and buyers should walk in with financing done and terms clean.

What we’re telling clients today

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.

Compare Markets

Nearby ZIP codes in Hernando

MarketMedianActiveScore
34609 ← this page$375K28957
34613$374K26555Open →
34606$300K20965Open →
34614$375K15663Open →
34607$300K12858Open →
34608$300K8463Open →
Community Movers

Neighborhoods on the move

Prices rising fastest
silverthorn ph 2bSpring Hill$455K▲ 18%
CALDERASpring Hill$510K▲ 17%
SILVERTHORN PH 1Spring Hill$450K▲ 15%
Southern Hills PlantationBrooksville$688K▲ 12%
Hernando Highlands UnrecSpring Hill$435K▲ 5%
Prices cooling fastest
Caldera Phases 3 & 4Spring Hill$376K▼ 25%
WELLINGTON AT SEVEN HILLS PH 4Spring Hill$265K▼ 15%
wellington at seven hills ph 7Spring Hill$265K▼ 15%
villages at avalon ph 1Spring Hill$353K▼ 14%
manhattan manorTampa$518K▼ 13%
Most homes for sale
royal highlands unit 9Weeki Wachee$375K151
Southern Hills PlantationBrooksville$688K42
sterling hill ph 3Spring Hill$338K19
wellington at seven hills ph 7Spring Hill$265K13
pristine place ph 5Spring Hill$434K10
Selling fastest
CALDERASpring Hill$510K8 days
silverthorn ph 2bSpring Hill$455K18 days
manhattan manorTampa$518K24 days
Park Ridge VillasSpring Hill$276K25 days
Caldera Phase 5Spring Hill$498K29 days
Explore Deeper

Cities in this ZIP

Most active communities

Keep Going

Put this data to work

Plain Answers

The questions people actually ask

Should I buy a house in 34609 right now?

The data says conditions currently favor neither side decisively in 34609 — the Momentum Score reads 57/100 with 4.2 months of supply. 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 34609 becoming more affordable?

Yes, modestly — the median sale price in 34609 is $374,900, down 1.3% versus the prior year, while sellers still capture 95.6% 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 34609?

Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Caldera Phases 3 & 4 (-25%); WELLINGTON AT SEVEN HILLS PH 4 (-15%); wellington at seven hills ph 7 (-15%). 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 34609 neighborhoods are most competitive?

Measured by speed of sale, the fastest-moving tracked communities right now are CALDERA (8 days); silverthorn ph 2b (18 days); manhattan manor (24 days) — homes there go under contract well ahead of the market-wide pace of 63 days.

Questions

34609 (Spring Hill) housing market FAQ

How is the housing market in 34609 right now?

As of September 15, 2026, the 34609 housing market is roughly balanced: the median sale price is $374,900 (down 1.3% year over year), 289 homes are for sale against 878 sales in the last 12 months, which is 4.2 months of supply, and the typical home goes under contract in about 63 days.

How much is a house in 34609?

The median home sold for $374,900 in 34609 over the last 12 months, about $186 per square foot; asking prices on the 289 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.

Is it a good time to sell a house in 34609?

By the numbers, sellers in 34609 are getting 95.6% of asking price and going under contract in about 63 days with 4.2 months of supply. Under four months of supply generally favors sellers; over six favors buyers. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.

What is the 34609 housing market forecast?

Momentum Realty publishes the recorded trend, not a prediction: 34609 median sale prices are down 1.3% year over year, inventory stands at 4.2 months of supply, and 36% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.

What is the median home price in 34609?

The median sale price in 34609 is currently $374,900, down 1.3% from a year ago, based on MLS sales data updated September 15, 2026.

Is 34609 a buyer's or seller's market right now?

The data currently is roughly balanced. 34609 scores 57 of 100 on the Momentum Score, with 4.2 months of housing supply. Conditions change; this page updates daily.

How long do homes take to sell in 34609?

The typical home in 34609 goes under contract in about 63 days, per current MLS data.

How many homes are for sale in 34609?

There are approximately 289 active listings in 34609 as of September 15, 2026.

Are home prices in 34609 rising or falling?

Median sale prices are down 1.3% year over year based on a rolling comparison of MLS sales.

Put this data to work

Momentum agents use this intelligence every day to price listings and write winning offers across 34609 (Spring Hill). Talk through what the numbers mean for your move.

Talk to founders
Methodology & Accountability

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: September 15, 2026 at 7:33 PM ET

Find homes What's my home worth?

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.

Selling in this ZIP? Weigh the numbers first: the Florida sell-now-or-wait scoreboard, why 201,552 Florida listings failed to sell in 12 months, and cash offer vs. listing, both numbers. Compiled from MLS records; deemed reliable but not guaranteed.