What $400K Buys in Citrus County, FL
A $400K budget buys a very different house depending on which Citrus County city you point it at. This page compares every city with at least five active listings within 10% of $400K — size, age, bed and bath count, price per square foot, how much of the inventory is new construction and how long it has been sitting — from today’s live MLS actives, and lists the communities with the most homes at that price. It refreshes every night.
There are 127 homes for sale in Citrus County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 2,092 sq ft, built 2006, at $189/sq ft; 32% of them are new construction and the median has been on the market 52 days. The most house for the money is in Dunnellon (2,273 sq ft median); the least in Crystal River (1,534 sq ft); the newest in Dunnellon (median build year 2026).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| Homosassa | 51 | 2,183 | 4 / 2.5 | 2022 | $180 | 43% | 56 |
| Crystal River | 16 | 1,534 | 3 / 2 | 1983 | $253 | 0% | 21 |
| Inverness | 13 | 1,982 | 3 / 2 | 2018 | $220 | 31% | 33 |
| Hernando | 12 | 1,895 | 3 / 2 | 1995 | $205 | 17% | 124 |
| Dunnellon | 10 | 2,273 | 4 / 3 | 2026 | $175 | 70% | 43 |
| Beverly Hills | 9 | 1,823 | 3 / 2 | 2005 | $206 | 22% | 50 |
| Citrus Springs | 7 | 2,179 | 4 / 3 | 2023 | $175 | 43% | 57 |
| Lecanto | 6 | 1,820 | 3 / 2 | 2001 | $203 | 17% | 54 |
By ZIP code: where $400K goes furthest
The same budget by ZIP — useful where one city covers most of the county.
| ZIP | Homes for sale | Median sq ft | Median year built | $ / sq ft | New construction |
|---|---|---|---|---|---|
| 34446 Homosassa | 44 | 2,265 | 2024 | $178 | 48% |
| 34442 Hernando | 12 | 1,895 | 1995 | $205 | 17% |
| 34453 Inverness | 9 | 1,944 | 2018 | $221 | 33% |
| 34434 Dunnellon | 9 | 2,478 | 2026 | $172 | 67% |
| 34429 Crystal River | 9 | 1,621 | 1980 | $239 | 0% |
| 34465 Beverly Hills | 9 | 1,823 | 2005 | $206 | 22% |
| 34433 Citrus Springs | 8 | 2,135 | 2017 | $179 | 50% |
| 34448 Homosassa | 7 | 1,436 | 1986 | $278 | 14% |
| 34428 Crystal River | 7 | 1,456 | 1986 | $275 | 0% |
| 34461 Lecanto | 6 | 1,820 | 2001 | $203 | 17% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Sugarmill Woods Oak Village | HOMOSASSA | 25 | 2,265 | 2024 |
| Sugarmill Woods Cypress Village | HOMOSASSA | 14 | 2,332 | 2019 |
| Citrus Hills | HERNANDO | 6 | 1,895 | 1988 |
| Inverness Highlands | INVERNESS | 2 | 1,986 | 2025 |
| Riverhaven Village | HOMOSASSA | 2 | 1,985 | 1985 |
| Crystal Manor | Crystal River | 1 | 1,840 | 2015 |
| The Fairways At Twisted Oaks | BEVERLY HILLS | 1 | 1,636 | 2023 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of September 18, 2026; property mix at this price: Single-family 91%, Condo 6%. Cities with fewer than five listings in the band are folded out of the city table but still count in the county total. Prices are asking prices, not closings — see the county page for sale-to-list ratios. Source: live MLS feeds compiled by Momentum Research. Other budgets in Citrus County: $300K, $500K. Back to homes for sale in Citrus County, FL.