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Crystal River city, FL

ZIP 34428 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34428

Median Home Value
$236,100
Median Rent
$755
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,517/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 34428 in Crystal River city, FL, a household would need roughly $65,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,517. That is about 35% above the local median household income ($48,185), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.2%+15% vs US avg
x
Vacancy Rate
14.4%+40% vs US avg
x
Broadband Access
84.1%-3% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
37.0%-26% vs US avg
x
Mortgage-Free
65.6%+72% vs US avg
x
$236,100
Home Value
$755
Rent
1987
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached61.5%
  • 1-unit attached1.8%
  • 2-9 units8.0%
  • 10+ units2.2%
  • Mobile home & other26.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$236,100
Median rent$755
Owner-occupied75.2%
Vacant14.4%
Price-to-income4.9x
Est. income to buy$65,000