Market Overview
Home Prices in Citra, FL
The median home value in Citra, FL is $305,474 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.2% compared to a year ago and down 0.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Citra are priced25% below average. Citra is part of the Ocala, FL metro area.
Over the past five years, Citra home values have risen by approximately40.3%, reflecting strong long-term appreciation in this market.
Price History
Citra Home Price Trend
2020
$173,393
$173K
—
2021
$217,732
$218K
+25.6%
2022
$275,949
$276K
+26.7%
2023
$287,131
$287K
+4.1%
2024
$299,176
$299K
+4.2%
2025
$298,883
$299K
-0.1%
2026
$305,474
$305K
+2.2%
City Comparison
Citra vs. National Median
🏠 Citra
$305,474
National Median
$410,000
At $305,474, homes in Citra cost 25% below the national median of $410,000. This makes Citra a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Citra?
20% Down Payment
$61,095
on $305,474
Monthly P&I
$1,593/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,023/mo
incl. taxes & insurance
Income Needed
$80,920
gross annual (30% rule)
10% Down Option
$30,547
+ PMI applies
Loan Amount (20% dn)
$244,379
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Citra, FL?
The median home value in Citra is $305,474 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.2% year-over-year.
How much have home prices changed in Citra?
Over the past year, home values in Citra have increased by 2.2%. Over five years, prices have risen approximately 40.3%.
How much do I need to earn to buy a home in Citra?
To comfortably afford the median home price of $305,474 with a 20% down payment ($61,095) at today's rates (6.8%), you'd need a gross annual income of approximately $80,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Citra compare to the national average home price?
The national median home value is approximately $410,000. At $305,474, homes in Citra are 25% below the national average.
What metro area is Citra part of?
Citra is part of the Ocala, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.