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Citrus County/Homosassa/34446

34446

ZIPSAFMR
Citrus County, FL
Zillow

ZIP Investment Score

71Below average

095130300
BRFMR
Eff. Rent
0 BR$970$1,070
1 BR$980$1,080
2 BR$1,180$1,300
3 BR$1,630$1,790
4 BR$1,970$2,150
5 BR$2,266Not available
6 BR$2,605Not available
7 BR$2,996Not available
8 BR$3,446Not available

Purchase Price Calculator

Maximum purchase price
$131,263

Cost breakdown

+Likely effective rent$1,300
HUD FMR$1,180
Market rent$1,640
Est. payment standard (110%)Used$1,300
-Principal and interest-$664
Loan amount$105,010
Down payment$26,253
Rate6.50%
Term30 years
-Operating costs-$436
Property taxes-$131
Insurance-$175
Utilities$0
HOA$0
Management-$130
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,055(80.2% ROI)
Projected value
$141,356
Return breakdown
Property appreciation+$10,093
Loan principal paid down+$3,762
Rental cash flow+$7,200
5-year hold
+$35,958(137.0% ROI)
Projected value
$148,512
Return breakdown
Property appreciation+$17,249
Loan principal paid down+$6,709
Rental cash flow+$12,000
10-year hold
+$76,751(292.4% ROI)
Projected value
$168,028
Return breakdown
Property appreciation+$36,765
Loan principal paid down+$15,987
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.61
1 BR
0.65
2 BR
0.72
3 BR
0.80
4 BR
0.88
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 34446 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 34446 (Homosassa, FL) is $1,180 a month. That is down 4.8% from $1,240 in FY 2026. Homosassa is in the Homosassa Springs, FL MSA, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 23 ZIP codes in Citrus County, 34446 has the 16th-highest two-bedroom rent (county range $1,110–$1,460). The median county two-bedroom FMR in Florida is $1,474, so ZIP 34446 is 20% below it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 34446
BedroomsFY 2027Change90–110% range
Studio$970−2.0%$873–$1,067
1BR$980−2.0%$882–$1,078
2BR$1,180−4.8%$1,062–$1,298
3BR$1,630−5.2%$1,467–$1,793
4BR$1,970−3.4%$1,773–$2,167

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 34446
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$970$980$1,180$1,630$1,970
FY 2026$990$1,000$1,240$1,720$2,040
FY 2025$1,000$1,010$1,270$1,780$2,130
FY 2024$910$920$1,200$1,670$2,040
FY 2023$810$830$1,090$1,510$1,860

Two-bedroom rent in nearby Citrus County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 34446
34436$1,110−5.9%
34441$1,190+0.8%
34442$1,110−5.9%
34445$1,350+14.4%
34446Current$1,180—
34447$1,190+0.8%
34448$1,110−5.9%
34449$1,110−5.9%
34450$1,130−4.2%
34451$1,190+0.8%
34452$1,260+6.8%
34453$1,120−5.1%

Questions about ZIP 34446 rents

How much will Section 8 pay for a two-bedroom in ZIP 34446?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,180, that basic range is $1,062 to $1,298 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 34446 in?

ZIP 34446 is in the Homosassa Springs, FL MSA. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 34446 for FY 2027?

The two-bedroom FMR fell 4.8%, from $1,240 in FY 2026 to $1,180 in FY 2027. Since FY 2023 it has risen 8.3%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentHomosassa, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources