Citra, FL—32113
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Citra, FL
As of Oct '25, the median home price in Citra, FL is $297,000, with a year-over-year change of -0.1%. This indicates that home prices in Citra, FL are flat. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $297,000 | -0.1% |
| Single Family | $297,000 | -0.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $193,000 | -5.9% |
3 Bed | $306,000 | -0.6% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Citra, FL
As of July '25, Rentcast reports the average rent in Citra, FL is $2,020, with a year-over-year rent change of 19.5%. Per bedroom, the median rent as of July '25 in Citra, FL is 3-bedrooms: $1,960, 4-bedrooms: $2,400. The most common rental property sizes in Citra, FL are 2-bedroom and 3-bedroom, accounting for 65.6% and 28.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $2,020 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,000 | $1,960 |
| 4 Bed Rent | $2,400 | $2,400 |
% of Rental Stock
Property Listings — Citra, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Citra, FL is 80. This is a increase of 7.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 32.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $283,000 | -20.0% |
Listing Count | 25 | 17.0% |
| Listings as % of Homes | 0.6% | 17.0% |
Days on Market | 80 | 7.0% |
Demographics — Citra, FL
As of the latest ACS Survey released in 2023, Citra, FL has a population of 5,380, which has remained stable by 0.3% over the past 5 years. Citra, FL is a moderately popular place for families, as children make up 19.7% of the population. The area has a poorly educated workforce, with 11.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,380 | 0.3% |
% Under 18 | 19.7% | -6.2% |
% Seniors | 21.8% | 21.1% |
% WFH | 13.0% | -1.5% |
% w/ College Degree | 11.9% | 70.0% |
As of the latest ACS Survey released in 2023, Citra, FL is a predominantly white area, with 66.7% of the population identifying as white. The white population has shrunk by 5.0% in the last 5 years. The second most common race or ethnicity in Citra, FL is black, making up 11.8% of the population. Foreign-born residents account for 2.7% of the population in Citra, FL, and this percentage has decreased by 20.6% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 66.7% | -5.0% |
% Black | 11.8% | -23.4% |
% Hispanic | 10.1% | 17.4% |
% Asian | 0.4% | ∞% |
% Foreign Born | 2.7% | -20.6% |
Mortgage and Risk — Citra, FL
According to HUD data as of 2023, there were 56 mortgage originations in Citra, FL, of which 71.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 38.0% above 90% LTV (very high). This implies large mortgage risk in Citra, FL. Investor activity is low, as 0.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 56 |
% Conventional Loans | 71.0% |
% Government Loans | 29.0% |
% Investor Loans | 0.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Citra, FL
Citra, FL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | 2.1% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $940 |
| 2 Bedroom | N/A | N/A | $1,140 |
| 3 Bedroom | -$540 | $2,000 | $1,460 |
| 4 Bedroom | -$800 | $2,400 | $1,600 |
Affordability — Citra, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.5 |
| Median Home Price | $297,000 |
| Median Household Income | $62,400 |