FL mortgage rates

Citrus County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Citrus County, Florida. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Citrus County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Citrus County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Citrus

A local view of the market.

Citrus County, FL, has a growing real estate market, with median home values around $320,000 in 2024. Known for its natural springs and scenic landscapes, it attracts retirees, nature enthusiasts, and families. Key cities include Inverness, the county seat with around 7,500 residents, and Crystal River, known for its manatee tours and nature attractions. Citrus County offers a rural-suburban mix with an economy based on tourism, healthcare, and small businesses. Its natural beauty, affordability, and recreational options make it popular for residents seeking a quieter lifestyle centered around outdoor activities.

County snapshot

Market context.

FL

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaHomosassa SpringsMapped market area
Area code26140CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Citrus County

Common questions about 2026 loan limits and refinancing opportunities in Florida.

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