The typical owner-occupied home in Crystal River is worth about $332,100, 7% below the Florida median of $359,000 and about the same as the national median of $332,700. Owners pay a median $2,628 a year in property taxes, about 0.79% of their home's value, close to the Florida rate of 0.76%. The median household earns $54,405 a year, so the median home costs 6.1 times the median income (4.8 times for Florida). 61% of occupied homes here are lived in by their owners, and 33% of those owners still have a mortgage.
Crystal River at a glance
| Crystal River | Florida | U.S. | |
|---|---|---|---|
| Median home value | $332,100 | $359,000 | $332,700 |
| Median property tax paid per year | $2,628 | $2,730 | $3,119 |
| Property tax as a share of value | 0.79% | 0.76% | 0.94% |
| Median household income | $54,405 | $74,568 | $80,734 |
| Homes lived in by their owners | 61% | 68% | 65% |
| Owner homes with a mortgage | 33% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $2,136 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 28.4% | 23.6% | 21.0% |
| Median rent | $880 | $1,669 | $1,413 |
| Rent as a share of renters' income | 27.3% | 35.2% | 30.6% |
| Median year homes were built | 1985 | 1988 | 1980 |
| Vacant homes | 27.7% | 14.7% | 10.1% |
| Population | 3,638 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Crystal River
At this week's average 30-year rate of 7.11%, buying the median Crystal River home of $332,100 with 20% down costs about $2,144 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,697, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $91,897 for the 20%-down payment. That payment is 47% of the median Crystal River household income of $54,405; at that income and 20% down, the 28% guideline points to a home of about $197,000.
The median rent here is $880 a month, so owning the median home costs about $1,264 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $66,420 |
|---|---|
| Loan amount | $265,680 |
| Principal and interest | $1,787 |
| Property taxes (0.79% a year) | $219 |
| Homeowners insurance (our estimate, 0.5% a year) | $138 |
| PMI | $0 |
| Total per month | $2,144 |
Change the numbers in the calculator
| Down payment | $11,624 |
|---|---|
| Loan amount | $326,085 |
| Principal and interest | $2,194 |
| Property taxes (0.79% a year) | $219 |
| Homeowners insurance (our estimate, 0.5% a year) | $138 |
| FHA mortgage insurance | $147 |
| Total per month | $2,697 |
Change the numbers in the calculator
Questions about home buying in Crystal River
What is the median home value in Crystal River?
About $332,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Crystal River?
Homeowners pay a median $2,628 a year, which is about 0.79% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Crystal River?
For the median home with 20% down at 7.11%, the payment is about $2,144 a month. Keeping that under 28% of gross income takes about $91,897 a year.
More about Crystal River
- Mortgage Refinance in Crystal River
- Debt Relief in Crystal River
- Home Equity Loans in Crystal River
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data