Total monthly cost of ownership
Cost to Own a Home in Crystal River, Florida
A $291,000 home here costs
$2,318per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,496. The real number is $822 higher every month — 55% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Crystal River against Citrus County and Florida
| Measure | Crystal River | Citrus County |
|---|---|---|
| Median home value | $290,900 | $223,200 |
| Median property tax | $2,389 | $1,320 |
| Effective tax rate | 0.821% | 0.591% |
| Median gross rent | $913 | $1,069 |
| Population | 3,443 | 158,693 |
The weather behind that power bill
Crystal River sits in Citrus County, which averages a high of 90.9°F in its hottest month and a low of 44.3°F in its coldest, with 51.94" of precipitation a year and 49% of it in a single three-month stretch. That climate drives 2,965 cooling and 876 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Citrus County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Citrus County
Common questions
How much does it cost to own a home in Crystal River?
A $291,000 home in Crystal River, Florida costs approximately $2,318 per month with 20% down at 6.66%. That is $1,496 principal and interest, $199 property tax, $176 homeowners insurance, $204 utilities and $243 set aside for maintenance.
What is the property tax rate in Crystal River?
Crystal River has an effective property tax rate of 0.821%, based on a median home value of $290,900 and median real estate taxes of $2,389. That is higher than the Citrus County average of 0.591%.
What is the average home price in Crystal River?
The median owner-occupied home value in Crystal River, Florida is $290,900, against $223,200 across Citrus County.
Is it cheaper to rent or buy in Crystal River?
Median gross rent in Crystal River is $913 a month, against $2,318 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Crystal River — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Florida.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.