Citrus County, FL Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Citrus County, FL distress report, 2026: 17 ZIPs scored in Citrus, FL, Citrus, FL average 37/100; the top Citrus, FL ZIP is 34601 at 38/100; Citrus, FL market phase expansion, Citrus, FL prices +5.0% year over year.
- Citrus, FL ranks #113 nationally (opportunity index); Citrus, FL #16 in Florida; Citrus, FL index 36.9.
- Citrus, FL ninety-day mortgage delinquency 1.4% in December 2025; Citrus, FL twelve-month change +1.0%.
- Citrus, FL ZIP phases: 15 expansion, 2 peak.
- Citrus, FL residential listings tracked: 492 across 15 ZIPs; Citrus, FL candidate listings 309.
- Citrus, FL HUD assisted properties: 4 with 49 units.
- Citrus, FL lenders on watch: 3; largest Citrus, FL footprint Brannen Bank (9 branches).
- Citrus, FL most distressed ZIP: 34601 at 38/100.
Citrus, FL figures: DLRadar distress index; Citrus, FL inputs: CFPB, FHFA, HUD, FDIC; Citrus, FL rebuilt as sources refresh.
| Rank | Citrus, FL ZIP | Score |
|---|---|---|
| 1 | 34601 | 38/100 |
| 2 | 34428 | 37/100 |
| 3 | 34429 | 37/100 |
| 4 | 34433 | 37/100 |
| 5 | 34434 | 37/100 |
| 6 | 34436 | 37/100 |
| 7 | 34442 | 37/100 |
| 8 | 34445 | 37/100 |
| 9 | 34446 | 37/100 |
| 10 | 34448 | 37/100 |
| 11 | 34450 | 37/100 |
| 12 | 34452 | 37/100 |
Most distressed Citrus, FL ZIPs (0-100, 2026)
Mortgage delinquency in Citrus, FL
1.4% of Citrus, FL mortgages were ninety-plus days late (Citrus, FL, December 2025); Citrus, FL thirty-to-eighty-nine days late: 2.8%; Citrus, FL twelve-month change +1.0%; Citrus, FL peak since 2008: 6.6% (February 2012); Florida overall 1.2%. Citrus, FL ninety-day series: Dec 24 0.4, Jan 25 0.6, Feb 25 0.5 (Citrus, FL), Mar 25 0.9, Apr 25 0.7, May 25 0.9 (Citrus, FL), Jun 25 1.1, Jul 25 1.0, Aug 25 1.1 (Citrus, FL), Sep 25 1.4, Oct 25 1.1, Nov 25 1.2 (Citrus, FL), Dec 25 1.4.
Opportunity index: Citrus, FL
Citrus, FL index 36.9, Citrus, FL phase strong_buy; Citrus, FL primary driver vacancy, Citrus, FL second driver construction. Citrus, FL components: property stress 36.0, foreclosure pressure 34.6, listing discounts 37.6, bank stress 47.7, insurance 0.0; Citrus, FL pulse 39.7; Citrus, FL capital opportunity 32.8.
ZIP market phases inside Citrus, FL
17 Citrus, FL ZIPs carry a price-cycle phase; Citrus, FL ZIPs by phase (Citrus, FL), deepest drawdown first: peak, +0.1% YoY, 1.9% off peak (Citrus, FL): 34449; peak, +0.6% YoY, 0.3% off peak (Citrus, FL): 34601; expansion, +5.0% YoY (Citrus, FL): 34428, 34429, 34433, 34434, Citrus, FL 34436, 34442, 34445, 34446, Citrus, FL 34448, 34450, 34452, 34453, Citrus, FL 34461, 34465.
Residential listings by Citrus, FL ZIP
Citrus, FL ZIPs with the most tracked Citrus, FL residential listings: 34446 93 listings, 63 candidates, bank pressure 62; 34442 89 listings, 64 candidates, bank pressure 62; 34465 72 listings, 47 candidates, bank pressure 62; 34461 48 listings, 32 candidates, bank pressure 62 (Citrus, FL); 34453 45 listings, 27 candidates, bank pressure 62; 34434 42 listings, 27 candidates, bank pressure 62; 34452 22 listings, 14 candidates, bank pressure 62; 34428 18 listings, 7 candidates, bank pressure 62. Citrus, FL totals: 492 listings; Citrus, FL candidates 309; active ZIPs 0.
HUD assisted housing in Citrus, FL
4 assisted properties with 49 units sit in Citrus, FL; largest Citrus, FL properties: Key Vista Apartments (Inverness) 17 units, 17 assisted; Key Center Homes (Inverness) 12 units, 12 assisted; Key Light Homes (Inverness) 12 units, 12 assisted in Citrus, FL; Key Manor Apartments (Inverness) 8 units, 8 assisted.
Lenders with branches in Citrus, FL
Citrus, FL lenders by branch count: Brannen Bank (Citrus, FL): stress 62, 9 branches low in Citrus, FL; Capital City Bank (Citrus, FL): stress 54, 3 branches low in Citrus, FL; Seacoast National Bank (Citrus, FL): stress 58, 2 branches low in Citrus, FL.
Vacancy and permits, Citrus, FL
13,638 of 84,929 Citrus, FL housing units are vacant; Citrus, FL permits, twelve months: 0 multifamily units in Citrus, FL, 1,972 one-to-four unit units.
Work Citrus, FL at the parcel level
Every Citrus, FL parcel carries owner and address; every Citrus, FL parcel carries APN; Citrus, FL distress scores sit on the Citrus, FL live board; Citrus, FL lead lists by signal.
Citrus, FL figures refresh with each source.
Citrus, FL questions
Most distressed ZIP code in Citrus County, FL?
ZIP 34601 leads Citrus, FL at 38/100; next in Citrus, FL: 34428 at 37/100; the Citrus, FL average is 37/100.
Where does Citrus County, FL rank for investment opportunity?
Citrus, FL is #113 among all ranked counties, #16 in Florida; the Citrus, FL driver is vacancy; Citrus, FL moved up 186 places.
How many mortgages are delinquent in Citrus County, FL?
1.4% of Citrus, FL mortgages were ninety-plus days late in December 2025; the Citrus, FL peak since 2008 was 6.6%.
Which banks lend in Citrus County, FL?
3 watched lenders hold Citrus, FL branches; the largest Citrus, FL footprints are Brannen Bank (9), Capital City Bank (3), Seacoast National Bank (2).
More on Citrus, FL
Citrus County, FL distress report: public-record figures for Citrus, FL; not legal advice for Citrus, FL; not tax or investment advice; verify every Citrus, FL record before acting.