Citrus County SHIP Program
Deferred second loan · Income limits
Down payment assistance · Citrus County
Buying a home in Crystal River, FL
1 county program and 26 statewide.Crystal River has no program of its own, 1 across Citrus County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Crystal River
No program of Crystal River’s own yet
No program run for Crystal River alone is listed. A home in Crystal River can use Citrus County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Ocala, about 34 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CitrusAnywhere in Citrus County
1 county program1 county program a Crystal River homebuyer can use
The Crystal River marketThe Crystal River housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Crystal River
- 53.7% single-familysingle-family
- 1.3% townhousetownhouse
- 18.5% 2–4 units2–4 units
- 16.2% 5+ unitscondo & apartment buildings (5+ units)
- 10.3% mobile & othermobile home & other
Condos count. Crystal River’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Crystal River’s homes were built
pre-19401970s2020+
37.4%
of Crystal River homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$81,400
County area median income, 4 people (HUD)HUD area median income, Citrus County, 4-person household (2026)
$54,405
Crystal River median household incomeMedian household income in Crystal River (Census, 2024)
28 of the 89 programs here set their income limit as a share of Citrus County’s area median income, adjusted for household size. See the published limits for Citrus County
Free help nearbyFree help near Crystal River
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Crystal River’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Citrus County SHIP Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Crystal River questions
Does Crystal River have its own down payment program?
No program run for Crystal River alone is listed. A home in Crystal River can use the 1 program that cover Citrus County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Crystal River?
Crystal River’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Citrus County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Citrus County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Crystal River?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Crystal River. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
34423 · 34428 · 34429
Nearby in Citrus
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.