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City · 66,584 residents · Marion County, Florida

Ocala , Florida

In Ocala, a typical home is worth $241,400 and typical rent is $1,359 a month. Compared with all of Marion County, typical household income is 8% lower, typical rent is 6% higher, and the share of households that own their home is 25 points lower.

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  • Typical home value

    $241,400

    About the same as the county

    33% below Florida

    • Ocala
    • Marion
    • Florida

  • Typical rent

    $1,359a month

    6% above the county

    19% below Florida

    • Ocala
    • Marion
    • Florida

  • Typical household income

    $56,376a year

    8% below the county

    24% below Florida

    • Ocala
    • Marion
    • Florida

  • Households that own their home

    52%

    25 points below the county

    15 points below Florida

    • Ocala
    • Marion
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$263,895
2.4% less than 12 months ago
Typical rent
$1,584 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Ocala is in Marion County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Marion County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ocala apart

What this place has that others do not, from public data, most unusual first.

  1. 52% of households in Ocala own their home, against 77% in Marion County.

  2. Nearby, in Silver Springs Shores, the typical home value is $201,300: 17% less than in Ocala ($241,400).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Ocala

What homes there are in Ocala, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Ocala, 5 in 10 homes are single-family detached houses; in Marion County, 7.

Year built

The typical home in Ocala was built in 1984, 9 years before the typical one in Marion County.

Homes in Ocala are smaller: 50% have 3 bedrooms or more; in Marion County, 62%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Marion County is $541,287, and about 91% of owner-occupied homes in Ocala are worth less than that.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,394), about 52% of rented homes in Ocala cost less.

With a mortgage

$1,598 a month

Marion County: $1,406 a month

Without a mortgage

$573 a month

Marion County: $499 a month

Owners with a mortgage

58%

Marion County: 49%

Owning costs more in Ocala: with a mortgage, the typical cost is $1,598 a month; in Marion County, $1,406. Without one, $573.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Ocala gained value more slowly than in Marion County: 70% since 2015–2019, against 74%.

The typical rent in Ocala rose 47% over the same time; in Marion County, it rose 43%.

Here income did not keep up with housing: it rose 35%, while home values changed +70% and rent +47%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOcalaMarion CountyFloridaUnited States
Rental vacancy 9.3%9.1%7.6%5.5%
Homeowner vacancy Unreliable estimate1.6%1.4%0.9%
More than one person per room 1.6%2.1%3.3%3.4%
People per household 2.342.372.512.53
Drive alone 77%75%70%69%
Carpool 8%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 2%1%2%3%
Work from home 12%12%16%15%
Other means 1%1%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Marion County, the rental vacancy rate in Ocala is 9.3%.

Much as in Marion County, 1.6% of households in Ocala have more than one person per room.

By size, households in Ocala look like those in Marion County: 2.34 people on average.

To get to work, 77% of workers in Ocala drive alone; in Marion County, 75%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Ocala?

A typical home costs more than the typical income allows

We start with a typical home in Ocala, worth $241,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Ocala, which is $56,376 a year. For that payment to be 28% of income, a household would need to earn about $83,824 a year.

The calculator's FHA and conventional loan limits are those of all of Marion County.

Your numbers

Local data
$

Starts at the typical home value in Ocala. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,449 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,956

at 7.18% · 30 years

Loan amount
$237,028
Total interest
$341,027
Paid off in
November 2056

Includes $4,077 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,315 a month

  • Tight

    $1,315 to $1,691 a month

  • Hard

    more than $1,691 a month

    Your payment · 42%

Compared with the typical household income in Ocala ($56,376 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,956
Principal & interest$1,606
Property tax$143
Home insurance$101
FHA mortgage insurance (MIP)$107

You need at least $8,449 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Ocala and Marion County

Ocala is in Marion County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Ocala's own numbers

Typical home value
$241,400
Typical monthly rent
$1,359
Typical yearly household income
$56,376
Households that own their home
52%
Effective property tax rate
0.71%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Marion County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,394
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
4.6%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Marion County.

Everything about Marion County

Buying

Buying a home in Ocala

A typical home in Ocala is worth $241,400: about the same as the county and 33% below Florida. With the typical household income in Ocala ($56,376 a year), a typical home costs 4.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Ocala 4.3 years
  • Marion 4.0 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Marion County

According to FHFA’s house price index, home prices in Marion County rose 132% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Marion County.

Period County Florida U.S.
Last year (2025) +0.8% −0.5% +2.9%
5 years (2020–2025) +63% +60% +47%
10 years (2015–2025) +132% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Ocala next to Marion County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Ocala $241,400
  • Marion $243,100
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Ocala $1,359
  • Marion $1,277
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Ocala $56,376
  • Marion $61,010
  • Florida $74,568
  • United States $80,734
See the full table
Ocala next to Marion County and Florida
Measure Ocala Marion County Florida U.S.
Typical home value $241,400 $243,100 $359,000 $332,700
Typical monthly rent $1,359 $1,277 $1,669 $1,413
Typical yearly household income $56,376 $61,010 $74,568 $80,734
Households that own their home 52% 77% 68% 65%
Typical yearly property tax $1,723 $1,806 $2,730 $3,119
Effective property tax rate 0.71% 0.74% 0.76% 0.94%
Renters with high rent for their income 60% 53% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Marion County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Ocala

For a typical $241,400 home in Ocala, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ocala's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,956a month

    Least cash to close
    Down payment
    $8,449
    Cash to close
    $15,691
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $107

  • Conventional, 5% down $1,912a month

    Down payment
    $12,070
    Cash to close
    $19,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $115

  • Conventional, 20% down, no PMI $1,552a month

    Down payment
    $48,280
    Cash to close
    $55,522
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,775a month

    Down payment
    $36,210
    Cash to close
    $43,452
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Ocala and for Marion County.

Property tax

Effective rate in Ocala

0.71%of the home’s value each year

$1,723 a year for the typical owner in Ocala.

  • Ocala 0.71%
  • Marion 0.74%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Marion County

FEMA does not publish these numbers by city: they are for all of Marion County.

Homes in the high-risk zone
4.6%
7,895
Of those, with NFIP insurance
22%
County Florida U.S.
Homes in the high-risk zone 4.6% 13% 3.5%
Of those, with NFIP insurance 22% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ocala

Typical rent in Ocala is $1,359 a month: 6% above the county. In Ocala, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Marion County, by unit size. To pay the 2-bedroom one ($1,394 a month) without spending more than 30% of your income, you would need to earn $26.81 an hour working full time.

HUD fair market rent for all of Marion County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,194 $22.96 $47,760
1 bedroom $1,201 $23.10 $48,040
2 bedrooms $1,394 $26.81 $55,760
3 bedrooms $1,836 $35.31 $73,440
4 bedrooms $1,925 $37.02 $77,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Ocala

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ocala has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,240 in 34475 to $1,840 in 34474.

2 of the 4 are above the fair market rent for Marion County ($1,394).

  • 34470 $1,320$1,740
  • 34471 $1,430$1,880
  • 34474 $1,840$2,420
  • 34475 $1,240$1,600

4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ocala when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Ocala

HUD lists 18 buildings with rents for lower incomes in Ocala. These are the largest.

  • Deer Run 515 SW 2nd Ave, Ocala 34471 186 homes, 185 low-income · Run by Ocala Housing Authority · Average payment: $337 a month · Average wait: 41 months (352) 369-2636
  • Laurel Park I 100 NW 23rd Ave, Ocala 34475 170 low-income homes · 1 bd: 44 · 2 bd: 92 · 3 bd: 34 · In service since 2005 · For families
  • Trinity Villas I 3728 NE 8th Pl, Ocala 34470 162 homes, 161 low-income · For older adults (352) 694-5507
  • Berkeley Pointe 2833 NE 7th St, Ocala 34470 160 homes, 145 low-income · 1 bd: 32 · 2 bd: 72 · 3 bd: 48 · 4 bd: 8 · For families (352) 629-9651
  • Magnolia Walk II 2501 SW 10th St, Ocala 34471 144 low-income homes · 1 bd: 96 · 2 bd: 48 · In service since 2004 · For older adults, families

See all 22 buildings in Marion County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ocala

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Marion County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Ocala

No down payment, repair or rent-help program on our list is for Ocala or Marion County. The ones below are statewide in Florida: they work in Ocala the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Ocala

The HUD-approved agencies closest to the center of Ocala, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Ocala Housing Authority

    1629 NW 4th St, Ocala · 1 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (352) 369-2636

  • Community Legal Services of Mid-Florida, Inc. - Ocala Office

    1610 SE 36th Ave, Ocala · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • Community Legal Services of Mid-Florida, Inc. - Inverness Office

    106 N Osceola Ave, Inverness · 26 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

Every agency in Marion County All counseling agencies in Florida

Help in Spanish near Ocala

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Ocala

HUD’s record names them for Ocala or Marion County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Ocala Housing Authority Public housing and Section 8 vouchers (352) 369-2636

All housing agencies in Florida Source: HUD

Cities

Other cities in Marion County

These cities are also in Marion County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Marion County Housing in Florida

Nearby cities

The cities closest to Ocala, with the typical home value.

Neighboring counties

If Marion County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Ocala.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Ocala

Short answers with the numbers for Ocala and all of Marion County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Ocala?

The typical home value in Ocala is $241,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Marion County it is $243,100.

How much does it cost to rent in Ocala?

Typical rent in Ocala is $1,359 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Marion County is $1,394.

What is the FHA loan limit in Ocala?

Ocala uses the FHA limit for all of Marion County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Ocala?

The typical homeowner in Ocala pays $1,723 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Marion County, the rate is 0.74%.

Where can I find free help to buy or rent in Ocala?

There are 2 HUD-approved counseling agencies with an office in Marion County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).