In On Top of the World, a typical home is worth $303,900 and typical rent is $1,212 a month. Compared with all of Marion County, the typical home value is 25% higher, typical rent is 5% lower, and the share of households that own their home is 15 points higher.
On Top of the World 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
What this place has that others do not, from public data, most unusual first.
1
On Top of the World has the 13th highest homeownership rate of the 481 cities in Florida with more than 5,000 people (93%).
2
Nearby, in Hernando, the typical home value is $209,700: 31% less than in On Top of the World ($303,900).
3
Nearby, in Hernando, the typical rent is $964: 20% less than in On Top of the World ($1,212).
4
The typical home in On Top of the World is worth $303,900,25% more than in Marion County as a whole ($243,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in On Top of the World
What homes there are in On Top of the World, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
On Top of the World
Marion County
Florida
United States
Kind of home: On Top of the World and its comparisons
Measure
On Top of the World
Marion County
Florida
United States
Detached house
66%
68%
55%
61%
Attached house
19%
3%
7%
6%
Building of 2 to 4
9%
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
7%
25%
19%
Mobile home
Unreliable estimate
18%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house is the most common home in On Top of the World: 66% of homes, near the figure in Marion County (68%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
On Top of the World
Marion County
Florida
United States
Year built: On Top of the World and its comparisons
Measure
On Top of the World
Marion County
Florida
United States
Before 1960
Unreliable estimate
5%
10%
26%
1960–1979
Unreliable estimate
19%
24%
24%
1980–1999
33%
38%
34%
25%
2000–2009
22%
24%
18%
14%
2010 or later
41%
14%
14%
11%
Here half of the homes date from 2006 or later; in Marion County, from 1993 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K22%
$200K–$300K24%
$300K–$500K43%
$500K–$750K7%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: On Top of the World and its comparisons
Measure
On Top of the World
Under $100K
Unreliable estimate
$100K–$200K
22%
$200K–$300K
24%
$300K–$500K
43%
$500K–$750K
7%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99913%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: On Top of the World and its comparisons
Measure
On Top of the World
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
13%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,513 a month
Marion County: $1,406 a month
Without a mortgage
$655 a month
Marion County: $499 a month
Owners with a mortgage
35%
Marion County: 49%
The typical cost for an owner with a mortgage in On Top of the World is $1,513 a month, more than in Marion County ($1,406); without one, $655.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
On Top of the WorldBoundaries changed
Marion County+74%
Florida+67%
United States+53%
Typical rent
On Top of the WorldBoundaries changed
Marion County+43%
Florida+42%
United States+33%
Typical household income
On Top of the WorldBoundaries changed
Marion County+35%
Florida+34%
United States+29%
Change since 2015–2019: On Top of the World and its comparisons
Measure
On Top of the World
Marion County
Florida
United States
Typical home value
Boundaries changed
+74%
+67%
+53%
Typical rent
Boundaries changed
+43%
+42%
+33%
Typical household income
Boundaries changed
+35%
+34%
+29%
The boundaries of On Top of the World changed since 2015–2019, so the Census does not compare its figures from then and now. In Marion County, the typical home value rose 74%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: On Top of the World and its comparisons
Measure
On Top of the World
Marion County
Florida
United States
Rental vacancy
Unreliable estimate
9.1%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.6%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.1%
3.3%
3.4%
People per household
1.74
2.37
2.51
2.53
Drive alone
70%
75%
70%
69%
Carpool
Unreliable estimate
11%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
23%
12%
16%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.74 on average, against 2.37 in Marion County.
In On Top of the World, 23% of workers work from home, more than in Marion County (12%).
Do the math
What would you pay each month for a home in On Top of the World?
A typical home costs more than the typical income allows
We start with a typical home in On Top of the World, worth $303,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in On Top of the World, which is $60,670 a year. For that payment to be 28% of income, a household would need to earn about $107,046 a year.
The calculator's FHA and conventional loan limits are those of all of Marion County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in On Top of the World. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,637 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,498
at 7.18% · 30 years
Loan amount
$298,395
Total interest
$429,321
Paid off in
November 2056
Includes $5,132 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,416 a month
Tight
$1,416 to $1,820 a month
Hard
more than $1,820 a month
Your payment · 49%
Compared with the typical household income in On Top of the World ($60,670 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,021
Property tax
$215
Home insurance
$127
FHA mortgage insurance (MIP)
$134
You need at least $10,637 for the down payment, plus closing costs.
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.
Total monthly payment $2,498; principal and interest $2,021.
The city and its county
On Top of the World and Marion County
On Top of the World 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).
On Top of the World
Map of Marion County, Florida, with On Top of the World marked. Around it, the neighboring counties.
On Top of the World
Marion County
Other cities with a page
On Top of the World's own numbers
Typical home value
$303,900
Typical monthly rent
$1,212
Typical yearly household income
$60,670
Households that own their home
93%
Effective property tax rate
0.85%
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.
A typical home in On Top of the World is worth $303,900: 25% above the county and 15% below Florida. With the typical household income in On Top of the World ($60,670 a year), a typical home costs 5.0 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.
On Top of the World5.0 years
Marion4.0 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Marion County, 2016 to 2025
2016: +7.2% +7.2% 2016
2017: +8.5% +8.5% 2017
2018: +8.5% +8.5% 2018
2019: +7.7% +7.7% 2019
2020: +4.8% +4.8% 2020
2021: +17.1% +17.1% 2021
2022: +26.3% +26.3% 2022
2023: +6.6% +6.6% 2023
2024: +2.8% +2.8% 2024
2025: +0.8% +0.8% 2025
Change in FHFA’s price index in Marion County, Florida and the United States
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
On Top of the World 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
On Top of the World$303,900
Marion$243,100
Florida$359,000
United States$332,700
Typical monthly rent
On Top of the World$1,212
Marion$1,277
Florida$1,669
United States$1,413
Typical yearly household income
On Top of the World$60,670
Marion$61,010
Florida$74,568
United States$80,734
See the full table
On Top of the World next to Marion County and Florida
Measure
On Top of the World
Marion County
Florida
U.S.
Typical home value
$303,900 ▲25% above the county
$243,100
$359,000
$332,700
Typical monthly rent
$1,212 ▼5% below the county
$1,277
$1,669
$1,413
Typical yearly household income
$60,670
$61,010
$74,568
$80,734
Households that own their home
93% ▲15 points above the county
77%
68%
65%
Typical yearly property tax
$2,593 ▲44% above the county
$1,806
$2,730
$3,119
Effective property tax rate
0.85% ▲0.11 points above the county
0.74%
0.76%
0.94%
“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 On Top of the World
For a typical $303,900 home in On Top of the World, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, On Top of the World's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,498a month
Least cash to close
Down payment
$10,637
Cash to close
$19,754
Rate
7.18%
Mortgage insurance
FHA MIP · $134
Conventional, 5% down$2,442a month
Down payment
$15,195
Cash to close
$24,312
Rate
7.18%
Mortgage insurance
PMI · $144
Conventional, 20% down, no PMI$1,989a month
Down payment
$60,780
Cash to close
$69,897
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,270a month
Down payment
$45,585
Cash to close
$54,702
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in On Top of the World
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,498
$10,637
$298,396
7.18%
FHA MIP · $134
$19,754
580
Conventional, 5% down
$2,442
$15,195
$288,705
7.18%
PMI · $144
$24,312
620*
Conventional, 20% down, no PMI
$1,989
$60,780
$243,120
7.18%
None
$69,897
620*
ITIN, 15% down (example)
$2,270
$45,585
$258,315
8.18%
None
$54,702
Set by the lender
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.
Typical rent in On Top of the World is $1,212 a month: 5% below the county.
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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Marion County (Fiscal year 2027)
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 On Top of the World
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). On Top of the World is in ZIP code 34481.
For 2 bedrooms it is $1,360: $34 less than the fair market rent for Marion County ($1,394).
Fair market rent by ZIP code and size in On Top of the World, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
34481
$1,160
$1,170
$1,360
$1,790
$1,880
ZIP code2 bd3 bd
34481 $1,360$1,790
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for On Top of the World 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for On Top of the World or Marion County. The ones below are statewide in Florida: they work in On Top of the World the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of On Top of the World, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for On Top of the World or Marion County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for On Top of the World 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 On Top of the World?
The typical home value in On Top of the World is $303,900, 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 On Top of the World?
Typical rent in On Top of the World is $1,212 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 On Top of the World?
On Top of the World 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 On Top of the World?
The typical homeowner in On Top of the World pays $2,593 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Marion County, the rate is 0.74%.
Where can I find free help to buy or rent in On Top of the World?
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.
