Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$267,908−2.2% YoY · prices are falling
Market right nowBalanced, leaning buyersFewer homes for sale than last year, 20% have cut their price
Income needed to buy, per year$58,077About 0.9× the local median income ($64,046): affordable for a typical household
Days on market77 daysAbout the same pace as a year ago
Next 12 months−2.3%Zillow expects prices to dip slightly
The typical home in Ocala, FL is worth $267,908, down 2.2% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $255,912, so the area is 4.7% overvalued. It is a balanced market, leaning toward buyers: homes take about 77 days to sell, listings are down 12% from a year ago, 20% of listings have had a price cut. Zillow expects prices to fall about 2.3% over the next year. A household needs about $58,077 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $64,046. Typical rent is $1,593 a month, or $1,782 for a house. In the latest IRS figures, 11,408 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$267,908
Change in 1 year
−2.2%
Overvalued %
+4.7%
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Fair home value
$255,912
Change in 5 years
+20.2%
Zillow forecast, next 12 months
−2.3%
Home value to income
4.2×
Monthly mortgage payment (20% down)
$1,452
Income needed to afford it
$58,077
Property tax rate
0.74%
Rent and investing
Typical rent
$1,593
Typical rent for houses
$1,782
Price-to-rent ratio
14.0×
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HUD Fair Market Rent, 2 bedrooms
$1,394
Gross rental yield
7.14%
Cap rate (estimate)
4.64%
Market activity
Listings vs a year ago
−12.2%
Days on market
77
Listings with a price cut
20.2%
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Homes for sale
3,535
Pending sales per 100 listings
28
Asking price per sq ft
$181
People and jobs
Median household income
$64,046
Population change (1 year)
+3.4%
Unemployment rate
4.8%
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Population
442,660
Income adjusted for cost of living
$67,275
Net moves in (IRS)
+11,408
Cost of living (US = 100)
95.2
Schools, risk and environment
School rating (1 to 10)
4.4
FEMA hazard risk score (0 to 100)
94.7
Unhealthy air days a year
1
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Flood risk score
93.0
Wildfire risk score
96.8
Walkability (1 to 20)
7.3
Road, rail and air noise
54 dB
Questions people ask
Is Ocala, FL overvalued?
Home prices in Ocala, FL are slightly above what local incomes have historically supported: fair value is about $255,912, so the area is 4.7% overvalued.
Is Ocala, FL a buyer's or seller's market?
Ocala, FL is a balanced market, leaning toward buyers: homes take about 77 days to sell, listings are down 12% from a year ago, 20% of listings have had a price cut.
Are home prices going down in Ocala, FL?
Home values in Ocala, FL are down 2.2% over the last year. Zillow's forecast for the next 12 months is −2.3%.
How much do you need to earn to buy a home in Ocala, FL?
A household needs about $58,077 a year to afford the typical home in Ocala, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $64,046.