Ocala, FL home prices
Typical home $267,908 · -2.2% in a year · income needed $74,600
The Ocala, FL metro area ranks 399 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -2.2% in a year and +20.2% over five years. With 20% down at 7.11%, the typical home costs about $1,742 a month including 0.74% property tax (Marion County rate).
Mortgage on the typical Ocala home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,582 | $214,327 | $1,442 | $0 | $300 | $1,742 | $74,600 |
| 10% down | $26,791 | $241,117 | $1,622 | $100 | $300 | $2,022 | $86,700 |
| 5% down | $13,395 | $254,513 | $1,712 | $106 | $300 | $2,118 | $90,800 |
| 3.5% down (FHA) | $9,377 | $263,056 | $1,770 | $118 | $300 | $2,188 | $93,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.74% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Ocala area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Marion County, FL | $267,911 | -2.2% | 0.74% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in Ocala?
The typical home in the Ocala, FL metro area is worth $267,908 (Zillow, September 2026).
What salary do you need to buy a house in Ocala?
About $74,600 a year for the typical home with 20% down at 7.11%.