Moving to Ocala, Florida: The 2026 Data Guide
As of 2026-09-27, the median home sold in Ocala, Florida over the last 12 months went for $245,000 (1,414 closings across 69 communities in Momentum’s MLS record), about $162 per square foot for a median 1,688-sq-ft home built around 2025. Homes currently listed have been on the market a median of 66 days, and with 474 active listings against that sales pace the city is carrying roughly 4.0 months of supply. Sellers have been getting about 95% of their original asking price. That median is 39% below the median across Momentum’s Florida and Georgia coverage.
Ocala right now — September 2026
Live pages for your move: 2,681 homes for sale in Ocala · Luxury homes · New construction · Condos (92) · Townhomes (48) · Homes by ZIP (11 ZIPs) · New listings this week · Price reductions · What your budget buys in Marion County · Property tax · Flood zones by neighborhood · Marion County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated September 27, 2026.
What your budget buys in Ocala
Three price points from 448 recent Ocala closings in our record, each showing what actually closed within 10% of that price:
- Around $239,900: the typical sale in this band was a 3-bed, 2-bath home of about 1,429 sq ft, built around 2025 (117 sales).
- Around $245,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,432 sq ft, built around 2025 (116 sales).
- Around $315,805: the typical sale in this band was a 4-bed, 2-bath home of about 1,882 sq ft, built around 2026 (138 sales).
The real monthly cost of owning in Ocala
Take the median $245,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $1,308/month. Marion County’s typical total millage is 12.08 mills, so after the $50,000 homestead exemption the property tax is roughly $2,356/year ($196/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Marion County is about $1,263/year; private-market quotes vary with roof age and wind mitigation. 46% of current Ocala listings carry an HOA, with a median of $110/month where one applies. All in, budget on the order of $1,609/month to own the median Ocala home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Marion County property tax guide and our home insurance by county map.
Where people are buying: Ocala’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| On Top Of The World | 320 | $210,500 | 75 |
| Ocala Crossings South | 91 | $293,990 | 66 |
| Ocala Park Estates | 71 | $239,900 | 41 |
| Marion Ranch | 54 | $292,070 | 40 |
| Cherrywood Preserve | 44 | $282,495 | 97 |
| The Towns at Laurel Commons | 42 | $224,490 | 157 |
| Marion Oaks Unit 9 | 41 | $285,000 | 92 |
| Heath Preserve | 36 | $285,000 | 28 |
Ocala by ZIP code
Sales and medians by ZIP over the same 12 months: 34476 (106 sales, median $256,150), 34473 (96 sales, median $273,995), 34474 (47 sales, median $289,990), 34482 (46 sales, median $313,218), 34481 (41 sales, median $239,000), 34472 (33 sales, median $265,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 94% were single-family homes, 6% townhomes or villas. New construction accounted for 59% of closings, led by Ocala Crossings South, Marion Ranch, Cherrywood Preserve, The Towns at Laurel Commons, Marion Oaks Unit 9. The housing stock skews newer: 75% of homes sold were built in 2015 or later and 3% before 1980.
Getting around from Ocala
Measured from the center of Ocala’s recent sales: Gainesville is about 39 miles; Downtown Orlando is about 63 miles; Orlando International Airport (MCO) is about 71 miles; Daytona Beach is about 71 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Marion County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Marion County’s typical millage of 12.08; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Marion County average of $1,263/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Ocala: the case for and against
What works in Ocala’s favor
- prices run 39% below the statewide median in our coverage
- 59% of sales are new construction, so builder incentives and warranties are part of the market
- insurance is comparatively manageable here (Citizens average $1,263/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Ocala relocation toolkit
- Homes for sale in Ocala right now
- New construction in Ocala
- Ocala ZIP codes with prices
- Search every Ocala community
Common questions about moving to Ocala
How much does a house cost in Ocala, FL?
What does it cost per month to own a home in Ocala?
What are property taxes like in Ocala?
Is Ocala a buyer's or seller's market right now?
Is there a lot of new construction in Ocala?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Ocala communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Marion County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.