ZIP Code 34470 — Ocala city, FL Demographics & Data

ZIP code 34470 covers Ocala, FL in Marion County with a population of about 21,521.

At a glance, the area shows median age of 40.1 (near the U.S. median).

It sits in telephone area code 352; U.S. House district FL-3; the ORLANDO - DAYTONA BCH - MELBRN media market.

Ocala, FL sits in a university / college context (near taylor college (1.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 34470 is about $49,592 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.5%; unemployment rate near 6.7%; 22.7% of adults with a bachelor’s degree or higher (about 11.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Healthcare; about 9.8% of workers reporting work-from-home (about 5.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $171,500 — about 51% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $914 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 61.8% (about 3.6 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34470 in Ocala, FL, a household would need roughly $47,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,102. That is roughly in line with the local median household income ($49,592). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Ocala city, FL as Relatively High (composite score 94.7), which is among the highest nationally. The strongest component scores on US5 are hurricane (97.8) and wildfire (96.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Ocala city, FL show little to no average snow and around 51.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 963 for ZIP 34470 (Ocala city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.