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Ocala city, FL

ZIP 34470 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34470

Median Home Value
$171,500
Median Rent
$914
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,102/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

15.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 34470 in Ocala city, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.8%-5% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
87.9%+1% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
47.8%+25% vs US avg
x
$171,500
Home Value
$914
Rent
1980
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached58.2%
  • 1-unit attached5.0%
  • 2-9 units16.4%
  • 10+ units10.6%
  • Mobile home & other9.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$171,500
Median rent$914
Owner-occupied61.8%
Vacant8.7%
Price-to-income3.5x
Est. income to buy$47,000