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Ocala city, FL

ZIP 34480 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34480

Median Home Value
$248,400
Median Rent
$1,007
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,596/mo PITI).

16%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

20.6 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 34480 in Ocala city, FL, a household would need roughly $68,000 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 $1,596. That is roughly in line with the local median household income ($75,334). 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
78.0%+19% vs US avg
x
Vacancy Rate
9.8%-5% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
2.7%-60% vs US avg
x
Rent Burden >30%
11.8%-76% vs US avg
x
Mortgage-Free
44.8%+17% vs US avg
x
$248,400
Home Value
$1,007
Rent
1989
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached76.5%
  • 1-unit attached0.3%
  • 2-9 units11.6%
  • 10+ units0.0%
  • Mobile home & other11.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$248,400
Median rent$1,007
Owner-occupied78.0%
Vacant9.8%
Price-to-income3.3x
Est. income to buy$68,000