Market Overview
Home Prices in Ocala, FL
The median home value in Ocala, FL is $268,867 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.9% compared to a year ago and down 2.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ocala are priced34% below average. Ocala is part of the Ocala, FL metro area.
Over the past five years, Ocala home values have risen by approximately29.3%, reflecting strong long-term appreciation in this market.
Price History
Ocala Home Price Trend
2020
$175,307
$175K
—
2021
$208,020
$208K
+18.7%
2022
$277,450
$277K
+33.4%
2023
$284,115
$284K
+2.4%
2024
$284,565
$285K
+0.2%
2025
$276,813
$277K
-2.7%
2026
$268,867
$269K
-2.9%
City Comparison
Ocala vs. National Median
🏠 Ocala
$268,867
National Median
$410,000
At $268,867, homes in Ocala cost 34% below the national median of $410,000. This makes Ocala a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ocala?
20% Down Payment
$53,773
on $268,867
Monthly P&I
$1,402/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,781/mo
incl. taxes & insurance
Income Needed
$71,240
gross annual (30% rule)
10% Down Option
$26,887
+ PMI applies
Loan Amount (20% dn)
$215,094
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Ocala, FL?
The median home value in Ocala is $268,867 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.9% year-over-year.
How much have home prices changed in Ocala?
Over the past year, home values in Ocala have decreased by 2.9%. Over five years, prices have risen approximately 29.3%.
How much do I need to earn to buy a home in Ocala?
To comfortably afford the median home price of $268,867 with a 20% down payment ($53,773) at today's rates (6.8%), you'd need a gross annual income of approximately $71,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Ocala compare to the national average home price?
The national median home value is approximately $410,000. At $268,867, homes in Ocala are 34% below the national average.
What metro area is Ocala part of?
Ocala is part of the Ocala, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.