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Ocala city, FL

ZIP 34474 — 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 34474

Median Home Value
$177,800
Median Rent
$1,328
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,142/mo PITI).

26%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.2 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 34474 in Ocala city, FL, a household would need roughly $49,000 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 $1,142. That sits below the local median household income ($62,150), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
45.6%-30% vs US avg
x
Vacancy Rate
9.2%-10% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
47.6%+25% vs US avg
x
$177,800
Home Value
$1,328
Rent
1994
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached29.3%
  • 1-unit attached3.1%
  • 2-9 units24.8%
  • 10+ units21.4%
  • Mobile home & other21.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,800
Median rent$1,328
Owner-occupied45.6%
Vacant9.2%
Price-to-income2.9x
Est. income to buy$49,000