Ocala, FL Cost Of Living

Demographics | Crime | Cost Of Living
Updated: 2025-10-24

Cost Of Living In Ocala, FL Summary

Cost of living in Ocala research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means Ocala is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in Florida, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

  • The cost of living index in Ocala is 93, with 100 being the average.

  • The cost of living index in Ocala is 0.9x lower than the national average.

  • Ocala ranks as the #69 cheapest in Florida out of 459.

  • Ocala ranks as the #1,658 cheapest out of 6,489 in the US.

  • The median home value in Ocala is $271,107.

  • The median income in Ocala is $53,520.

Table Of Contents

  1. Summary
  2. National Comparison
  3. Housing Breakdown
  4. Detailed Pricing
  5. Nearby Comparisons
93
Ocala's Overall Cost Of Living
0.9x
Lower Than The National Average

What is the cost of living in Ocala, FL?

According to the most recent data on the cost of living, Ocala has an overall cost of living index of 93, which is 0.9x lower than the national index of 100.

Compared to Florida, Ocala has a cost of living index that's 1.0x lower than Florida's index of 97.

The standard of living in Ocala ranks as #69 most affordable out of the 459 places we measured in Florida. By definition, that implies Ocala ranks as the #390 most expensive place in the Sunshine State.

For more reading on life in Ocala, check out:

69 out of 459
In Florida
1,658 out of 6,489
In America

Ocala Cost Of Living Vs. Florida

Six factors go into calculating the cost of living index in Ocala. Here is how it fairs on each of the criteria:

  • The Services index in Ocala is 91.

  • The Groceries index in Ocala is 97.

  • The Health index in Ocala is 92.

  • The Housing index in Ocala is 89.

  • The Transportation index in Ocala is 106.

  • The Utilities index in Ocala is 85.

Living Expense Ocala Florida National Average
Overall 93 97 100
Services 91 96 100
Groceries 97 99 100
Health 92 98 100
Housing 89 96 100
Transportation 106 97 100
Utilities 85 95 100
For more reading on cost of living around Florida, check out:
Ocala Cost of Living Vs. FL

Ocala, FL Housing Cost Breakdown

Housing swings affordability the most between places in Florida, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2019-2023. The key points are:

  • The Median Home Value in Ocala is $271,107.

  • The Median Rent in Ocala is $1,230.

  • The Median Income in Ocala is $53,520.

  • The Home Value To Income in Ocala is 5.1x.

  • The Rent To Monthly Income in Ocala is 0.28x.

Statistic Ocala Florida United States
Median Home Value $271,107 $377,066 $303,400
Median Rent $1,230 $1,564 $1,348
Median Income $53,520 $71,711 $78,538
Home Value To Income 5.1x 5.3x 3.9x
Rent To Monthly Income 0.28x 0.26x 0.21x
$271,107
Median Home Value
$1,230
Median Rent
$53,520
Median Income

Ocala, FL Costs By Category

Detailed Ocala Services Costs Vs. Florida

Item Ocala Florida
Shampoo $1.41 $1.28
Movie $13.48 $12.13
Bowling $16.89 $18
Haircut $22.56 $24.26
Beauty Salon $62.28 $45.56

Detailed Ocala Groceries Costs Vs. Florida

Item Ocala Florida
Ground Beef $5.76 $5.84
Fried Chicken $1.42 $1.57
Milk $4.55 $4.67
Potatoes $5.29 $4.93
Pizza $10.99 $12.09
Beer $11.0 $10.41
Toothpaste $3.65 $3.7

Detailed Ocala Health Costs Vs. Florida

Item Ocala Florida
Optometrist $80.94 $125.68
Doctor $125.35 $135.78
Dentist $103.14 $113.29

Detailed Ocala Transportation Costs Vs. Florida

Item Ocala Florida
Gasoline $3.36 $3.46
Tire Balancing $54.31 $59.92

Detailed Ocala Utilities Costs Vs. Florida

Item Ocala Florida
All Electricity $162.33 $193.99
Phone $192.62 $192.25

Ocala SnackAbility

4
/10
Overall SnackAbility
Jobs
4/10
Housing
8
Affordability
5
Diversity
9
Safety
4
Amenities
8.5
Education
8
Commute
8.5

Cost Of Living In Cities Around Ocala

The cost of living varies in the cities and towns around Ocala. Here's a quick look at the cost of living in the most populous nearby places:

  • Gainesville, FL has a cost of living index of 96, 1.0x Ocala.

  • The Villages, FL has a cost of living index of 113, 1.2x Ocala.

  • Apopka, FL has a cost of living index of 111, 1.2x Ocala.

City Population Cost Of Living Vs. Ocala
Gainesville, FL 143,611 96 1.0x
The Villages, FL 82,108 113 1.2x
Apopka, FL 56,202 111 1.2x
Clermont, FL 44,984 112 1.2x
Leesburg, FL 28,461 92 1.0x
Silver Springs Shores, FL 27,556 89 1.0x
Eustis, FL 23,567 93 1.0x
Tavares, FL 19,738 94 1.0x
Mount Dora, FL 16,812 108 1.2x
Lady Lake, FL 16,337 93 1.0x

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