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Ocala, Florida Retirement Guide
tax-friendly for retireesmild winterslow crime rate
65
Retirement Score
Ocala, Florida at a Glance
- Median Home Price
- $285,100
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 43°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- tax-friendly for retirees, mild winters, low crime rate
- RetireCityIQ Score
- 65 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$285,100High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,171High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
100 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
55.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
33.6 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
55.6 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
92°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
43°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
50"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
233 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
74.8 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
7.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
0.8 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
63,504High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
37.3High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
18.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$50,618High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
48.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
9.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
27.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
18.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
64.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
20.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
16.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
3.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Ocala using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$618
Stress-case monthly carrying cost
$694
Median home price used: $285,100
Median rent reference: $1,171 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.