Market Snapshot
- Median listing price
- $373K
- Median rent
- $1,325/mo
- Days on market
- 92 days
- Gross rental yield
- 4.27%
The median listing price in Ocala, FL ZIP 34480 is $372,500 as of September 2026.
The median market rent in Ocala, FL ZIP 34480 is $1,325/month as of September 2026.
The median days on market in Ocala, FL ZIP 34480 is 92 days as of September 2026. The market is currently neutral.
At a median list price of $372,500 and a median rent of $1,325/month, the gross rental yield in Ocala, FL ZIP 34480 is 4.27% as of September 2026.
Ocala, FL 34480 Real Estate Market Report
ZIP Code: 34480
Report Date: September 2026
Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.
Market Overview
This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Market Metrics
The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Rental Market
Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.
Property Taxes
Liquidity & Velocity
Market Trends & Context
Understanding Market Temperature
A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.
Current Mortgage Rate Context
Market-level mortgage rate comparison for this area:
Current 30-year fixed mortgage rates in Ocala, FL are 6.8% compared to 5.5% for typical loans originated earlier in 2026.
Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.
Key Findings
- The primary market value indicator is the median sold price: median sold price $352,000, which reflects recent transaction levels and sits below the median listing price of $372,500, suggesting pricing friction between seller expectations and realized sales.
- The market shows slower transaction velocity with a median days on market 92, which may indicate buyers have more time to negotiate and suggests moderate sales activity rather than rapid turnover.
- Price momentum is limited—price year-over-year trend is flat and the market temperature is neutral—so with market temperature neutral the market appears balanced and supports measured decision-making rather than aggressive pricing moves; consider patience on timing and staging to achieve full price.
- Financing headwinds are present: interest rate pressure is moderate and current 30-year fixed mortgage rates in Ocala are 6.8% compared to 5.5% earlier in 2026, so interest rate pressure moderate may constrain near-term price upside and requires buyers and investors to underwrite to current rates.
Notable Properties
The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.
Recent Transactions
Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.
Sold above market average
Quick sale indicating strong buyer demand and competitive market conditions.
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Representative market sale establishing baseline for properties in the core neighborhood.
Below-market acquisition. Investor purchase with value-add potential through renovation.
Sold below market average
Investment Analysis
Compare rental income potential against ownership costs and benchmark against market averages.
Monthly rental income vs estimated ownership cost
20% down, 6.71% rate, 1.1% tax
Avg nightly rate and occupancy for this ZIP
Data Sources
Real estate market data & public records, and GemHaus® proprietary models.
Report generated: 9/10/2026
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