Ocala cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index9299100
Goods & Services index9599100
Groceries index104105100
Health care index99100100
Housing index7296100
Transportation index10498100
Utilities index119102100
A general overview of the cost of living index for Ocala, FL is displayed above. In Ocala, FL, the overall cost of living index is 92, which is 7% lower than the Florida average and 8% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Ocala, FL, the city's goods and services are 4% lower than the Florida average and 5% lower than the U.S. average.
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Did you know?

  • The cost of living in Ocala is 7% lower than the Florida average.
  • The cost of living in Ocala is 8% lower than the national average.
  • The cost of housing in Ocala is 28% lower than the national average.
  • Florida general sales tax is 18% higher than the national average.
  • Florida state income tax is 100% lower than the national average.

Compare Ocala, FL Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is used in order to provide a comparison of your current salary in Ocala, FL to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Ocala, FL, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Ocala, FL salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Ocala, FL, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Ocala, FL has a median income of about $53,723 for people who own homes. Based on that number, a person should spend a maximum of $1,253 on expenses related to housing. Renters have a slightly different median income, which is $25,244. Based on this average, renters should spend no more than $589 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Florida Sales Tax

StateGeneral Sales TaxWith Max Surtax

Florida Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in Ocala, FL, it's important to take into account the sales tax for Florida, as well as the rate for income tax in Florida. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Florida is 7.5%, and the sales tax in the state of Florida is 6%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Florida starts from 0% and goes up to 0%.

Goods & Services

ItemOcalaNational avg.Difference
Haircut $14.98$17.4914.3%
Beauty Salon $38.00$38.170.5%
Toothpaste $3.55$2.3252.9%
Shampoo $0.99$1.012.5%
Movie $11.30$10.725.4%
Bowling $4.85$13.8665.0%


ItemOcalaNational avg.Difference
Ground Beef $4.17$3.906.8%
Fried Chicken $1.14$1.4018.2%
Milk $2.42$1.9623.3%
Potatoes $3.89$3.1822.1%
Pizza $8.00$10.3923.0%
Beer $8.41$9.238.9%

Health Care

ItemOcalaNational avg.Difference
Optometrist $67.62$106.3436.4%
Doctor $110.39$115.254.2%
Dentist $94.68$98.383.8%
Ibuprofen $9.19$9.260.8%
Lipitor $410.13$466.4712.1%


ItemOcalaNational avg.Difference
Home Price $120,700.00$184,700.0034.7%
Avg. Mortgage Payment $1,151.91$1,273.329.5%
Apartment Rent $819.00$949.0013.7%


ItemOcalaNational avg.Difference
Gasoline $2.32$2.5910.6%
Tire Balancing $48.29$48.901.2%


ItemOcalaNational avg.Difference
All Electricity$170.08$167.601.5%
Phone $39.80$163.4275.6%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Reddick, FL73385-15%
Silver Springs Shores, FL7,92988-12%
Belleview, FL4,68988-12%
Ocala, FL57,87392-8%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Tonawanda, NY57,84489-11%
White Plains, NY57,92515858%
Tamiami, FL57,79611212%
Arcadia, CA57,75519898%
Port Charlotte, FL58,00198-2%
Ocala, FL57,87392-8%
Source: The Ocala, FL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.
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