Moving to Ocala, FL: the local's guide
Thinking about Ocala or Marion County? Here's what to know before you move, in plain English.
Why is everyone moving to Ocala?
Florida taxes
Florida has no state personal income tax, and homeowners can apply for a homestead exemption on their main home.
Space and pace
From neighborhood homes to horse farms with acreage, Ocala offers more room and a slower pace than Florida's big metros.
Central location
I-75 runs right through Ocala, with Gainesville to the north and Orlando and Tampa within driving distance.
Horse country and springs
Ocala calls itself the "Horse Capital of the World," and crystal-clear springs are minutes away.
Cost of living and housing
Many movers find Ocala more affordable than South Florida, Orlando, or Tampa, but prices vary a lot by neighborhood and home type. Budget for property taxes, homeowners insurance (and flood insurance if needed), and any HOA fees, not just the price.
For current prices in the areas you like, .
Weather
Expect hot, humid summers with frequent afternoon storms and mild winters. Hurricane season runs June 1 to November 30. Ocala is inland, but storms can still bring wind and heavy rain, so insurance and a good roof matter.
Things to do
- Silver Springs State Park: famous glass-bottom boat tours, kayaking, and trails.
- Rainbow Springs State Park in Dunnellon: swimming, tubing, and gardens.
- World Equestrian Center: horse shows, events, and dining.
- Downtown Ocala square: restaurants, shops, and community events.
- Ocala National Forest: lakes, springs, and trails east of town.
Getting around
Most people drive. I-75 is the main north–south route, with US-27, US-441, and SR-200 connecting neighborhoods. For flights, people commonly use Gainesville, Orlando, or Tampa airports.
Schools, healthcare and taxes
Schools
Marion County Public Schools serves the county. Assignments depend on address, so check before you buy.
Healthcare
Ocala has major hospitals including HCA Florida Ocala Hospital, HCA Florida West Marion Hospital, and AdventHealth Ocala.
Taxes
No state personal income tax. Homestead exemption up to $50,000 of assessed value for your primary home; apply by March 1.
Insurance
Get homeowners and flood insurance quotes early. Roof age and wind-mitigation features can affect price.
Want a hand with this step? I'll walk you through it, no pressure.
Frequently asked questions
Why is everyone moving to Ocala?
People mention Florida's lack of a state personal income tax, a lower pace than big metro areas, the natural springs and horse country, and a central location on I-75. Everyone's reasons are different; I'm happy to talk through yours.
Is Ocala a good place to retire?
Many retirees choose the area. There are several 55+ communities, including On Top of the World, Del Webb Stone Creek, and Oak Run. See the neighborhood guide.
Does Florida have a state income tax?
Florida does not have a state personal income tax. Property taxes, sales tax, and insurance still matter, so budget for them.
Do I need to worry about hurricanes in Ocala?
Ocala is inland, but hurricane season (June 1 to November 30) still brings wind and rain risk. Plan for homeowners insurance, check the flood zone, and ask about the roof and wind-mitigation features.
What schools serve Ocala?
Public schools are run by Marion County Public Schools. School assignment depends on the address, so check the district's school locator for any home you're considering.
Questions? Talk to a local agent.
Or call (352) 426-7270