Exterior view of the clubhouse at Oak Run in Ocala, Florida

Active adults seeking an affordable Florida retirement should consider these communities in Ocala.

Active adults looking for an affordable Florida retirement community might want to consider moving inland from the coasts. Homes for sale in Ocala, for example, are spacious and affordable with all the amenities that buyers want when choosing a 55+ neighborhood. Known for its horse farms and forests, Ocala is tranquil, scenic, and natural. Anyone who enjoys golf, nature, and equestrian activities will be very happy in this part of Central Florida.

Check out these Ocala communities that have homes for sale below $200,000.

Ocala Palms

Mid $100s - High $200s

Single-family homes at Ocala Palms, a 55+ community surrounded by hillsides and horses, come in a number of unique models and floor plans. Buyers who want to downsize into a smaller space can consider the Villa Series with 1,050 to 1,364 square feet, two bedrooms, two bathrooms, and an attached two-car garage.

There are more than a dozen additional models for less than $200,000, ranging from 1,175 to 2,654 square feet with two or three bedrooms and two bathrooms. Many models have dens and all homes have an attached two-car garage.

Golfers will enjoy the 18-hole Ocala Palms Country Club, which includes a splendid golf course, a pro shop, a putting green, and a driving range. Other amenities include a fitness center and an indoor pool as well as a sewing studio, a card room, and Bianca’s Cafe. There are outdoor pools, tennis and shuffleboard courts, and a croquet lawn. RV parking is available, and residents maintain an active social calendar with events such as pancake breakfasts, birthday parties, and communal trips. 

Click here to request more information on Ocala Palms.

On Top of the World

Mid $100s - Mid $500s

Buyers who enjoy living in a large community with endless events, amenities, and recreational opportunities may want to consider On Top of the World, a 55+ community in Ocala that offers new and resale homes in a wide array of price ranges.

For less than $200,000, there are a lot of choices. The community is known locally as OTOTW, and it has 10,000 attached villas and single-family homes in a dramatic range of sizes. Located just off Interstate 75, OTOTW has several neighborhoods within its boundaries.

Amenities are spread throughout the Recreation Center, Hobby Building, Arbor & Conference Center, Candler Hills Community Center, Indigo East Community Center, and Circle Square Commons. Residents can enjoy fitness centers, ballrooms, dozens of multi-purpose rooms, saunas, pools, and libraries. There are also restaurants and educational centers. Crafters get together in the woodworking shop or the arts and crafts studio. There’s pickleball, shuffleboard, and horseshoes. Mini-golf is popular and so is basketball. Neighbors can also enjoy the communal gardening plots and walk the extensive trails.

Click here to request more information on On Top of the World.

Oak Run

Below $100k - Mid $300s

Homebuyers can find a great selection of homes for sale under $200,000 at Oak Run, a 55+ community that includes a golf course and a sports club with a heated indoor pool and sundeck. In addition to the 18 holes of golf, residents can stay active at the outdoor pools as well as the tennis, pickleball, and shuffleboard courts. There are also courts for bocce ball and volleyball. There are more than 100 special-interest clubs and social activities, including Super Bowl parties, photography clubs, and bowling leagues.

Resale homes are available as duplexes or single-family homes. The duplexes are two-bedroom, two-bathroom units with 1,049 to 1,489 square feet and an attached garage for one or two cars. Some homes come with a den, and these low-maintenance properties include landscaping and exterior maintenance.

Single-family homes can be found in 19 floor plans with 1,112 to 2,275 square feet, two or three bedrooms, two bathrooms, and attached one- or two-car garages. The open living spaces are perfect for entertaining, and all homes are on one level.

Click here to request more information on Oak Run.


Mid $100s - High $200s

Singles clubs, lunch outings, water aerobics, and cooking classes are just some of the fun things that residents at SummerGlen do together. This 55+ community just outside of Ocala is close to the natural springs and wild hiking trails found at Ocala National Forest. SummerGlen also has an 18-hole golf course, a basketball court, and a softball field. There are also courts for pickleball, shuffleboard, bocce ball, and tennis. The clubhouse includes a library, a lounge, and a card room.

Resale single-family homes are available for under $200,000 in a number of floor plans and models. They offer 1,377 to 2,575 square feet, two to four bedrooms, two to four bathrooms, and attached two-car garages. Some homes have extra garage space for a golf cart or storage.

Click here to request more information on SummerGlen.

JB Ranch

High $100s - Mid $200s

Buyers looking for new construction Ocala homes for sale can find great options for $200,000 or under at JB Ranch, a new 55+ community with only 346 single-family homes. Buyers can choose a model with 1,641 to 2,034 square feet, two or three bedrooms, and two bathrooms. Large, open great rooms and huge master suites with two walk-in closets are standard, and there’s also outdoor space and laundry rooms. Some homes will come with flex space that can be used as a den or an office.

Amenities are coming soon and will include a clubhouse with a fitness center, a multi-purpose room, and a catering kitchen. An outdoor pool and patio will also be available, and residents can enjoy walking, biking, or jogging on the trails and paths that wind through residential areas and parks. Construction began in 2017, and there are already some move-in homes ready at affordable prices.

Click here to request more information on JB Ranch.

Pine Run Estates

Below $100k - Mid $100s

Located next door to On Top of the World, Pine Run Estates is a smaller community that comes with a good selection of amenities, four home models that a great for downsizing, and an ideal location.

There are two clubhouses in the community. The main clubhouse a fitness center, several hobby rooms, and an outdoor pool and space. Also outdoors are two tennis courts, four shuffleboard courts, and walking trails. The secondary clubhouse comes with hobby rooms and outdoor pool.

Floor plans range from 864 to 1,456 square feet and have two or three bedrooms, one or two bathrooms, and carports or two-car garages. Pine Run Estates also has an extensive list of clubs available. Its low price points yet active lifestyle make it a good alternative to OTOW for buyers looking for a more low-key retirement.

Click here to request more information on Pine Run Estates.