Wondering is Ocala, Florida a good place to retire? Many active adults think so—and for good reason. Much like those looking to reinvent themselves in retirement, Ocala has a story of resilience. After a devastating fire swept through the city on Thanksgiving Day in 1883, residents rebuilt using brick, steel, and stone, earning Ocala the nickname “Brick City.”
Today, with a population of about 71,500, Ocala continues to draw retirees from across the country thanks to its rich history, vibrant culture, beautiful outdoor spaces, golf courses, and deep equestrian roots. It’s an inviting destination for new adventures and a laid-back lifestyle filled with affordable luxury.
Enjoy Sunny Weather With Fewer Storm Concerns
In Ocala, the sun shines about 233 days a year, especially in the cooler and drier winters when temperatures typically range from 40 to 60 degrees. You’ll experience about 50 inches of rain each year, mostly as cloudbursts on otherwise hot and humid summer days.
What about Florida’s vulnerability to severe weather? Ocala is one of the most hurricane-resilient cities in the state. At 104 feet, Ocala is four feet above Florida’s average elevation. As a result, it’s more resistant to storm surges and flooding. The city and surrounding Marion County employ extensive groundwater management programs and urban planning to mitigate flooding as well.
Ocala’s Cost of Living and Housing Market
According to the Economic Research Institute, Ocala’s cost of living is 11% lower than the national average and 19% lower than Florida’s average. The median listing price in Marion County in August 2025 was in the high $200s.
In the Ocala area, homes in 55+ communities usually stay on the market for about 201 days. The average price is in the low $300ks, according to data from 55places.com, but this can vary significantly depending on the community, location, and amenities. For example, homes in El Dorado average in the mid $600ks, while those in Arbor Lakes are in the low $300ks.
Statewide, residents pay no income tax, and thanks to the Homestead Exemption, they receive significant property tax breaks when they reside in their own Florida homes year-round. If you’ve spent any time researching retirement in Florida, you know that property insurance premiums can be excessive due to the risk of hurricane damage. However, homeowners in Ocala can get up to a 35% discount on flood insurance. This is due to a FEMA program that rewards communities like Ocala for their exceptional efforts in floodwater control infrastructure.
Health Care Options in Ocala
Despite numerous hospitals operated by various health care provider groups, Ocala’s growth has negatively impacted wait times for medical appointments. Patients are advised to advocate for their own care when face-to-face time with medical professionals is limited. This is a trend throughout Florida, though, and not limited to Ocala.
On the plus side, two of Ocala’s hospitals have been awarded spots on “Healthgrades America’s 250 Best Hospitals” this year (HCA Florida Ocala Hospital and HCA Florida West Marion Hospital).
Things to Do in Ocala for Retirees
Ocala is not a major Florida city. But you don’t have to travel north to Gainesville (45 minutes) or south to Orlando (1 hour, 20 minutes) for fashion, excellent food, and a good time. Ocala and its metropolitan area have everything you need.
Shopping & Dining
Local favorite Paddock Mall has an assortment of your favorite chain storefronts. However, if you want something unique, you’ll find some independent shops on Ocala Main Street. Foodies seeking food truck fare, fresh produce, and baked goods can visit the Ocala Downtown Market on Saturdays from 9:00 a.m. to 2:00 p.m. Also, if they want to treat themselves, they can grab a table at one of the city’s roughly 400 restaurants.
Golf
There are 22 public and 6 private courses within 15 miles of Ocala. If you choose to purchase a membership at a private course, there’s a chance you can book tee times at other clubs in the region. Ocala is also home to PGA-qualifying tournaments and other spectator-friendly golf events. The local courses are known for their natural beauty, and many were created by the country’s top designers.
Arts & Culture
The Circle Square Cultural Center always has a full calendar of concerts, plays, and other live performances. Also, the Appleton Museum of Art, affiliated with the College of Central Florida, hosts exhibits as well as workshops, classes, and camps. Home to Marion Cultural Alliance and revolving performances and installations, Brick City Center for the Arts occupies a funky, colorful building in the downtown district.
Outdoor Recreation
Silver Springs State Park is a favorite for locals and visitors alike. Crystal clear water and protected open space give visitors the opportunity to view wildlife—like Rhesus macaque monkeys, birds, and manatees—from the vantage point of kayaks, glass-bottom boats, or easy-to-navigate nature trails.
Equestrian Sports
Ocala is the self-proclaimed “Horse Capital of the World,” and the title is well-deserved. If you’re not into riding, you can tour farms or watch world-class competitive events at the famous World Equestrian Center. There’s even a country club that’s built around equestrian and golf facilities. You’ll find plenty of bridle trails around Ocala, including at Silver Springs State Park.
Top 55+ Communities in Ocala to Explore
We invite you to explore Ocala and experience some of the area’s most sought-after 55+ communities. Each neighborhood offers its own unique charm, amenities, and lifestyle options. Here are three standout communities that many active adults are proud to call home:
JB Ranch
High $200ks – Mid $400ks
Since breaking ground in 2017, JB Ranch has quickly become one of Ocala’s most desirable 55+ neighborhoods. This gated DR Horton community features 346 single-family homes. Just 10 miles from Downtown Ocala, residents enjoy both the tranquility of a private setting and the convenience of nearby shopping, dining, and entertainment. With affordable prices starting in the high $200ks, JB Ranch blends modern living with small-community charm.
Quail Meadow
Low $200ks – High $300ks
For those who value peace, space, and a strong sense of neighborly connection, Quail Meadow is a perfect choice. Located only 13 minutes from Downtown Ocala and close to major shopping centers, this age-restricted community of 460 homes is known for its welcoming atmosphere. Large lots give homeowners extra breathing room, while clubhouse amenities provide a central hub for social activities, fitness, and gatherings. It’s an inviting blend of privacy and community spirit, all at an approachable price point.
Stone Creek
Mid $200ks – Mid $800ks
If resort-style living is what you’re after, Stone Creek delivers in every way. Developed by Del Webb, this gated 55+ community has more than 3,800 homes, designed with the quality and style the builder is known for. Residents have access to an impressive lineup of amenities, from a championship golf course and state-of-the-art fitness center to pools, walking trails, and a bustling clubhouse filled with activities. Stone Creek offers options for a variety of budgets without compromising on luxury.
Find Your Retirement Home in Ocala with 55places
If Ocala has earned a place on your must-explore list, trust us to provide you with up-to-the-minute insights on local real estate markets. Our expert agents are carefully selected for their experience in pairing retirees with communities that suit their lifestyles and helping them find the home of their dreams. If you’re buying or selling, please contact us today!
Ocala, Florida FAQ
1. What is the cost of living in Ocala?
Ocala’s cost of living is about 11% lower than the national average and 19% lower than Florida’s average, making it one of the more affordable cities in the state.
2. How much do homes cost in Ocala?
The median home price is in the high $200s. In 55+ communities, homes typically range from the low $200s to the $800s, depending on the community and amenities.
3. What is the weather like in Ocala, Florida?
Ocala has warm, sunny weather with mild winters. Summers are hot and humid, but the city is less prone to hurricanes and storm surges compared to coastal areas.
4. Does Ocala get hurricanes?
Ocala is one of Florida’s more hurricane-resilient cities. Its inland location and higher elevation help protect against storm surges and flooding.
5. What are the property taxes in Ocala?
Property tax rates in Ocala are around 1.09%, close to the national average. Retirees who qualify for the Florida Homestead Exemption can lower their property tax burden even more.
6. What is Ocala best known for?
Ocala is called the “Horse Capital of the World” and is famous for its equestrian industry, rolling countryside, and the World Equestrian Center.
7. Are there 55+ communities in Ocala?
Yes. Ocala has several popular active adult communities, including JB Ranch, Quail Meadow, and Stone Creek, each offering unique amenities and price points.
8. How far is Ocala from the beach?
Ocala is about 1.5 hours from either the Gulf Coast or Atlantic beaches, offering easy access to Florida’s coastline without the higher costs of living on the water.
9. Is Ocala an affordable alternative to The Villages?
Yes. While The Villages is larger and more famous, many retirees find Ocala to be a more affordable option with similar access to golf, culture, and outdoor recreation.
10. How big is Ocala, Florida?
Ocala has a population of about 71,500 people, offering a small-city feel with easy access to nearby larger cities like Orlando and Gainesville.
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