ZIP Code 34470 — Ocala, FL Home Prices (2026)
The typical home in ZIP 34470 (Ocala, Florida) is worth about $232,000 at roughly $154 per square foot — 16% more affordable than the Ocala median and 21% more affordable than the typical U.S. home.
How 34470 compares
ZIP 34470 is one of the more affordable ZIP codes in Ocala: its typical home value of $232,000 ranks #10 of the 11 Ocala ZIP codes we track (the citywide range runs from $207,000 in 34475 to $322,000 in 34471). Per square foot it costs about $154, against $183 for Ocala as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 34470 | $232,000 | $154 |
| Ocala, FL | $277,000 | $183 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 34470
Using this ZIP’s rate of about $154 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $154,000 |
| 1,500 sq ft | $231,000 |
| 2,000 sq ft | $308,000 |
| 2,500 sq ft | $385,000 |
| 3,000 sq ft | $462,000 |
Salary needed to buy a home in ZIP 34470
To buy the typical $232,000 home in ZIP 34470 with 20% down, you need a household income of roughly $63,000 a year (about $1,470 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $75,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,600 | $1,830/mo | $78,000/yr |
| 10% (+PMI) | $23,200 | $1,750/mo | $75,000/yr |
| 20% | $46,400 | $1,470/mo | $63,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 34470
At about $154 per square foot, here is roughly how much home different budgets get you in ZIP 34470:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 970 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1300 sq ft | around the typical home here |
| $250k | 1620 sq ft | around the typical home here |
| $300k | 1950 sq ft | around the typical home here |
| $400k | 2600 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 34470 home.
Estimate a specific home in 34470
The estimator below is pre-set to ZIP 34470 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Ocala ZIP codes by home value
Where 34470 sits among Ocala’s 11 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 34471 | $322,000 | $191 |
| 2 | 34480 | $315,000 | $192 |
| 3 | 34474 | $312,000 | $167 |
| 4 | 34476 | $298,000 | $164 |
| 5 | 34482 | $296,000 | $192 |
| 6 | 34481 | $277,000 | $184 |
| 7 | 34473 | $269,000 | $174 |
| 8 | 34479 | $237,000 | $188 |
| 9 | 34472 | $236,000 | $171 |
| 10 | 34470 (this page) | $232,000 | $154 |
| 11 | 34475 | $207,000 | $183 |
ZIP 34470 home prices: frequently asked
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See the full Ocala home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.