Ocala, FL · standard
ZIP Code 34481
Marion County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 17,536
- 102/sq mi Moderate-density area
- $57,324
- Median income Below-median income area
- $256,600
- Median home value Near-median home value
- 31.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Ocala pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.
- 25th pct
- household income, US ZIPs
- Top 41%
- home value, US ZIPs
- 102
- people per sq mi
- 90%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34481 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 34481 (Ocala, FL) rose +4.6% from 2023 to 2024. The all-transactions index moved from 309.1 in 2023 to 323.4 in 2024 (2000 = 100).
ZIP code 34481 is a mid-sized community (a standard USPS delivery area) in Ocala, Marion County, Florida, home to 17,536 residents across 171.6 square miles, a density of 102 people per square mile, in the New York time zone.
ZIP 34481 reports a modest median household income of $57,324 (26% below the average Florida ZIP), while per-capita income is $41,269. The poverty rate is 12.1%, with unemployment at 3.2%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $256,600 (32% below the average Florida ZIP), and median rent is $1,236; owner occupancy is 90.2%.
A solid share of residents have a four-year degree: 31.0% of adults hold a bachelor's degree or higher, the median age is 68.5, and the average commute is 29 minutes. The page also surfaces 7 ZIP codes within roughly 10 miles and 6 more in Marion County, so 34481 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 34481
Top 5 sectors by establishment count in Ocala, FL
Which industries have the most business establishments in ZIP 34481.
- Health care and social assistance
Health care and social assistance
54 establishments
- Retail trade
Retail trade
39 establishments
- Accommodation and food services
Accommodation and food services
34 establishments
- Construction
Construction
33 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
31 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 34481, Ocala, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
17,536
Population
171.6
Area (sq mi)
102
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 34481?
68.5
Median Age
47.3%
Male
52.7%
Female
8.9%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$57,324
Median Household Income
-26% vs state ZIP avg
$41,269
Per Capita Income
12.1%
Poverty Rate
3.2%
Unemployment Rate
29.0 min
Mean Commute Time
How ZIP 34481 ranks among Florida ZIPs
Ocala, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$57,324 21st percentile higher than 21% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
15,087housing units
15,087
Total Housing Units
14,033
Occupied Units
1,054
Vacant Units
1.89
Avg Household Size
Occupancy Type
$256,600
Median Home Value
-32% vs state ZIP avg
$1,236
Median Rent
2000
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+4.6%
YoY Change (2024)
323
HPI Index (2000 = 100)
+223%
Total Change Since 2000
Home values in ZIP 34481 have increased 4.6% over the past year (2024). Since 2000, this ZIP has seen +223% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.6% | 186 |
| 2021 | +18.6% | 221 |
| 2022 | +24.6% | 275 |
| 2023 | +12.4% | 309 |
| 2024 | +4.6% | 323 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 313 business establishments in ZIP 34481, employing approximately 3,720 people with a combined annual payroll of $140,924,000.
313
Businesses
3,720
Employees
$140.9M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 54 | 17.3% |
| Retail trade | 39 | 12.5% |
| Accommodation and food services | 34 | 10.9% |
| Construction | 33 | 10.5% |
| Professional, scientific, and technical services | 31 | 9.9% |
| Other services (except public administration) | 27 | 8.6% |
| Real estate and rental and leasing | 24 | 7.7% |
| Finance and insurance | 23 | 7.3% |
| Administrative and support and waste management and remediation services | 13 | 4.2% |
| Agriculture, forestry, fishing and hunting | 7 | 2.2% |
| Wholesale trade | 7 | 2.2% |
| Manufacturing | 5 | 1.6% |
| Information | 5 | 1.6% |
| Transportation and warehousing | 4 | 1.3% |
| Arts, entertainment, and recreation | 4 | 1.3% |
| Educational services | 3 | 1.0% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 34481 vs 34432 →
ZIP 34481 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34482
Ocala (34482)
22,500 residents
- 34476
Ocala (34476)
20,862 residents
- 34481
Ocala (34481)
17,536 residents
- 34473
Ocala (34473)
17,029 residents
- 34474
Ocala (34474)
16,062 residents
- 34432
Dunnellon (34432)
12,273 residents
- 34475
Ocala (34475)
12,177 residents
- 34434 8,191
Dunnellon (34434)
8,191 residents
What this shows Among its immediate neighbors, ZIP 34481 ranks #3 by population - useful context the national average alone can't give.
ZIP 34481 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 34473
Ocala (34473)
$72,366 median income
- 34434
Dunnellon (34434)
$68,939 median income
- 34482
Ocala (34482)
$65,901 median income
- 34476
Ocala (34476)
$65,860 median income
- 34474
Ocala (34474)
$65,291 median income
- 34481
Ocala (34481)
$57,324 median income
- 34432
Dunnellon (34432)
$50,446 median income
- 34475
Ocala (34475)
$30,174 median income
What this shows By household income, ZIP 34481 ranks #6 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 34481, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (17,536 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Marion County
Related Areas
Frequently Asked Questions
What county is ZIP code 34481 in?
ZIP code 34481 (Ocala) is located in Marion County, Florida. Marion County contains multiple ZIP codes, see the full list at /counties/marion-fl.
What is the population of ZIP code 34481?
ZIP code 34481 in Ocala, FL has a population of 17,536 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34481?
The median household income in ZIP 34481 is $57,324, which is 25% below the national average of $76,288.
What is the average home value in ZIP 34481?
The median home value in ZIP 34481 is $256,600, which is 8% below the national average of $278,155.
What is the demographic makeup of ZIP 34481?
The largest racial group in ZIP 34481 is White at 81.2%. Hispanic or Latino residents make up 11.3% of the population.
How many businesses are in ZIP code 34481?
ZIP code 34481 has 313 business establishments employing approximately 3,720 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34481?
The top industries by establishment count in ZIP 34481 are: Health care and social assistance (54), Retail trade (39), Accommodation and food services (34). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 34481?
According to the FHFA House Price Index, home values in ZIP 34481 increased by 4.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 223%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 34481?
In ZIP code 34481, 59.3% of residents aged 25+ have a high school diploma or higher, and 31.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 34481?
The mean commute time for workers in ZIP code 34481 is 29.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 34481?
In ZIP code 34481, approximately 90.2% of occupied housing units are owner-occupied and 9.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34481?
The poverty rate in ZIP code 34481 is 12.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 34481's numbers, next.
- See how ZIP 34481 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Ocala, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.