Compare Current Ocala, Florida Mortgage Rates

Compare Ocala, FL mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Ocala.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Ocala. Plus, shopping lenders is free and there is no obligation.

Ocala, FL Mortgage Rates as of June 25, 2022
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Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Ocala, FL Mortgage Rates

June 25, 2022

Current mortgage rates in Ocala, FL are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Ocala, FL Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Ocala, Florida?

Below we provide helpful information on the real estate market, home prices and housing affordability in Ocala. Understand how much you need to earn to afford a home in Ocala, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Ocala fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Ocala is right for you.

The median home value for Ocala, FL (Marion County) is $207,980

Based on current mortgage rates and a 10% down payment, you need to make $34,077 per year to buy the median priced home in Ocala

With this income, you could qualify for a $187,182 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Ocala is $789

The median household income for Ocala, FL (Marion County) is $53,585

Based on this income, you can afford a home valued at approximately $327,047

The home price you can afford to buy based on household income in Ocala is 157% of the median home value which means housing prices are average. Ocala (Marion County) ranks 29 out of 67 counties in Florida and 2,497 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Ocala, FL is average


Loan Limits for Ocala, Florida

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Ocala (Marion County) below.

Conforming loan limits for Ocala, FL

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Ocala, FL

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Ocala, FL

1 unit: $647,200

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