Moving from Tampa to Ocala
Your paycheck goes 6.0% further in Ocala than in Tampa. Compare taxes, rent, home prices and the cost of the move.
Equal salary in Ocala: $74,800
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $74,800 in Ocala, FL to match $80,000 in Tampa, FL ($5,200 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Both are in Florida, which has no state income tax on wages; neither city levies a resident income tax.
Tampa vs Ocala: key facts
- Median rent
- $1,776 → $1,523/mo
- Median home value
- $387,400 → $275,600
- Median household income
- $78,275 → $64,410
- Price level (U.S. = 100)
- 100.9 → 95.2
- Natural hazard risk (FEMA)
- Among the highest (97.5 → 94.7 of 100)
Tampa vs Ocala cost of living
The vertical line marks the U.S. average (100).
| Measure | Tampa, FL | Ocala, FL |
|---|---|---|
| Overall price level (U.S. = 100) | 100.9 | 95.2 |
| Median rent | $1,776 | $1,523 |
| Income to rent affordably (30%) | $71,040 | $60,920 |
| Median home value | $387,400 | $275,600 |
| Monthly cost to own (20% down) | $2,499 | $1,835 |
| Income needed to buy | $107,093 | $78,634 |
| Median property tax | $2,876 | $2,012 |
| State income tax on $80,000 | $0 | $0 |
| Metro population | 3,424,560 | 428,905 |
Metro-area figures (Census ACS 2024, BEA 2024). Taxes use each metro's principal state.
Your yearly budget: Tampa vs Ocala
On an $80,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $50,197 a year in Tampa and $47,161 in Ocala if you rent: $3,036 less after the move. If you buy the median home, they come to $58,871 and $50,903 ($7,968 less).
Your yearly budget, before vs after
| Yearly cost | TampaBefore | OcalaAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $80,000, single filer | $14,890 | $14,890 | $0 |
| Electricity state average bill | $1,873 | $1,873 | $0 |
| Car insurance one car, state average | $1,865 | $1,865 | $0 |
| Gas 12,000 miles at 25 mpg | $2,061 | $2,061 | $0 |
| Health insurance one adult, age 40, own plan before subsidies | $8,196 | $8,196 | $0 |
| If you rent | |||
| Rent median, 12 months | $21,312 | $18,276 | -$3,036 |
| Total if you rent | $50,197 | $47,161 | -$3,036 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $24,618 | $17,514 | -$7,104 |
| Property tax median home | $2,876 | $2,012 | -$864 |
| Homeowners insurance state median, with a mortgage | $2,492 | $2,492 | $0 |
| Total if you buy | $58,871 | $50,903 | -$7,968 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures for the principal state: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $13,011 a year in Tampa and $13,011 in Ocala (Child Care Aware of America, 2024 state averages).
Who moves from Tampa to Ocala
About 1,047 households (1,824 people) moved from the Tampa metro area to the Ocala metro area in 2022–2023, making Ocala the #8 destination for people leaving Tampa among the 149 metro areas we cover. 621 households moved the other way. Their average adjusted gross income was $59,293.
Cost to move from Tampa to Ocala
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $310–$600 |
| Moving container | $1,090–$2,030 |
| Full-service movers | $1,830–$4,860 |
At about 100 miles, this move is shorter than the long-distance routes these ranges are modeled on. A move this short is often priced by the hour, so quotes can come in lower.
Natural hazard risk: Tampa vs Ocala
FEMA's National Risk Index rates the Tampa area among the highest (score 97.5) and the Ocala area among the highest (score 94.7), on a 0–100 national percentile scale. Expected yearly losses from natural hazards average $333 vs $342 per resident.
The vertical line marks the middle of U.S. counties (50).
The vertical line marks the middle of U.S. counties (50).
Frequently asked questions
Is Ocala cheaper than Tampa?
Overall prices in the Ocala area are 5.6% lower than in Tampa (BEA Regional Price Parities 2024). Median rent is $1,523 vs $1,776 a month, and the median home is $275,600 vs $387,400.
What salary do I need in Ocala to match $100,000 in Tampa?
About $93,600, after 2026 federal taxes and local prices. Both are in Florida, which has no state income tax on wages.
How much does it cost to move from Tampa to Ocala?
For a 2–3 bedroom home over about 100 miles: roughly $310–$600 with a rental truck, $1,090–$2,030 with a container, or $1,830–$4,860 with full-service movers. A move this short is often priced by the hour, so quotes can come in lower.
How many people move from Tampa to Ocala?
IRS county migration data for 2022–2023 show about 1,047 households (1,824 people) moved from the Tampa metro area to the Ocala metro area, and 621 moved the other way.
Related
Where people from Tampa move
- Tampa to Lakeland 4,286 households
- Tampa to Orlando 3,821 households
- Tampa to Sarasota 3,358 households
- Tampa to Miami 3,113 households
- Tampa to New York 2,094 households
- Tampa to Atlanta 1,445 households
- Tampa to Jacksonville 1,392 households
- Washington, D.C. 971 households