HousingHandbookReference data

U.S. ZIP Code · FL32686

Marion County · Ocala, FL

Typical home value

$395,206[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+1.2%
5-year / yr
+9.0%
10-year / yr
+9.5%

Relative price

vs U.S.
+39.1%
vs metro
+35.5%
vs state
+14.0%
ZIP 32686 location in FL
Location of ZIP 32686 in FL

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 32686 is worth $395,206 — 35.5% above the Ocala, FL median. Over the past year, values have risen 1.2%. The effective property tax rate is 0.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.8%[3]
Typical annual tax
$3,171[3]

#Climate risk

FEMA National Risk Index ratings for Marion County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively Moderate
Coastal flood
Very Low
Wildfire
Relatively Moderate
Drought
Relatively Low
Heat wave
Relatively Moderate
Hurricane
Relatively High
Tornado
Relatively High
Earthquake
Relatively Low
Winter weather
Very Low

#Who lives here

Population
4,882[3]
Median household income
$49,821[3]

#Migration

Household moves in and out of Marion County over a year, from IRS tax-return data.

Net migration
+5,950[5]
Moved in
15,945
Moved out
9,995

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
1
Elementary
1
Middle
0
High
0
  • REDDICK-COLLIER ELEMENTARY SCHOOL

    Elementary · Grades PK–5 · MARION

    355 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,998
Loan principal$316,165
Down payment$79,041
Total interest paid$403,251

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$2,591
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
100th percentile[1]
Rental yield
[2]
Property tax
87th percentile[3]

Frequently asked

How much is a home worth in ZIP code 32686?
The typical home in 32686 is worth $395,206, based on the Zillow Home Value Index.
Are home values rising in 32686?
Home values in 32686 are up 1.2% over the past year, and up 9.0% a year over five years.
What is the property tax rate in 32686?
The effective property tax rate in 32686 is 0.8% — roughly $3,171 a year on a typical home.
Who lives in 32686?
ZIP code 32686 has a population of 4,882 and a median household income of $49,821.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Lady Lake, FL

    Typical home
    $411,517
    Gross yield
  • FL

    Typical home
    $358,284
    Gross yield
  • Ocala, FL

    Typical home
    $319,476
    Gross yield
    5.8%
  • Ocala, FL

    Typical home
    $314,301
    Gross yield
    5.6%
  • Ocala, FL

    Typical home
    $312,506
    Gross yield
    6.1%
  • FL

    Typical home
    $306,351
    Gross yield

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