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Investor market data · Florida

Ocala, FL Rental Market for Investors

An estimated 66% of Ocala's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

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$299,900Median list price2,549 active listings
$33,358Median STR revenue / yrprojected, gross

Homes in Ocala that pencil right now

A sample of active Ocala listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

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As of August 2026, we analyzed 2,549 active for-sale homes in Ocala, Florida. The typical listing is priced at $299,900 and is projected to generate about $33,358 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 66.0% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 52.5% median across the 200 major metros we track, ranking Ocala #42 of 200 for cash-flow potential.

On market momentum: homes in Ocala sit a median of 80 days on the market, and 22% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Ocala, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.

What actually works in Ocala

Ocala is a broad cash-flow market right now: 877 of the 2,185 Ocala homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $330,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price2 bed3 bed4 bed5 bed
Under $150k56%1.29———
$150k–$250k57%1.3089%1.48100%1.85—
$250k–$350k4%0.8341%1.2049%1.24100%1.54
$350k–$500k0%0.592%0.8013%1.0680%1.35
$500k+0%0.440%0.510%0.5810%0.71

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Ocala in full

Active for-sale homes analyzed2,549
Median list price$299,900
Median projected STR revenue (annual, gross)$33,358
Median average daily rate (ADR)$159
Median occupancy59%
Median beds3
Median size1,768 sqft
Estimated cash-flow-positive share66.0%
Median days on market80 days
New listings (last 30 days)21.8% of active

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Run your numbers · Ocala

Would a Ocala rental qualify for a DSCR loan?

Pre-filled with Ocala's median price and projected short-term-rental income — change any field to match a specific property.

Rent source
Advanced
Property tax
%
Scout DSCR Live
1.24
Good · qualifying range
Qualifying rent$2,224
Monthly ITIA$1,799
Loan amount$239,920
30-year DSCR1.15
30-year PITIA$1,931
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Estimates for educational purposes. Final terms subject to credit, property & program approval.

Chad BakerJulian HebronKarina SaldarriagaMark LindenBrittani Cooper5 senior bankers · 47 states
Ocala data, human context

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