A Town In Florida Known For Its Natural Springs Also Has A Below Average Cost Of Living

Florida is a dream home for many. From young professionals craving coastal life to millennials ready to lay down some roots, and even retirees hoping to benefit from favorable retirement tax laws. No matter what, there is something for everyone in the state. But one part often overlooked by folks, and unfairly so considering the cost of living, is the central part of the state. Ocala, located between Gainesville and Orlando, is quite affordable. According to BestPlaces, a family would need around $53,280 and a single person around $37,200 to live well within their means in Ocala — both below the national average.

Housing, whether renting or buying property, is the biggest contributor to the savings in Ocala. A two-bedroom unit can be found here for an average of $1,150 a month, which is around 35.7% less than the state average for the same size unit. Florida is one the most expensive states for buying a home, but in Ocala it is 23.2% less expensive than the average home in Florida, at just $278,500 for the average home. Overall, families and individuals do not need inflated earnings to live comfortably in Ocala.

Living the American dream is out of reach for many individuals, with new estimates suggesting that it costs $4.4 million throughout a lifetime, but living comfortably doesn't have to be out of reach. Compared to other cities across the states and the country as a whole, the cost of living here is surprisingly manageable in various areas from housing to enjoying a night out. Numbeo puts Ocala at about 15.6% less expensive than the rest of the state and 13% lower than the national average cost of living.

While Disney World and Universal usually dominate the conversation, there is far more to explore beyond theme parks. Central Florida cities like Ocala are hidden gems and offer a surprising number of things to do. These communities offer a lively local charm, ample outdoor recreation, and a mix of good food, music, and arts events. But just as important in today's financial climate, they offer a significantly lower cost of living than many parts of Florida and the broader U.S., making them appealing for families and anyone looking for affordable living without sacrificing quality of life.

Before packing your bags for Central Florida, it's important to know what life actually looks like here beyond the lower cost of living. For one, Central Florida has more of a laid-back atmosphere compared to its coastal neighbors. Here, the pace is slower, communities are tight-knit, and there is a strong emphasis on nature, given the region is filled with state parks, natural springs, and hiking trails.

Ocala in particular embodies this lifestyle. The city is known as the horse capital of the world thanks to having a high concentration of horses in ponies. The historic downtown area blends small-town vibes with modern amenities and activities like farmers markets, fine dining, and live performances. The surrounding area is ideal for those who love the outdoors. The city provides easy access to Silver Springs State Park, a 200-acre escape filled with natural spring systems and one-of-a-kind experiences like the glass bottom boat tours that showcase the true depth of the area's natural springs. While Ocala may not be as bustling as Orlando or Miami, the city's affordability and lifestyle make it a great choice for individuals and families seeking a quieter way of life.