On Top of the World, Florida

Area Profile

16,007 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for On Top of the World, in Marion County.

48out of 100
Area Score
Bottom 14% of 4,196 profiles measured

How we calculate this

How this area ranks

Data updated · 14 sources
Opportunity3,210th of 4,199 cities measured44
Schools3,666th of 4,162 cities measured19
GrowthTop 16% of 4,224 cities measured69
Housing affordability3,158th of 4,218 cities measured53
ClimateTop 10% of 4,225 cities measured84
Physical resilience3,468th of 4,226 cities measured23
Access3,914th of 4,226 cities measured63
Economic stability3,095th of 4,226 cities measured44
The quick read

Employment conditions sit below most comparable cities measured: unemployment is 5.8% and the Opportunity signal places On Top of the World in the bottom 24%. The unemployment rate is published for Marion County, FL, which contains On Top of the World, rather than for On Top of the World alone.

In the public schools here, 49% of students met the state standard in mathematics, with 18.6 students for every teacher. Math proficiency and 1 other measure here are published for Marion County, FL, which contains On Top of the World, rather than for On Top of the World alone.

5,645 housing units were authorized over the past twelve months, within 11% of the prior year — steady rather than turning. The permit count and 1 other measure here are published for Marion County, FL, which contains On Top of the World, rather than for On Top of the World alone.

These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.

At a glance

Population
16,007
2024 ACS 5-Year
Median household income
$60,670
Bottom 40% nationally
Density
914/sq mi
17.5 sq mi of land
Median age
71.4
2024 ACS 5-Year
County
Florida
Metro area
Nearest major airport
SFB
68 mi · Orlando Sanford Intl
Median home value
$303,900
2024 ACS 5-Year

Jobs & opportunity

Unemployment across Marion County, FL, which contains On Top of the World, is 5.8% — higher than in all but 9% of the 4,226 measured US cities.

Employment across Marion County, FL, which contains On Top of the World, fell 0.8% over the past year, to 152,495 employed residents.

39% of adults hold a four-year degree, higher than 80% of measured US cities.

MetricValueCompared nationallySource period
Income of new arrivalsMarion County, FL’s figurefiling years 2022–2023$65,83637th percentileof 4,101filing years 2022–2023
Income of those who leftMarion County, FL’s figurefiling years 2022–2023$54,09513th percentileof 4,101filing years 2022–2023
Median household income ±$5,7592024 ACS 5-Year$60,670Bottom 40%of 29,2232024 ACS 5-Year
Per capita income ±$3,4352024 ACS 5-Year$46,738Top 21%of 31,4202024 ACS 5-Year
Poverty rate ±2%2024 ACS 5-Year6.9%Top 33%of 31,7732024 ACS 5-Year
Average commute ±4.7 min2024 ACS 5-Year24.6 minTop 39%of 31,5432024 ACS 5-Year
Bachelor's degree or higher ±4%2024 ACS 5-Year38.8%Top 20%of 31,9192024 ACS 5-Year
Drove alone to work ±16%2024 ACS 5-Year69.5%27th percentileof 31,4332024 ACS 5-Year
EmploymentMarion County, FL’s figureJuly 2026152,495Top 37%of 4,226July 2026
Employment change (3 years)Marion County, FL’s figureJuly 2026+1.3%Top 27%of 4,226July 2026
Employment change (year over year)Marion County, FL’s figureJuly 2026−0.8%Bottom 49%of 4,226July 2026
Labor forceMarion County, FL’s figureJuly 2026161,86563rd percentileof 4,226July 2026
Labor force participation ±10%2024 ACS 5-Year46.9%Bottom 5%of 31,5132024 ACS 5-Year
Mean annual wageOcala, FL Metro Area’s figure2025 OEWS$55,290Bottom 6%of 3,7292025 OEWS
Median annual wageOcala, FL Metro Area’s figure2025 OEWS$43,990Bottom 5%of 3,7292025 OEWS
Public transit to work ±1%2024 ACS 5-Year0.0%1st percentileof 31,4332024 ACS 5-Year
Unemployment change (year over year)Marion County, FL’s figureJuly 2026+0.7%Bottom 9%of 4,226July 2026
Unemployment rateMarion County, FL’s figureJuly 20265.8%Bottom 9%of 4,226July 2026
Worked from home ±8%2024 ACS 5-Year22.7%89th percentileof 31,4332024 ACS 5-Year

Median household income, successive ACS releases

202120222023202461k47k
Each point is a separate five-year estimate, most recently $60,670 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

Largest occupations — Ocala, FL

OccupationPeople employedMedian annual wage
Retail Salespersons4,430$31,090
Fast Food and Counter Workers3,340$27,880
Cashiers3,260$28,970
Registered Nurses3,040$79,230
Stockers and Order Fillers2,910$35,160
General and Operations Managers2,690$83,770

Searches the 40 largest occupations here that have a published wage.

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Marion County, FL, which contains this city.

49% of students met the state standard in mathematics and 47% in reading, across the schools here that reported results. Math proficiency and 1 other measure here are published for Marion County, FL, which contains On Top of the World, rather than for On Top of the World alone.

There are 18.6 students for every full-time teacher across 1 public school, more than in most measured places. The student-teacher ratio is published for Marion County, FL, which contains On Top of the World, rather than for On Top of the World alone.

Public schools
1
2024-25 school year
Students per teacher
18.6
across all schools here
Math proficiency
48.5%
Bottom 18% in Florida
Reading proficiency
47.4%
Bottom 20% in Florida

The proficiency and staffing figures above are for Marion County, FL: too few schools in On Top of the World reported a usable figure on their own to weight one honestly. The schools listed below are this place’s own.

The one public school on record, largest first.
SchoolDistrictStudentsPer teacherMathReading
West Port High SchoolMARION3,02225.250%57%

44.9% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with, not how the schools perform, so it is shown and not scored.

Public schools only, from the NCES Common Core of Data, placed by ZIP code — which schools are in this place, not which one a particular address is zoned for. A dash in a proficiency column is a gap in the federal file, not a bad result. Proficiency is measured against Florida’s own standard, so it is ranked within state. How to read school figures.

Prices for everything a household buys run about 4% below the national average — the Bureau of Economic Analysis index reads 95.8, against 100 for the nation. Nationally, housing drives most of the spread between places in this index; other goods vary far less.

The Federal Housing Finance Agency’s house price index for the Ocala, FL Metro Area is up 48% over five years, and up 2.2% over the last year. It follows repeat sales of the same homes, so it measures price change rather than which homes happened to sell.

Homeowners here who pay a tax bill pay a median of $2,593 a year in real estate taxes, about 0.85% of the median home value.

HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $1,373, some 13% above the $1,212 tenants already here pay.

At HUD’s Fair Market Rent of $1,373 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $54,900 a year, about 90% of the median household income here of $60,670.

The typical renter household here spends 30% of its income on rent, at the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $1,212 a month.

A median home at $303,900 costs 4.7 times the median income of its owner-occupied households, $64,048, above the historic benchmark of about 3 times income.

Cost of living
95.8

Prices here run about 4% below the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.

Published for the Ocala, FL Metro Area as a whole. Prices are regional — people shop, commute and rent across a metropolitan area rather than within a city boundary — so this describes the cost of living around this place better than a figure drawn to its own limits would.

Rent as a share of income
29.8%
Below the 30% cost-burdened threshold
Home price to income
4.7×
median home value ÷ owner household income
Market rent, two bedroom
$1,373
what a new lease costs · FY2026
Median gross rent
$1,212
what tenants now pay · 2024 ACS 5-Year
Median home value
$303,900
2024 ACS 5-Year

The figures above are measured against On Top of the World’s median household income of $60,670, which describes the place rather than you. Enter your own and the ratio is recomputed against it. It stays in this browser.

MetricValueCompared nationallySource period
Cost of living indexthe Ocala, FL Metro Area’s figure202395.8Top 31%of 3,7002023
Home price change (1 year)the Ocala, FL Metro Area’s figure2026 Q2+2.2%35th percentileof 4,1542026 Q2
Home price change (5 years)the Ocala, FL Metro Area’s figure2026 Q2+48.1%74th percentileof 4,1542026 Q2
Home price change (10 years)the Ocala, FL Metro Area’s figure2026 Q2+127.9%94th percentileof 4,1542026 Q2
Home price to income ±0.42024 ACS 5-Year4.7Bottom 10%of 26,8152024 ACS 5-Year
Homeownership rate ±8%2024 ACS 5-Year92.6%83rd percentileof 31,7172024 ACS 5-Year
Housing units ±5852024 ACS 5-Year9,71494th percentileof 32,1772024 ACS 5-Year
Market rent, one bedroomFY2026$1,172Top 35%of 4,072FY2026
Market rent, three bedroomFY2026$1,772Top 33%of 4,072FY2026
Market rent, two bedroomFY2026$1,373Top 34%of 4,072FY2026
Median gross rent ±$1912024 ACS 5-Year$1,212Bottom 31%of 23,1202024 ACS 5-Year
Median home value ±$16,6692024 ACS 5-Year$303,90072nd percentileof 29,1112024 ACS 5-Year
Median property taxes ±$1862024 ACS 5-Year$2,59367th percentileof 26,4402024 ACS 5-Year
Owner household income ±$4,8942024 ACS 5-Year$64,048Bottom 29%of 27,5482024 ACS 5-Year
Property tax rate ±0.08%2024 ACS 5-Year0.85%42nd percentileof 20,5432024 ACS 5-Year
Rent as a share of income ±8%2024 ACS 5-Year29.8%Bottom 42%of 22,9502024 ACS 5-Year
Seasonal and second homes ±972024 ACS 5-Year12291st percentileof 32,3302024 ACS 5-Year
Second homes2024 ACS 5-Year1.3%64th percentileof 31,8952024 ACS 5-Year
Vacancy rate2024 ACS 5-Year4.7%37th percentileof 31,7692024 ACS 5-Year
Vacant housing units ±2342024 ACS 5-Year57991st percentileof 32,3302024 ACS 5-Year

These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures and the cost-of-living index.

Development Momentum

69/ 100
Top 16% of 4,224 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: of 5,645 units permitted over the past twelve months, only 1% are in buildings of five or more homes. The multifamily share is published for Marion County, FL, which contains On Top of the World, rather than for On Top of the World alone.

Federal tax returns show Marion County, which contains On Top of the World, gained about 3.7% of its residents through moves within the US in the most recent year, counting those who arrived against those who left. Households that moved in reported an average income of $65,836, above the $54,095 of households that moved out.

At 14.1 permitted units per 1,000 residents, building activity is above the median for measured US cities. The permit rate is published for Marion County, FL, which contains On Top of the World, rather than for On Top of the World alone.

Units permitted
5,645
12 months ending July 2026
Per 1,000 residents
14.1
Top 6% nationally
Year over year
−11%
vs the prior twelve months
Multifamily share
0.9%
units in 5+ unit buildings

People moving in and out

Net migration
+3.7%
of residents, in a year
Arrivals from another state
46%
of people moving in
Income of arrivals
$65,836
average per tax return
Income of those who left
$54,095
average per tax return

Where newcomers came from

  1. Lake County, FL 1,723 people · 6.1% of arrivals
  2. Orange County, FL 1,188 people · 4.2% of arrivals
  3. Miami-Dade County, FL 1,075 people · 3.8% of arrivals
  4. Broward County, FL 1,059 people · 3.7% of arrivals
  5. Sumter County, FL 931 people · 3.3% of arrivals

Where people who left went

  1. Lake County, FL 1,202 people · 7.1% of departures
  2. Citrus County, FL 947 people · 5.6% of departures
  3. Sumter County, FL 869 people · 5.1% of departures
  4. Alachua County, FL 842 people · 4.9% of departures
  5. Orange County, FL 495 people · 2.9% of departures

Based on the address on federal tax returns, compared with the same filers a year earlier. It counts people who file, and sees a move only when the address on a return changes. Domestic moves only: people arriving from abroad are left out. This is the figure for Marion County, FL. IRS Statistics of Income, filing years 2022–2023.

The Census Bureau's Building Permits Survey lists only jurisdictions that issue their own permits, and On Top of the World, FL is not one. This is the figure for Marion County, FL, which contains this city.

Weather & climate

9 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 92°F and January a low of 46°F.

Normal annual precipitation is 51.6 inches.

Air quality measures a median index of 49, in the Good band, and one day a year passes 100, the threshold at which the air is unhealthy for sensitive groups.

30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station OCALA, 13.2 miles from this location.

Precipitation

JFMAMJJASOND7.4"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index2024 calendar year602024 calendar year
Annual precipitation1991-2020 Normals51.6"1991-2020 Normals
Average January low1991-2020 Normals46°F1991-2020 Normals
Average July high1991-2020 Normals92°F1991-2020 Normals
Comfortable months1991-2020 Normals91991-2020 Normals
Days above AQI 1002024 calendar year12024 calendar year
Median air quality index2024 calendar year492024 calendar year
Seasonal temperature swing1991-2020 Normals24°F1991-2020 Normals

Air quality

Median air quality index
49
Good on a typical day
Worst tenth of days
60
90th percentile index
Days above 100
1
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. Air quality is measured by EPA monitors and published by county only where a monitor sits; a county without one shows nothing rather than an estimate, and a county reading is still the county’s. How to read climate and air quality.

Physical risk

23 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, inland flooding and tornado, with hurricane alone responsible for 41% of it. Inland flooding and tornado are independently rated low or minimal nationally, so this describes how the loss is composed, not how large those hazards are.

LightningModerate
HurricaneElevated
WildfireElevated
Cold waveModerate
LandslideModerate

Low or minimal exposure: tornado, strong wind, inland flooding, heat wave, earthquake, drought, coastal flooding, hail, winter weather, tsunami, volcanic activity, ice storm, avalanche.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offenses — they say nothing about burglary, theft or assault.

Marion County records 5.9 homicide deaths per 100,000 residents a year, higher than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 19.5 per 100,000 — more than the homicide rate, since the figure counts suicides and accidents as well as homicides.

Drug overdose deaths run at 25.6 per 100,000 residents in Marion County.

Homicide
5.9
per 100,000 residents
Firearm deaths, all intents
19.5
per 100,000 residents
Drug overdose
25.6
per 100,000 residents
Suicide
21.0
per 100,000 residents

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides, so the firearm figure and the homicide figure above it count some of the same deaths twice over. They overlap and should not be added together.

Death rates are crude rates — deaths divided by population, not adjusted for age — except where a count was too small for the CDC to publish and it modeled the rate, which the card marks. They come from provisional death certificate records, published by the CDC by county and not below it. So they describe the county around On Top of the World (Marion County) rather than On Top of the World itself. They are shown and not scored. How to read death rates.

What this profile does not cover

Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.

Reported crime
Offenses reported to police are published by department rather than by town, so AreaProfile shows a rate only on city profiles, and only where that city’s department submitted every month of a year. Either no municipal department reports for this place — many smaller communities are policed by the county — or its department did not report every month of the year. Either way there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes
Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. The cost-of-living index above is a price level for all consumption, not a household budget, and it excludes taxes. Nothing here is individualized tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house.

Access

7 major airports lie within 100 miles, the nearest Orlando Sanford Intl at 68 miles.

MetricValueCompared nationallySource period
Broadband access ±8%2024 ACS 5-Year87.0%Bottom 38%of 31,5882024 ACS 5-Year
Distance to major airportNASR current cycle68 miBottom 6%of 4,226NASR current cycle
Major airports within 100 milesNASR current cycle7Top 13%of 4,226NASR current cycle
No internet access ±4%2024 ACS 5-Year7.1%Top 49%of 31,5882024 ACS 5-Year
AirportCodeDistanceLongest runway
Orlando Sanford IntlSFB68 mi11,002 ft
Orlando IntlMCO75 mi10,000 ft
Lake City GatewayLCQ76 mi8,003 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
48
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Other cities in Ocala, FL

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
OcalaMarion County66,58447Ocala vs On Top of the World
Silver Springs ShoresMarion County28,53747Silver Springs Shores vs On Top of the World
Liberty TriangleMarion County24,88850Liberty Triangle vs On Top of the World
Marion OaksMarion County23,97249

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Compare

Put On Top of the World side by side with a similar place.

On Top of the World vs Liberty TriangleOn Top of the World vs Newport

Moving to On Top of the World from somewhere else?

You get the difference in prices, rent and weather, and the income that would keep pace.

Data & methodology

Used forSourceSource period
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)
Demographics, IncomeInternal Revenue Service, Statistics of Income Division
U.S. Population Migration Data (county to county)
filing years 2022–2023
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 Normals
HousingU.S. Bureau of Economic Analysis
Regional price parities and county personal income
2023
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
July 2026
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWS
Access, Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-Year
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026
SafetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
March 2025 to February 2026; May 2025 to April 2026
SchoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2018-19 school year; 2024-25 school year
HousingU.S. Department of Housing and Urban Development, Office of Policy Development and Research
Fair Market Rents
FY2026
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar year
HousingU.S. Federal Housing Finance Agency
House Price Index (traditional, all-transactions)
2026 Q2
Current conditionsNOAA National Weather Service
National Weather Service current conditions
Live observation, read when the page opens

Profile recalculated October 8, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology, or every source with how often each updates.

ZIP codes in On Top of the World

1 ZIP area

Every ZIP area in On Top of the World with census figures of its own, largest first.

ZIPPopulationMedian household incomeMedian home valueArea Score
3448126,782$57,324$256,60047