Fort McCoy, FL Market Update: What the Data Says for Buyers, Sellers and Investors

Michael R. Linton, Florida Broker #BK703722, advises investors, owners, tenants and banks on commercial property, small multifamily, land and distressed assets in Fort McCoy and across Marion County through Linton Global Solutions.

Fort McCoy is a softening market right now, and the numbers say good homes still move. Look at it ZIP code by ZIP code, not as one city average.

The Bottom Line on Fort McCoy

Fort McCoy is a rural community in northeast Marion County, along County Road 315 and State Road 40 at the western edge of the Ocala National Forest. It is mostly woods, small farms and large residential lots, with a handful of stores, churches and service businesses, and its economy is tied to the forest, the Ocklawaha River and the people who live out here for the space.

Fort McCoy is a softening housing market with shrinking inventory, and its commercial property trades at a discount to the rest of Marion County, with almost no distress.

• Homes: median list prices of $227,500, down 25.6% in 32134 from a year ago; Marion County is unchanged.
• Supply: 42 active listings in 32134 (down 1.2%); 77 days on market.
• Commercial: median $50 per square foot, versus $126 countywide.
• Distress: no commercial distress transfers or bank-held parcels on the 2026 tax roll.

Where Fort McCoy Is

This report covers ZIP code 32134, Fort McCoy, the County Road 315 and State Road 40 area and the western edge of the Ocala National Forest.

Housing Market

The highest-priced ZIP code is 32134 at $227,500. The FHFA House Price Index shows five-year gains of 60.2%; the run-up is behind us, and today is about pricing to the market.

Who Is Buying: Mortgage Data

Investors took the largest share of purchase loans in 32134 (9.4%). Source: the CFPB's HMDA data browser.

Rents

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom is $1,370. The strongest renter base is in 32134, where 10% of households rent. Test a deal with our rental analysis and DSCR calculators, or see small multifamily.

Commercial Real Estate

Commercial property in Fort McCoy is small and scattered: convenience stores, feed and hardware stores, auto repair and small service buildings along CR 315 and State Road 40, plus rural land. With few comparable sales, values depend on the specific site, the traffic it gets and whether it has well, septic and road frontage.

Fort McCoy has about 0.3 million square feet of commercial buildings and recorded 7 arm's-length sales at a median $50 per square foot, below the county's $126. There were no distress transfers or bank-held parcels on the roll.

In Fort McCoy there are not enough sales to set a price from comps alone. Look at the well, the septic, the frontage and the traffic count, and get an appraiser who actually drives out here.

Jobs, Permits and the County Economy

Marion County jobs were up 2.0% over the latest year per the BLS Quarterly Census of Employment and Wages, with unemployment at 5.7%. Housing permits are down 10.0% this year per the Census Building Permits Survey. 32134 grew -4% in population over the Census survey period, the 180th-highest of the ZIP codes in our reports.

What It Means for Buyers, Sellers, Investors and Banks

Home buyers: negotiate; price cuts are common and the asking price is a starting point.

Sellers: price to recent sales in your ZIP code, not to last year's peak.

Commercial investors: the discount to the county is the opportunity, for buyers who can underwrite older stock. Trading in? See 1031 exchanges.

Banks and servicers: refresh collateral values before maturities; see our commercial BPO services.

How We Built This Report

Every number comes from the Linton Global Market Map, part of REOMind.ai from Linton Global Technologies, which joins listing, Census, HUD, HMDA, tax roll, BLS, permit and FDIC data for every Florida county and ZIP code and names the source of every figure. See the full Marion County report.

Key Takeaways

• ✓Fort McCoy list prices are down 25.6% in 32134; Marion County is unchanged.
• ✓Homes are taking 77 days to sell.
• ✓Commercial property sold at a median $50 per square foot, against $126 countywide.
• ✓No commercial distress on the 2026 tax roll.
• ✓Every figure comes from the Linton Global Market Map, with sources named, and updates automatically.

About Michael R. Linton

Who is Michael R. Linton? Michael R. Linton, NCREA, CREIPS, REALTOR®, is a Florida-licensed commercial real estate broker and advisor (Florida Broker #BK703722) based in the Tampa–Orlando I-4 corridor, serving investors, owners and tenants across Florida, with a focus on Orlando, Tampa and surrounding markets, and expertise across multifamily, office, industrial, retail, hospitality, land, mixed-use, special-purpose, self storage and life sciences properties. He leads Linton Global Solutions and HireMikeLinton.com, works with a growing team of agents who specialize by asset class, and founded Linton Global Technologies, the company behind REOMind.ai.

Why choose Michael R. Linton for Fort McCoy? Thirty-nine years in commercial real estate, deep experience with distressed and bank-owned property, and market data published openly so clients can check every number. See the Florida commercial broker profile.

Frequently Asked Questions

Works Cited

• Consumer Financial Protection Bureau and FFIEC. “HMDA Data Browser.” ffiec.cfpb.gov/data-browser. Accessed 19 Oct. 2026.
• Federal Deposit Insurance Corporation. “BankFind Suite.” banks.data.fdic.gov. Accessed 19 Oct. 2026.
• Federal Housing Finance Agency. “House Price Index.” www.fhfa.gov/data/hpi. Accessed 19 Oct. 2026.
• U.S. Department of Housing and Urban Development. “Small Area Fair Market Rents.” HUD User, www.huduser.gov/portal/datasets/fmr/smallarea. Accessed 19 Oct. 2026.
• U.S. Bureau of Labor Statistics. “Quarterly Census of Employment and Wages.” www.bls.gov/cew. Accessed 19 Oct. 2026.
• U.S. Census Bureau. “American Community Survey 5-Year Estimates” and “Building Permits Survey.” www.census.gov. Accessed 19 Oct. 2026.
• Realtor.com Economic Research. “Housing Inventory: ZIP Level Data.” www.realtor.com/research/data. Accessed 19 Oct. 2026.
• Florida Department of Revenue. “Property Tax Data Files (NAL/SDF).” 2026 final roll, Marion County, via LGData.
• Trish Hartmann. “Ocala National Forest.” Wikimedia Commons, CC BY 2.0, commons.wikimedia.org/wiki/File:Ocala_National_Forest,_Ocala,_Florida,_US.jpg. Accessed 19 Oct. 2026.