Is Ocean City, FL a Good Place to Live?
Ocean City is a small town of 6,108 in Florida, with a median household income of $53,181 and a 1.7% unemployment rate. Its cost of living index is 98 (US average = 100), which is 2% below the national average.
Strengths: Ocean City's profile is close to national averages across most measures.
Trade-offs: No major red flags stand out in the available data. Whether Ocean City is right for you depends on your priorities — the full breakdown is below.
All Ocean City city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 98.0Ocean City's overall cost of living index is 98.0, where 100 represents the US national average. Living in Ocean City costs roughly 2% less than the average American city.
| Metric | Ocean City, FL | National Avg |
|---|---|---|
| Median Home Value | $285,900 | $244,900 |
| Median Monthly Rent | $1,289 | $1,163 |
| Homeownership Rate | 56.1% | 65.9% |
| Median Household Income | $53,181 | $74,755 |
Crime & Safety
Crime data for Ocean City is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.
Schools & Education
| Metric | Ocean City, FL | National Avg |
|---|---|---|
| School District | N/A | — |
| Elementary Schools | N/A | — |
| Middle Schools | N/A | — |
| High Schools | N/A | — |
| Student/Teacher Ratio | N/A | 16:1 |
| Bachelor's Degree or Higher | 26.1% | 35.4% |
| High School Diploma or Higher | 86.6% | 91.1% |
Weather & Climate
Ocean City sees average highs of 63.1°F in January and 90.9°F in July, with 63.8 inches of annual precipitation .
| Metric | Ocean City, FL |
|---|---|
| Average High — January | 63.1°F |
| Average High — July | 90.9°F |
| Annual Precipitation | 63.8" |
| Annual Snowfall | Trace / None |
Demographics
| Metric | Ocean City, FL | National Avg |
|---|---|---|
| Population | 6,108 | — |
| Median Age | 33.9 | 38.9 |
| Unemployment Rate | 1.7% | 3.7% |
| Avg Commute Time | 26.1 min | 26 min |
| White (non-Hispanic) | 72.3% | 59.3% |
| Black or African American | 6.6% | 13.6% |
| Hispanic or Latino | 13.7% | 18.9% |
| Asian | 1.6% | 6.3% |
| Under 18 | 18.8% | 22.2% |
| 65 and over | 12.5% | 16.8% |