Median Income
$57,765
23% lower than US avg
Home Value
$275,000
2% lower than US avg
Violent Crime
511/100K
34% higher than US avg
Bachelor's+
38.3%
14% higher than US avg
Median Rent
$1,162
0% lower than US avg
Obesity Rate
33.3%
4% higher than US avg
Unemployment
0.6%
83% lower than US avg
Poverty Rate
3.5%
72% lower than US avg
How On Top of the World Compares to the U.S. Average (100% = U.S. avg)
People
Population13,772
Median Age72.3 yrs
Density787/mi²
Male / Female46% / 55%
Largest GroupWhite 91%
Veterans24.0%
Economy
A
Median Income$57,765
Per Capita$44,954
Unemployment0.6%
Poverty3.5%
County GDP$17,641M
Commute27 min
Housing
B+
Home Value$275,000
Rent$1,162
Ownership91.4%
Zillow$267,833
Housing Units8,170
Rent Burden33.0%
Crime
F
Violent511/100K
Property3,348/100K
Health
Obesity33.3%
Uninsured13.0%
Smoking13.7%
Depression20.9%
Heart Disease5.3%
Climate
Avg Temp71°F (22°C)
AQI41 (Good)
Rain51.6 in/yr
Sunny Days314/yr
Elevation68 ft (21 m)
Education
A
Bachelor's+38.3%
High School+97.1%
Graduate+15.0%
School Score5.23
Community
2024 VoteR 65% / D 34%
Commute27 min
Broadband87.0%
EV Stations2
Libraries8
Is On Top of the World a Good Place to Live?
Based on current data, On Top of the World receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low unemployment, a highly educated population, abundant sunshine, a low poverty rate. Areas to be aware of include elevated crime rates, a high uninsured rate, below-average incomes. On Top of the World offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in On Top of the World is $57,765, 23% below the national average of $75,149. The job market is very strong with unemployment at just 0.6%. Only 3.5% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in On Top of the World is $275,000, roughly aligned with the national median of $281,900. Renters pay a median of $1,162 per month. A price-to-income ratio of 4.8x indicates a reasonably affordable housing market.
Safety & Crime
The violent crime rate of 511 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 3,348 per 100,000, 71% above the national average.
Education
Educational attainment is solid, with 38.3% holding a bachelor's degree or higher, near the national average. 97.1% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
On Top of the World has a warm climate with an average annual temperature of 71°F. Winters average 58°F in January while summers reach 82°F in July. With 314 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 51.6 inches. Air quality is rated Good with a median AQI of 41.
On Top of the World has a population of 13,772 with a density of 787 people per square mile, spread across 17.5 square miles. The median age is 72.3 years, 86% older than the national median of 38.9. The gender split is 54.5% female and 45.5% male. The city is predominantly White (91.3%), with 4.2% Black. English is the primary language spoken at home by 92.5% of residents, while 7.5% speak Spanish. 24.0% of the population are veterans, above the national rate of 6.0%. 22.3% of residents have a disability (above the 13.0% national average). 99.2% have health insurance coverage.
Population
72.3yrs
Median Age
86% above US avg
Race & Ethnicity
On Top of the World vs U.S. Average
Language Spoken at Home
English Only
92.5%
18% above US avg
Spanish
7.5%
44% below US avg
Social Characteristics
On Top of the World vs U.S. Average
The median household income in On Top of the World is $57,765, which is 23% below the national average of $75,149. Per capita income is $44,954 (above the $39,052 national figure). The average weekly wage is $1,010, 29% lower than the U.S. average. The unemployment rate is 0.6% (below the 3.6% US average). 3.5% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 10,226 business establishments, including 570 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 27 minutes. 24.5% of workers work from home (above the 15.2% national rate).
Income: On Top of the World vs U.S.
Income
| Median HH Income | $57,765 |
| 23% below US avg |
| Per Capita Income | $44,954 |
| Avg Weekly Wage | $1,010 |
| IRS Avg AGI | $65,162 |
| Gini Index | 0.450 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.6% |
| 83% below US avg |
| Poverty Rate | 3.5% |
| 72% below US avg |
| Establishments (County) | 10,226 |
| County GDP | $17,641M |
Business (County)
| Restaurants | 570 |
| Healthcare | 985 |
| Retail | 1,173 |
| Manufacturing | 212 |
Tax & Cost of Living
| Property Tax (IRS) | $5,878 |
| 68% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 2.14% |
Commute & Transportation
| Commute Time | 26.5 min |
| Drive Alone | 71.3% |
| Public Transit | 0.0% |
| Work from Home | 24.5% |
The median home value in On Top of the World is $275,000, 2% below the national median of $281,900. Zillow estimates the typical home value at $267,833. Homes sell for 95.6% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $1,162 (0% below the national average of $1,163). Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 91.4% of housing units are owner-occupied (above the 65.4% national rate). There are 8,170 total housing units in the city. The median year a home was built is 2003. The average annual property tax is $5,878 (higher than the $3,500 national average). 33.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 4.8x.
Home Values
| Census Median | $275,000 |
| 2% below US avg |
| Zillow ZHVI | $267,833 |
| Median List Price | $321,661 |
Real Estate Market (Redfin)
| Median List Price | $321,661 |
| $/Sq Ft | $172 |
| Homes Sold | 63 |
| Sale-to-List Ratio | 95.6% |
| Price Drops | 29.5% |
| Inventory | 421 |
Rental Costs
| Census Median Rent | $1,162 |
| 0% below US avg |
| Rent Burden | 33.0% |
HUD Fair Market Rent
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
Ownership & Property
| Homeownership | 91.4% |
| Owner-Occupied | 91.4% |
| Renter-Occupied | 8.6% |
| Housing Units | 8,170 |
| Median Year Built | 2003 |
Property Tax
| Avg Tax (IRS) | $5,878 |
| 68% above US avg |
| Effective Rate | 2.14% |
In On Top of the World, 33.3% of adults are obese, above the national rate of 32.1%. 8.7% have diabetes (below the 10.5% national rate). Heart disease affects 5.3% of residents. 28.6% have high blood pressure. 13.7% are current smokers. 18.5% report binge drinking. 20.1% are physically inactive, below the national average. 20.9% report depression. 18.5% experience frequent mental distress. 13.0% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,723. The dentist ratio is 1:2,403. 68.2% of residents have access to exercise opportunities. The food environment index is 7.2 out of 10.
Health Metrics: On Top of the World vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.3% |
| 4% above US avg |
| Diabetes | 8.7% |
| Heart Disease | 5.3% |
| High Blood Pressure | 28.6% |
| Asthma | 9.8% |
| COPD | 6.0% |
| Cancer | 7.8% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 13.7% |
| 2% below US avg |
| Binge Drinking | 18.5% |
| Physical Inactivity | 20.1% |
| Depression | 20.9% |
| Mental Distress | 18.5% |
| Physical Distress | 12.9% |
| Short Sleep | 38.4% |
Healthcare Access
| Insurance Rate | 99.2% |
| Uninsured | 13.0% |
| 51% above US avg |
| Primary Care | 1:1,723 |
| Dentists | 1:2,403 |
| Mental Health | 1:812 |
| Checkup Rate | 75.9% |
| Dental Visits | 61.8% |
| Premature Death | 12,581/100K |
Food & Exercise
| Food Environment | 7.2/10 |
| Exercise Access | 68.2% |
| Healthcare Facilities | 985 |
On Top of the World has a violent crime rate of 511 per 100,000 residents, 34% above the national average of 380. Property crime stands at 3,348 per 100,000, 71% above the U.S. average. The county recorded 104 fatal traffic crashes. Overall, On Top of the World receives a safety grade of F.
Crime Rates: On Top of the World vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 510.8/100K |
| 34% above US avg |
| |
Property Crime
| Total Property | 3,348.5/100K |
| 71% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 104 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
On Top of the World has a warm climate with an average annual temperature of 71°F (22°C). Winters average 58°F in January while summers reach 82°F in July. The area gets 314 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 51.6 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 68 feet.
Temperature
58°F Jan (15°C)
82°F Jul (28°C)
| Annual Average | 71.3°F |
| 32% above US avg |
| January Average | 58°F (15°C) |
| July Average | 82°F (28°C) |
| Sunny Days | 314 days/yr |
Geography
| Elevation | 68 ft (21 m) |
| Area | 17.5 sq mi (45.4 km²) |
| Population Density | 787/sq mi |
| Coordinates | 29.1058°N, 82.2866°W |
| Timezone | America/New_York |
| County | Marion County County |
| Nearest Airport | Ocala International-Jim Taylor Field (OCF) 6 miles away |
Precipitation & Snow
Annual Rainfall
51.6"
36% above US avg
Wettest Month (Aug)
7.24"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively High |
| Risk Score | 94.7 / 100 |
| Social Vulnerability | 69.6 / 100 |
| Community Resilience | 16.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Relatively High |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Very Low |
| Lightning |
Very High |
| Drought |
Relatively Low |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
| Coastal Flood |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
22 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 4. Most recent: Helene (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Helene |
Category 4 |
163 km |
| 2024 |
Milton |
Category 3 |
146 km |
| 2024 |
Debby |
Category 1 |
135 km |
| 2023 |
Idalia |
Category 4 |
154 km |
| 2022 |
Ian |
Category 4 |
195 km |
| 2022 |
Nicole |
Category 1 |
257 km |
| 2021 |
Elsa |
Category 1 |
293 km |
| 2019 |
Dorian |
Category 3 |
262 km |
| 2017 |
Irma |
Category 1 |
101 km |
| 2016 |
Matthew |
Category 4 |
165 km |
| 2016 |
Hermine |
Category 1 |
207 km |
| 2005 |
Ophelia |
Category 1 |
296 km |
| 2004 |
Charley |
Category 4 |
106 km |
| 2004 |
Jeanne |
Category 3 |
126 km |
| 2004 |
Frances |
Category 2 |
198 km |
| 2000 |
Gordon |
Category 1 |
192 km |
| 1999 |
Irene |
Category 1 |
239 km |
| 1995 |
Erin |
Category 1 |
237 km |
| 1985 |
Elena |
Category 3 |
151 km |
| 1985 |
Kate |
Category 1 |
277 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
467 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 37 fatalities, 439 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Feb 2, 2007 |
EF3 |
34 km |
8 |
| Feb 2, 2007 |
EF3 |
70 km |
13 |
| Feb 22, 1998 |
EF3 |
89 km |
3 |
| Apr 9, 1983 |
EF3 |
47 km |
3 |
| Dec 31, 1975 |
EF3 |
12 km |
1 |
| Oct 12, 2023 |
EF2 |
43 km |
0 |
| Aug 18, 2020 |
EF2 |
92 km |
0 |
| Dec 25, 2006 |
EF2 |
89 km |
0 |
| Dec 25, 2006 |
EF2 |
96 km |
0 |
| Mar 29, 2001 |
EF2 |
100 km |
0 |
| Mar 29, 2001 |
EF2 |
16 km |
0 |
| Sep 3, 1998 |
EF2 |
26 km |
0 |
| Apr 24, 1995 |
EF2 |
81 km |
0 |
| Jan 7, 1995 |
EF2 |
20 km |
1 |
| Mar 12, 1993 |
EF2 |
69 km |
1 |
| Mar 12, 1993 |
EF2 |
72 km |
3 |
| Mar 12, 1993 |
EF2 |
6 km |
0 |
| Jun 25, 1988 |
EF2 |
31 km |
0 |
| Apr 15, 1987 |
EF2 |
56 km |
0 |
| Apr 15, 1987 |
EF2 |
72 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (13,806 ac, 2007).
| Year |
Name |
Acres |
Distance |
| 2007 |
UNNAMED |
13,806 |
82 km |
| 2006 |
JUNIPER |
11,998 |
59 km |
| 1998 |
UNNAMED |
9,705 |
84 km |
| 2009 |
JUNIPER SPRINGS |
8,363 |
59 km |
| 1998 |
UNNAMED |
7,078 |
76 km |
| 2011 |
SANTE FE |
6,497 |
81 km |
| 1995 |
UNNAMED |
5,474 |
87 km |
| 2011 |
ESPANOLA FIRE |
5,468 |
98 km |
| 2012 |
UNNAMED |
5,431 |
70 km |
| 1991 |
UNNAMED |
4,948 |
92 km |
| 2010 |
UNNAMED |
4,864 |
95 km |
| 2019 |
C236/238/239/305 BOWERS ALEX SPRINGS N |
4,561 |
75 km |
| 1998 |
UNNAMED |
4,421 |
83 km |
| 1998 |
UNNAMED |
4,344 |
99 km |
| 2006 |
UNNAMED |
4,336 |
41 km |
| 2006 |
UNNAMED |
4,231 |
32 km |
| 1996 |
MAJOR 1 |
4,067 |
62 km |
| 1998 |
UNNAMED |
4,012 |
99 km |
| 2000 |
UNNAMED |
3,972 |
70 km |
| 2004 |
SANTA FE SWAMP FIRE |
3,924 |
81 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
58°F (15°C) |
3.5 in |
Coldest |
| February |
59°F (15°C) |
3.4 in |
|
| March |
64°F (18°C) |
4.1 in |
|
| April |
69°F (20°C) |
2.7 in |
|
| May |
75°F (24°C) |
3.7 in |
|
| June |
80°F (26°C) |
7.2 in |
|
| July |
82°F (28°C) |
7.0 in |
Warmest |
| August |
81°F (27°C) |
7.2 in |
Wettest |
| September |
79°F (26°C) |
5.7 in |
|
| October |
72°F (22°C) |
2.5 in |
|
| November |
65°F (18°C) |
2.4 in |
Driest |
| December |
59°F (15°C) |
2.6 in |
|
On Top of the World has a seasonal temperature swing of 24°F / from 58°F in January to 82°F in July. Total annual precipitation is 52.0 inches, with August being the wettest month (7.2") and November the driest (2.4").
Average costs for common services in On Top of the World. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$259 ($155–$414) |
| Specialist Visit |
$362 ($207–$569) |
| Urgent Care Visit |
$207 ($103–$362) |
| Emergency Room Visit |
$2,275 ($827–$5,170) |
| Dental Cleaning |
$134 ($78–$207) |
| Dental Filling |
$259 ($155–$414) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26–$78) |
| Oil Change (Synthetic) |
$78 ($52–$124) |
| Brake Pad Replacement |
$310 ($155–$517) |
| Tire Rotation |
$41 ($21–$78) |
| New Tires (Set of 4) |
$620 ($414–$1,034) |
| Battery Replacement |
$207 ($103–$362) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$103 ($62–$155) |
| Electrician (Per Hour) |
$93 ($52–$145) |
| HVAC Repair |
$414 ($155–$827) |
| HVAC System Install |
$7,238 ($4,136–$12,408) |
| Roof Repair |
$1,034 ($414–$2,068) |
| Roof Replacement |
$9,306 ($5,687–$15,510) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,551 ($517–$3,619) |
| Divorce (Contested) |
$15,510 ($5,170–$31,020) |
| DUI Defense |
$5,170 ($2,068–$10,340) |
| Bankruptcy (Chapter 7) |
$1,551 ($827–$3,102) |
| Will Preparation |
$517 ($207–$1,034) |
| Trust Preparation |
$2,585 ($1,034–$5,170) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16–$47) |
| Women's Haircut |
$57 ($31–$103) |
| Hair Coloring (Full) |
$155 ($78–$259) |
| Manicure |
$26 ($16–$47) |
| Pedicure |
$41 ($26–$67) |
| Massage (1 Hour) |
$83 ($52–$134) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.24 ($3.10–$5.69) |
| Dozen Eggs (per dozen) |
$3.62 ($2.59–$5.17) |
| Loaf of Bread |
$3.93 ($2.59–$5.69) |
| Chicken Breast (per lb) |
$4.65 ($3.10–$6.72) |
| Ground Beef (per lb) |
$5.69 ($4.14–$7.76) |
| Rice (per lb) |
$1.03 ($0.62–$1.86) |
View all 20 services
Utilities
| Electricity (Monthly) |
$145 ($83–$259) |
| Natural Gas (Monthly) |
$72 ($31–$155) |
| Water/Sewer (Monthly) |
$72 ($41–$124) |
| Internet (Monthly) |
$72 ($41–$103) |
| Cell Phone Plan (Monthly) |
$67 ($31–$103) |
| Cable TV (Monthly) |
$88 ($52–$155) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$207 ($78–$517) |
| Car Insurance (Annual) |
$2,068 ($1,241–$3,619) |
| Bus Pass (Monthly) |
$72 ($31–$134) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.27–$26) |
| Car Registration (Annual) |
$103 ($31–$259) |
| Driver's License Renewal |
$31 ($16–$78) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,241 ($620–$2,585) |
| Daycare (Toddler, Monthly) |
$1,034 ($517–$2,068) |
| After-School Care (Monthly) |
$414 ($207–$724) |
| Tutoring (Per Hour) |
$52 ($26–$103) |
| SAT/ACT Prep Course |
$1,034 ($414–$2,585) |
| Private School (K-12, Annual) |
$12,925 ($5,170–$31,020) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$62 ($31–$103) |
| Dog Vaccination (Annual) |
$103 ($52–$207) |
| Dog Grooming |
$62 ($31–$103) |
| Pet Boarding (Per Night) |
$41 ($21–$78) |
| Dog Spay/Neuter |
$310 ($155–$517) |
| Cat Spay/Neuter |
$207 ($103–$414) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $801 |
| Toddler | $671 |
| Preschool | $615 |
| Family Childcare (monthly) |
| Infant | $779 |
| Toddler | $572 |
| Preschool | $541 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About On Top of the World
What is the population of On Top of the World?
On Top of the World has a population of 13,772 residents and is located in Florida. The population density is 787 people per square mile, spread across 17.5 square miles. The median age of residents is 72.3 years, which is older than the national median of 38.9 years. The population is 54.5% female and 45.5% male.
Is On Top of the World expensive to live in?
On Top of the World has a cost of living roughly in line with the national average, with an index of 103.4 (baseline: 100). The median household income is $57,765, 23% below the national average of $75,149. The median home value is $275,000 (2% below the U.S. median). Renters pay a median of $1,162 per month. The home price-to-income ratio is 4.8x, indicating housing is reasonably affordable relative to local income levels.
Is On Top of the World safe?
The violent crime rate in On Top of the World is 511 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 3,348 per 100,000 (above the national average). Overall, On Top of the World receives a safety grade of F based on combined crime data.
What is the weather like in On Top of the World?
On Top of the World has a warm climate with an average annual temperature of 71°F (22°C). Winter temperatures average 58°F in January, while summers reach an average of 82°F in July. The area receives 314 sunny days per year, well above the national average of 205. Annual rainfall totals 51.6 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in On Top of the World?
The job market in On Top of the World is very strong, with unemployment at just 0.6% / well below the national rate of 3.6%. The average weekly wage is $1,010. There are 10,226 business establishments in the area, including 570 restaurants and food service locations. The average commute time is 27 minutes, and 24.5% of workers work from home.
How much does housing cost in On Top of the World?
The median home value in On Top of the World is $275,000. Zillow estimates the typical home value at $267,833. For renters, the median monthly rent is $1,162. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 91.4%. The average annual property tax is $5,878.
How are the schools in On Top of the World?
Schools in On Top of the World score 5.2 out of 10 on standardized testing, near the national average. 38.3% of adults in On Top of the World hold a bachelor's degree or higher, above the national average of 33.7%. 97.1% have completed high school. 15.0% hold a graduate or professional degree.
How healthy is On Top of the World?
The obesity rate in On Top of the World is 33.3% (above the national rate of 32.1%). 13.7% of adults are smokers. 20.1% are physically inactive. 20.9% of residents report depression. 13.0% lack health insurance (above the national rate). 68.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,723.
What is transportation like in On Top of the World?
The average commute in On Top of the World is 27 minutes. 71.3% of workers drive alone to work, and 24.5% work from home.
What are the demographics of On Top of the World?
The racial and ethnic makeup of On Top of the World is 91.3% White, 4.2% Black or African American. 92.5% of residents speak only English at home, while 7.5% speak Spanish. 24.0% of the population are military veterans. 22.3% of residents have a disability. 99.2% have health insurance coverage.