Median Income
$62,833
16% lower than US avg
Home Value
$23,900
92% lower than US avg
Violent Crime
181/100K
52% lower than US avg
Bachelor's+
11.0%
67% lower than US avg
Obesity Rate
32.1%
0% lower than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
11.1%
10% lower than US avg
How Otter Creek Compares to the U.S. Average (100% = U.S. avg)
People
Population155
Median Age24.9 yrs
Density114/mi²
Male / Female57% / 43%
Largest GroupWhite 63%
Veterans17.1%
Economy
A
Median Income$62,833
Per Capita$23,108
Unemployment0.0%
Poverty11.1%
County GDP$1,660M
Housing
A+
Home Value$23,900
Ownership42.3%
Zillow$270,052
Housing Units100
Rent Burden29.2%
Crime
F
Violent181/100K
Property12,370/100K
Health
Obesity32.1%
Uninsured13.8%
Smoking17.6%
Depression22.2%
Heart Disease6.4%
Climate
Avg Temp69°F (21°C)
AQI41 (Good)
Rain57.1 in/yr
Sunny Days314/yr
Elevation30 ft (9 m)
Education
D
Bachelor's+11.0%
High School+82.2%
Graduate+0.0%
School Score5.13
Community
2024 VoteR 75% / D 25%
Broadband78.0%
EV Stations1
Libraries5
Is Otter Creek a Good Place to Live?
Based on current data, Otter Creek receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include a high uninsured rate. Otter Creek offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Otter Creek is $62,833, 16% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. 11.1% of residents live in poverty, near the national average of 12.4%.
Cost of Living & Housing
The median home value in Otter Creek is $23,900, 92% below the national median / offering relatively affordable homeownership. At just 0.4x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Otter Creek is below the national average at 181 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 12,370 per 100,000, 531% above the national average.
Education
11.0% of residents hold a bachelor's degree, below the national average of 33.7%. 82.2% have completed high school. Area schools have an average test score of 5.1/10.
Climate & Weather
Otter Creek enjoys a moderate climate with an average annual temperature of 69°F. Winters average 55°F in January while summers reach 81°F in July. With 314 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 57.1 inches. Air quality is rated Good with a median AQI of 41.
Otter Creek has a population of 155 with a density of 114 people per square mile, spread across 1.4 square miles. The median age is 24.9 years, 36% younger than the national median of 38.9. The gender split is 43.2% female and 56.8% male. The city is predominantly White (63.2%), with 29% Black. English is the primary language spoken at home by 100% of residents. 17.1% of the population are veterans, above the national rate of 6.0%. 13.1% of residents have a disability. 100.0% have health insurance coverage.
Population
24.9yrs
Median Age
36% below US avg
Race & Ethnicity
Otter Creek vs U.S. Average
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
Social Characteristics
Otter Creek vs U.S. Average
The median household income in Otter Creek is $62,833, which is 16% below the national average of $75,149. Per capita income is $23,108 (below the $39,052 national figure). The average weekly wage is $839, 41% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 11.1% of residents live below the poverty line. The area has 1,134 business establishments, including 92 restaurants. The cost of living index is 103.4, roughly in line with the national average. 0.0% of workers work from home (below the 15.2% national rate).
Income: Otter Creek vs U.S.
Income
| Median HH Income | $62,833 |
| 16% below US avg |
| Per Capita Income | $23,108 |
| Avg Weekly Wage | $839 |
| IRS Avg AGI | $59,165 |
| Gini Index | 0.462 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 11.1% |
| 10% below US avg |
| Establishments (County) | 1,134 |
| County GDP | $1,660M |
Business (County)
| Restaurants | 92 |
| Healthcare | 56 |
| Retail | 150 |
| Manufacturing | 21 |
Tax & Cost of Living
| Property Tax (IRS) | $4,558 |
| 30% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 19.07% |
Commute & Transportation
| Drive Alone | 29.7% |
| Public Transit | 70.3% |
| Work from Home | 0.0% |
The median home value in Otter Creek is $23,900, 92% below the national median of $281,900. Zillow estimates the typical home value at $270,052, higher than the Census estimate. Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 42.3% of housing units are owner-occupied (below the 65.4% national rate). There are 100 total housing units in the city. The median year a home was built is 1987. The average annual property tax is $4,558 (higher than the $3,500 national average). 29.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 0.4x, well within the affordable range.
Home Values
| Census Median | $23,900 |
| 92% below US avg |
| Zillow ZHVI | $270,052 |
Real Estate Market (Redfin)
Rental Costs
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 | 42.3% |
| Owner-Occupied | 42.3% |
| Renter-Occupied | 57.7% |
| Housing Units | 100 |
| Median Year Built | 1987 |
Property Tax
| Avg Tax (IRS) | $4,558 |
| 30% above US avg |
| Effective Rate | 19.07% |
In Otter Creek, 32.1% of adults are obese, below the national rate of 32.1%. 10.7% have diabetes. Heart disease affects 6.4% of residents. 32.3% have high blood pressure. 17.6% are current smokers (above the 14.0% national rate). 17.9% report binge drinking. 25.1% are physically inactive. 22.2% report depression. 21.2% experience frequent mental distress. 13.8% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:8,832. The dentist ratio is 1:4,526. 49.3% of residents have access to exercise opportunities. The food environment index is 7.8 out of 10.
Health Metrics: Otter Creek vs U.S. Average (%)
Chronic Conditions
| Obesity | 32.1% |
| 0% below US avg |
| Diabetes | 10.7% |
| Heart Disease | 6.4% |
| High Blood Pressure | 32.3% |
| Asthma | 10.9% |
| COPD | 8.0% |
| Cancer | 8.0% |
| Stroke | 3.3% |
Behaviors & Mental Health
| Smoking | 17.6% |
| 26% above US avg |
| Binge Drinking | 17.9% |
| Physical Inactivity | 25.1% |
| Depression | 22.2% |
| Mental Distress | 21.2% |
| Physical Distress | 14.8% |
| Short Sleep | 41.6% |
Healthcare Access
| Insurance Rate | 100.0% |
| Uninsured | 13.8% |
| 60% above US avg |
| Primary Care | 1:8,832 |
| Dentists | 1:4,526 |
| Mental Health | 1:1,862 |
| Checkup Rate | 74.7% |
| Dental Visits | 51.3% |
| Premature Death | 10,862/100K |
Food & Exercise
| Food Environment | 7.8/10 |
| Exercise Access | 49.3% |
| Healthcare Facilities | 56 |
Otter Creek has a violent crime rate of 181 per 100,000 residents, 52% below the national average of 380. Property crime stands at 12,370 per 100,000, 531% above the U.S. average. The county recorded 10 fatal traffic crashes. Overall, Otter Creek receives a safety grade of F.
Crime Rates: Otter Creek vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 180.6/100K |
| 52% below US avg |
| |
Property Crime
| Total Property | 12,370.2/100K |
| 531% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 10 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Otter Creek enjoys a temperate climate with an average annual temperature of 69°F (21°C). Winters average 55°F in January while summers reach 81°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 57.1 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 30 feet, near sea level.
Temperature
55°F Jan (13°C)
81°F Jul (27°C)
| Annual Average | 69.2°F |
| 28% above US avg |
| January Average | 55°F (13°C) |
| July Average | 81°F (27°C) |
| Sunny Days | 314 days/yr |
Geography
| Elevation | 30 ft (9 m) |
| Area | 1.4 sq mi (3.5 km²) |
| Population Density | 114/sq mi |
| Coordinates | 29.3233°N, 82.7751°W |
| Timezone | America/New_York |
| County | Levy County County |
| Nearest Airport | Ocala International-Jim Taylor Field (OCF)
35 miles away |
Precipitation & Snow
Annual Rainfall
57.1"
50% above US avg
Wettest Month (Aug)
9.09"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 66.1 / 100 |
| Social Vulnerability | 93.5 / 100 |
| Community Resilience | 9.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Moderate |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively High |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
| Coastal Flood |
Relatively Moderate |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
20 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 5. Most recent: Helene (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Helene |
Category 4 |
110 km |
| 2024 |
Milton |
Category 3 |
182 km |
| 2024 |
Debby |
Category 1 |
82 km |
| 2023 |
Idalia |
Category 4 |
102 km |
| 2022 |
Ian |
Category 4 |
243 km |
| 2018 |
Michael |
Category 5 |
272 km |
| 2017 |
Irma |
Category 1 |
137 km |
| 2016 |
Matthew |
Category 3 |
205 km |
| 2016 |
Hermine |
Category 1 |
154 km |
| 2004 |
Charley |
Category 4 |
155 km |
| 2004 |
Jeanne |
Category 3 |
165 km |
| 2004 |
Frances |
Category 2 |
246 km |
| 2000 |
Gordon |
Category 1 |
178 km |
| 1999 |
Irene |
Category 1 |
288 km |
| 1998 |
Earl |
Category 1 |
295 km |
| 1995 |
Erin |
Category 1 |
196 km |
| 1985 |
Elena |
Category 3 |
115 km |
| 1985 |
Kate |
Category 2 |
227 km |
| 1985 |
Bob |
Category 1 |
255 km |
| 1984 |
Diana |
Category 1 |
298 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
324 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 18 fatalities, 183 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Feb 2, 2007 |
EF3 |
86 km |
8 |
| Feb 27, 1984 |
EF3 |
89 km |
0 |
| Apr 9, 1983 |
EF3 |
73 km |
3 |
| Dec 31, 1975 |
EF3 |
65 km |
1 |
| Feb 25, 1960 |
EF3 |
99 km |
0 |
| Oct 12, 2023 |
EF2 |
55 km |
0 |
| Mar 7, 2008 |
EF2 |
97 km |
1 |
| Mar 7, 2008 |
EF2 |
98 km |
0 |
| Dec 25, 2006 |
EF2 |
94 km |
0 |
| Mar 29, 2001 |
EF2 |
55 km |
0 |
| Sep 3, 1998 |
EF2 |
48 km |
0 |
| Jan 7, 1995 |
EF2 |
73 km |
1 |
| Mar 12, 1993 |
EF2 |
59 km |
0 |
| Mar 12, 1993 |
EF2 |
22 km |
3 |
| Jun 25, 1988 |
EF2 |
70 km |
0 |
| Mar 14, 1986 |
EF2 |
57 km |
0 |
| Feb 27, 1984 |
EF2 |
89 km |
0 |
| Apr 23, 1983 |
EF2 |
46 km |
0 |
| Apr 9, 1983 |
EF2 |
56 km |
0 |
| Feb 2, 1983 |
EF2 |
54 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (59,179 ac, 2001).
| Year |
Name |
Acres |
Distance |
| 2001 |
UNNAMED |
59,179 |
72 km |
| 2007 |
UNNAMED |
13,806 |
85 km |
| 1998 |
UNNAMED |
7,078 |
74 km |
| 2011 |
SANTE FE |
6,497 |
85 km |
| 2010 |
UNNAMED |
4,859 |
68 km |
| 2006 |
UNNAMED |
4,336 |
14 km |
| 2006 |
UNNAMED |
4,231 |
23 km |
| 2000 |
UNNAMED |
3,972 |
63 km |
| 2004 |
SANTA FE SWAMP FIRE |
3,924 |
85 km |
| 2000 |
UNNAMED |
3,910 |
91 km |
| 2006 |
UNNAMED |
3,337 |
16 km |
| 2011 |
BAD LAND |
3,086 |
19 km |
| 1985 |
RIVERRD/HENDERSON |
2,824 |
84 km |
| 2010 |
BURNT ISLAND |
2,736 |
65 km |
| 2010 |
UNNAMED |
2,577 |
77 km |
| 2013 |
UNNAMED |
2,516 |
97 km |
| 2000 |
UNNAMED |
2,499 |
75 km |
| 2006 |
UNNAMED |
2,443 |
30 km |
| 2012 |
THE 1475 |
2,301 |
75 km |
| 1989 |
MASON CK |
2,249 |
67 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
55°F (13°C) |
3.9 in |
Coldest |
| February |
58°F (14°C) |
3.9 in |
|
| March |
63°F (17°C) |
4.2 in |
|
| April |
68°F (20°C) |
2.9 in |
|
| May |
74°F (23°C) |
3.5 in |
|
| June |
79°F (26°C) |
6.7 in |
|
| July |
81°F (27°C) |
8.5 in |
|
| August |
81°F (27°C) |
9.1 in |
Warmest, Wettest |
| September |
79°F (26°C) |
6.4 in |
|
| October |
72°F (22°C) |
2.2 in |
Driest |
| November |
64°F (18°C) |
2.5 in |
|
| December |
58°F (14°C) |
3.3 in |
|
Otter Creek has a seasonal temperature swing of 26°F / from 55°F in January to 81°F in August. Total annual precipitation is 57.1 inches, with August being the wettest month (9.1") and October the driest (2.2").
Average costs for common services in Otter Creek. 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 | $758 |
| Toddler | $541 |
| Preschool | $520 |
| Family Childcare (monthly) |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Otter Creek
What is the population of Otter Creek?
Otter Creek has a population of 155 residents and is located in Florida. The population density is 114 people per square mile, spread across 1.4 square miles. The median age of residents is 24.9 years, which is younger than the national median of 38.9 years. The population is 43.2% female and 56.8% male.
Is Otter Creek expensive to live in?
Otter Creek 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 $62,833, 16% below the national average of $75,149. The median home value is $23,900 (92% below the U.S. median). The home price-to-income ratio is 0.4x, indicating housing is reasonably affordable relative to local income levels.
Is Otter Creek safe?
Otter Creek is safer than the national average, with a violent crime rate of 181 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 12,370 per 100,000 (above the national average). Overall, Otter Creek receives a safety grade of F based on combined crime data.
What is the weather like in Otter Creek?
Otter Creek enjoys a temperate climate with an average annual temperature of 69°F (21°C). Winter temperatures average 55°F in January, while summers reach an average of 81°F in July. The area receives 314 sunny days per year, well above the national average of 205. Annual rainfall totals 57.1 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Otter Creek?
The job market in Otter Creek is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $839. There are 1,134 business establishments in the area, including 92 restaurants and food service locations.
How much does housing cost in Otter Creek?
The median home value in Otter Creek is $23,900. Zillow estimates the typical home value at $270,052. The homeownership rate is 42.3%. The average annual property tax is $4,558.
How are the schools in Otter Creek?
Schools in Otter Creek score 5.1 out of 10 on standardized testing, near the national average. 11.0% of adults in Otter Creek hold a bachelor's degree or higher, below the national average of 33.7%. 82.2% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Otter Creek?
The obesity rate in Otter Creek is 32.1% (below the national rate of 32.1%). 17.6% of adults are smokers. 25.1% are physically inactive. 22.2% of residents report depression. 13.8% lack health insurance (above the national rate). 49.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:8,832.
What are the demographics of Otter Creek?
The racial and ethnic makeup of Otter Creek is 63.2% White, 29% Black or African American. 100% of residents speak only English at home. 17.1% of the population are military veterans. 13.1% of residents have a disability. 100.0% have health insurance coverage.
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