The metal-to-core charge transfer (MCCT) transition in sensitized titanium-oxo clusters is an important process for photoinduced electron injection in photovoltaic conversion. This process resembles most closely the Type II photoinjection in dye-sensitized solar cells. Herein we report the synthesis and photophysical and photoelectrochemical (PEC) properties of the phosphonate-stabilized titanium-oxo clusters containing the ferrocenecarboxylate ligands. These ferrocene-containing clusters exhibit intense visible absorption extended up to 600 nm along with low optical band gaps of similar to 2.2 eV. The low-energy transitions of these clusters were systematically investigated by UV-vis spectroscopy and DFT/TDDFT calculations. The combined experimental and computational studies suggest that the ferrocenecarboxylate-substituted titanium-oxo clusters form a donor-acceptor (D-A) system. The low-energy transition of these clusters primarily involves the MCCT from the iron center to TiO cluster core. The TiO core structure and phosphonate ligands both have great influence on the PEC properties of the clusters. This work provides valuable examples for the sensitized titanium-oxo clusters in which electron injection takes place via MCCT transition.