Is on allowed to talk in the Mikvah area whether dressed or not, and in the Mikvah itself. Also, may one tell over this “halachah” in the mikvah area?
It is permitted to speak in the mikvah, even while naked. Ben Ish Chai (Bo) writes that one should preferably not speak before immersion, focussing rather on the purity of the moment.
One may not say over this halachah in the mikvah area, but should say rather “this is a mikah” or something of the sort. In the dressing chamber one may respond to a question with this halachah (Mishnah Berurah 84:7).