Real Estate Investing in Fort Mc Coy, Florida (32134)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 32134 (Fort Mc Coy, FL)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 43.9% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Fort Mc Coy, FL (32134)?
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Market Analysis: 32134 Fort Mc Coy
This part of Marion County is not an easy win. The 32134 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $162K asset, 32134 is the wrong submarket. If the plan prices in friction, the yield can still work.
From an investor standpoint, 32134 offers a low basis, the region around Fort Mc Coy has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Who lives in 32134 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
The right play in 32134 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Fort Mc Coy:
Property Strategy for 32134
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $87,198 | $1,340 | 11.1% | — | $87,198 |
| 2BR | $139,873 | $1,520 | 7.8% | — | $69,936 |
| 3BR | $271,674 | $1,920 | 5.1% | +9.7% | $90,558 |
| 4BR | $403,676 | $2,320 | 4.1% | +8.9% | $100,919 |
Market Trends
Home Value History (with trend line)
📊 How Does 32134 Compare?
| Metric | 32134 | Fort Mc Coy | Ocala, FL | Florida |
|---|---|---|---|---|
| Home Value | $161,796 | $161,796 | N/A | $374,697 |
| 5-Year CAGR | 5.0% | 5.0% | N/A | 7.4% |
| Avg Rent | $1,368 | $1,368 | N/A | - |
| Cap Rate | 6.6% | 6.6% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 32134 (Fort Mc Coy, FL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $161,796 |
| Monthly Rent | $1,368 |
| Price-to-Rent | 9.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 10.2% |
| Cap Rate | 6.6% |
| 5-Year IRR | 11.6% |
📈 Home Appreciation
| 1-Year | +7.4% ▲ |
| 3-Year CAGR | +0.2% ▲ |
| 5-Year CAGR | +5.0% ▲ |
| 10-Year CAGR | +9.1% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.6%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.
⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 32134
Population: 7,400
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 32134
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
Frequently Asked Questions
How strong are rents in Fort Mc Coy, FL?
Investors in Fort Mc Coy, FL typically see rents near $1,368/mo per month against $162K home values - a solid setup for rental cash flow.
Should investors worry about vacancy in Fort Mc Coy, FL?
Fort Mc Coy, FL sees elevated vacancy, which is reasonable relative to the broader FL rental market.
Is Fort Mc Coy, FL a good place for real estate investing?
Fort Mc Coy, FL records an investability rating of 3.0/5, with median home values near $162K and average rents around $1,368/mo. That combination puts it in the notable tier for investor interest.
Can I house hack in Fort Mc Coy, FL?
Fort Mc Coy, FL offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,368/mo rent level.
What is the best play in Fort Mc Coy, FL?
Fort Mc Coy, FL investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($162K prices, $1,368/mo rents) make it a reasonable choice.
You know 32134 now. You don’t know where it ranks.
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How 32134 ranks in Ocala, FL
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