Real Estate Investing in Hastings, Florida (32145)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Saint Johns County • Population: 5,750 • Data updated: September 2026

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Should you buy in 32145 (Hastings, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 13.4% of homes vacant — above national norms.
  • Higher unemployment: 7.2% unemployment — tenant risk signal.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Hastings, FL (32145)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $281,415
Avg Monthly Rent $1,152
1% Rule ✗ Does Not Meet
Median Income $64,868
% Renters 20.0%

Market Analysis: 32145 Hastings

Not every below-median market is a bargain. Hastings's 32145 ZIP reports signals that favor experienced operators who can absorb the risk $281K pricing implies.

Looking more closely, the numbers look inviting — $281K purchase price, 0.0% nominal cap — the work to hit that pro forma in 32145 is substantial and deserves full respect.

Within FL, ZIP 32145 trails on several market indicators that neighboring Saint Johns County submarkets outperform. The gap is real and healthy enough to shape underwriting.

The 32145 ZIP's population of 5,750 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that reflects the need for careful underwriting.

Strategy in 32145 is an operator game, not a passive one. In practical terms, entry prices of $281K are inviting, the management lift is real and non-optional.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Hastings:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
18/25
Stability
9/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.3× the median income
Value Trend
Rising (+3.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,152/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Jacksonville, FL Metro Area
More inventory, negotiating room for buyers
81 days
Average time to sell
Slow
9.3%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Jacksonville, FL metro data
🏠

Property Strategy for 32145

Which property type performs best in this market?

Best for Cash Flow
2BR
5.0% cap rate
Best for Appreciation
3BR
+7.3% 5yr CAGR
Best Overall Value
2BR
$92,174/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $184,348 $1,280 5.0% +5.6% $92,174
3BR $284,696 $1,580 4.0% +7.3% $94,899

Market Trends

Home Value History (with trend line)

$310K$260K$211K$161K$112K$62KJul 2006Jul 2016Jul 2026

📊 How Does 32145 Compare?

Metric 32145 Hastings Jacksonville, FL Florida
Home Value $281,415 $281,415 N/A $374,697
5-Year CAGR 3.7% 3.7% N/A 7.4%
Avg Rent $1,152 $1,152 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 32145? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 32145 (Hastings, FL). Anonymous, moderated, never written by AI.

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Property managers serving Saint Johns County

Manage rentals here? List your business →

Sovereign & Jacobs provides property management services in St. Augustine and Jacksonville, including accounting, rentals, and condo & homeowners association management. summary from their website

HOA
Unclaimed — is this your business? Claim it free
Alsop Property Management
Saint Augustine, FL

Alsop Property Management, a division of Alsop Companies, offers luxury rental properties and realty services for communities. summary from their website

Unclaimed — is this your business? Claim it free

Real Property Management Home Together provides property management services. summary from their website

Unclaimed — is this your business? Claim it free

Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+3.7%
Moderate

📉 Market Crash Risk Index

Based on Jacksonville, FL metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
67%
Days Pending
2/2
81 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $281,415
Monthly Rent $1,152
Price-to-Rent 20.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 6.9%

📈 Home Appreciation

1-Year +3.0% ▲
3-Year CAGR -0.2% ▼
5-Year CAGR +3.7% ▲
10-Year CAGR +8.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
13.4%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 32145

Population: 5,750

💰 Median Household Income
$64,868
This area
$64,868
State
$70,737
USA
$74,580
🏠 Renter Occupied
20.0%
This area
20.0%
State
29.9%
USA
34.0%
💼 Unemployment Rate
7.2%
This area
7.2%
State
-18.0%
USA
3.7%
🎓 College Educated
15.6%
This area
15.6%
State
4.7%
USA
33.7%
👤 Median Age
39.2 years
This area
39.2 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
13.4%
This area
13.4%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 74.9%
Other/Mixed 13.4%
Black/African American 11.8%
Hispanic/Latino 7.0%
👶 Under 18
24.8%
This area
24.8%
USA
22.0%
👴 65 and Over
14.1%
This area
14.1%
USA
17.3%
📊 Poverty Rate
16.0%
This area
16.0%
USA
11.5%

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 32145

C Avg School Grade
2 Schools
$11,896 Avg Per Pupil

Schools in This ZIP Code

C Below Average

DEEP CREEK ACADEMY

📚 06 – 12 High School Limited Data
👥
61 Students
💰
$11,896 Per Student
D Needs Improvement

ST. JOHNS COUNTY JAIL (DJJ)

📚 07 – 12 High School Limited Data
👥
2 Students
💰
$11,896 Per Student
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

Is real estate in Hastings, FL a good investment right now?

Hastings, FL rates 3.0/5 for investability. With median values at $281K and rents near $1,152/mo, the market offers reasonable fundamentals for rental investors.

Which investment style suits Hastings, FL?

A careful cash-flow rentals with hands-on management strategy Hastings, FL best. The market produces stable results for that approach at the $281K price point.

Where do rents currently stand in Hastings, FL?

Investors in Hastings, FL typically see rents near $1,152/mo per month against $281K home values - a solid setup for rental cash flow.

Does house hacking work in Hastings, FL?

House hacking in Hastings, FL is reasonable to execute. Prices around $281K and rents of $1,152/mo solid owner-occupant economics.

What are vacancy rates like in Hastings, FL?

Hastings, FL sees elevated vacancy, which is reasonable relative to the broader FL rental market.

You know 32145 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 32145 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 32145 ranks in Jacksonville, FL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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