Real Estate Investing in Lady Lake, Florida (32159)

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

Lake County • Population: 30,846 • Data updated: September 2026

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Should you buy in 32159 (Lady Lake, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (45/100)

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
1 flag
  • High vacancy: 16.3% of homes vacant — above national norms.

What’s happening in Lady Lake, FL (32159)?

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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 $317,506
Avg Monthly Rent $1,557
1% Rule ✗ Does Not Meet
Median Income $55,244
% Renters 18.2%

Market Analysis: 32159 Lady Lake

Turning to rents, ZIP 32159 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $318K median. It rewards specialists, not generalists.

The investment case in 32159 is significant only for operators who understand what they are buying. A $318K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

ZIP 32159's metrics run below Lake County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Looking more closely, 30,846 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

looks to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Lady Lake:

C+ Average
Buy Confidence Score: 66/100
Affordability
10/25
Appreciation
18/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.7× the median income
Value Trend
Declining (-1.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,557/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
Orlando-Kissimmee-Sanford, FL Metro Area
More inventory, negotiating room for buyers
71 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 Orlando-Kissimmee-Sanford, FL metro data
🏠

Property Strategy for 32159

Which property type performs best in this market?

Best for Cash Flow
2BR
4.1% cap rate
Best for Appreciation
4BR
+7.6% 5yr CAGR
Best Overall Value
4BR
$114,905/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $273,714 $1,570 4.1% +4.9% $136,857
3BR $364,574 $1,960 3.9% +6.1% $121,525
4BR $459,620 $2,320 3.6% +7.6% $114,905

Market Trends

Home Value History (with trend line)

$360K$317K$274K$231K$188K$144KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,880$1,810$1,741$1,672$1,602$1,533Nov 2023Mar 2025Jul 2026

📊 How Does 32159 Compare?

Metric 32159 Lady Lake Orlando-Kissimmee-Sanford, FL Florida
Home Value $317,506 $317,506 N/A $374,697
5-Year CAGR 3.5% 3.5% N/A 7.4%
Avg Rent $1,557 $1,557 N/A -
Cap Rate 3.8% 3.8% - -
💡 Why Invest in 32159? 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 32159 (Lady Lake, FL). Anonymous, moderated, never written by AI.

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Property managers serving Lake County

Manage rentals here? List your business →

Towers Property Management provides community association management services to homeowners associations and condominium associations in Central Florida, including Orlando, Altamonte Springs, Oviedo, summary from their website

HOA
Unclaimed — is this your business? Claim it free

Gunn Property Services offers full-service Leesburg property management to owners and investors, helping find and apply for rental homes in Leesburg and The Villages. summary from their website

Unclaimed — is this your business? Claim it free

MOSAIC® provides property management services in Central Florida. 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
3.8%
Low
5yr Growth
+3.5%
Moderate

📊 Market Snapshot

Home Value $317,506
Monthly Rent $1,557
Price-to-Rent 17.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.9%
Cap Rate 3.8%
5-Year IRR 7.3%

📈 Home Appreciation

1-Year -1.9% ▼
3-Year CAGR -2.5% ▼
5-Year CAGR +3.5% ▲
10-Year CAGR +4.1% ▲

🏠 Rent Trends

1-Year -6.1% ▼
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). 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
16.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 32159

Population: 30,846

💰 Median Household Income
$55,244
This area
$55,244
State
$70,737
USA
$74,580
🏠 Renter Occupied
18.2%
This area
18.2%
State
29.9%
USA
34.0%
💼 Unemployment Rate
1.6%
This area
1.6%
State
-18.0%
USA
3.7%
🎓 College Educated
27.3%
This area
27.3%
State
4.7%
USA
33.7%
👤 Median Age
68.4 years
This area
68.4 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
16.3%
This area
16.3%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 91.1%
Black/African American 3.9%
Other/Mixed 3.6%
Hispanic/Latino 1.9%
Asian 1.4%
👶 Under 18
8.2%
This area
8.2%
USA
22.0%
👴 65 and Over
58.1%
This area
58.1%
USA
17.3%
📊 Poverty Rate
4.4%
This area
4.4%
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 32159

B Avg School Grade
1 Schools
15.2:1 Avg Class Size
$11,078 Avg Per Pupil

Schools in This ZIP Code

B Good

THE VILLAGES ELEMENTARY OF LADY LAKE SCHOOL

📚 Pre-K – 05 Elementary
👥
762 Students
👨‍🏫
15.2:1 Class Size
💰
$11,078 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.

🎓 Nearby Colleges & Universities

4 Nearby 2,150 Off-Campus Students
D
Tenaj Salon Institute
62 students · 7.4 mi
C+
Beacon College
527 students · 8.1 mi
C
Lake-Sumter State College
5,064 students · 9.3 mi
C
Lake Technical College
822 students · 14.4 mi

Investor Insight: With 2,150 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What real estate strategy is ideal for Lady Lake, FL?

For Lady Lake, FL, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

What is the median home value in Lady Lake, FL?

Expect median prices around $318K in Lady Lake, FL. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.

What are rental rates like in Lady Lake, FL?

Rental rates in Lady Lake, FL average $1,557/mo. Tenant demand and $318K home values make the yield look reasonable by investor standards.

What kind of tenants rent in Lady Lake, FL?

Lady Lake, FL offers a reliable renter base at the $1,557/mo rent level. Tenant turnover is reasonable for well-managed properties.

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

Lady Lake, FL scores 3.0/5 for investability. Home values sit at $318K and rents near $1,557/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

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How 32159 ranks in Orlando-Kissimmee-Sanford, FL

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