Real Estate Investing in Pinetta, Florida (32350)

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

Madison County • Population: 1,452 • Data updated: September 2026

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Should you buy in 32350 (Pinetta, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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: 16.0% 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 Pinetta, FL (32350)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $282,454
Avg Monthly Rent $963
1% Rule ✗ Does Not Meet
Median Income $47,946
% Renters 20.0%

Market Analysis: 32350 Pinetta

ZIP 32350 in Pinetta, FL carries a substantial set of headwinds. Home values near $282K and rents of $963/mo sit inside a market where underwriting has to be tight.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 32350 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

The gap between 32350 and stronger Pinetta ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Resident income in 32350 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Distressed ZIPs reward experience. robust returns are possible in 32350, but they flow to investors who already understand how to operate in soft markets.

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 Pinetta:

C+ Average
Buy Confidence Score: 65/100
Affordability
10/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.9× the median income
Value Trend
Rising (+6.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $963/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$302K$267K$233K$199K$165K$131KFeb 2019Nov 2022Jul 2026

📊 How Does 32350 Compare?

Metric 32350 Pinetta Florida
Home Value $282,454 $282,454 $374,697
5-Year CAGR 7.5% 7.5% 7.4%
Avg Rent $963 $963 -
Cap Rate 2.7% 2.7% -
💡 Why Invest in 32350? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 32350 (Pinetta, FL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.7%
Low
5yr Growth
+7.5%
Strong

📊 Market Snapshot

Home Value $282,454
Monthly Rent $963
Price-to-Rent 24.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 10.2%

📈 Home Appreciation

1-Year +6.2% ▲
3-Year CAGR +4.9% ▲
5-Year CAGR +7.5% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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
16.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.5%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 32350

Population: 1,452

💰 Median Household Income
$47,946
This area
$47,946
State
$70,737
USA
$74,580
🏠 Renter Occupied
20.0%
This area
20.0%
State
29.9%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-18.0%
USA
3.7%
🎓 College Educated
25.0%
This area
25.0%
State
4.7%
USA
33.7%
👤 Median Age
41.7 years
This area
41.7 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
16.0%
This area
16.0%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 81.1%
Black/African American 15.6%
Other/Mixed 3.3%
👶 Under 18
16.4%
This area
16.4%
USA
22.0%
👴 65 and Over
28.0%
This area
28.0%
USA
17.3%
📊 Poverty Rate
16.1%
This area
16.1%
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 32350

C Avg School Grade
1 Schools
22.2:1 Avg Class Size
$13,102 Avg Per Pupil

Schools in This ZIP Code

C Below Average

PINETTA ELEMENTARY SCHOOL

📚 Pre-K – 06 School
👥
133 Students
👨‍🏫
22.2:1 Class Size
💰
$13,102 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

1 Nearby 297 Off-Campus Students
C+
North Florida College
1,281 students · 9.7 mi

Frequently Asked Questions

How do landlord-tenant laws work in Pinetta, FL?

FL ranks as a landlord-friendly state for landlord-tenant law. Pinetta generally follows the statewide framework, so landlords face reasonable operating rules.

Is Pinetta, FL better for rentals, flips, or BRRRR?

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

Where do rents currently stand in Pinetta, FL?

The typical rental in Pinetta, FL commands about $963/mo monthly. That rent profile steady cash flow against the $282K purchase basis.

Is house hacking profitable in Pinetta, FL?

House hacking in Pinetta, FL is reasonable to execute. Prices around $282K and rents of $963/mo solid owner-occupant economics.

Where do home prices stand in Pinetta, FL?

Pinetta, FL home values average about $282K. That price point suits investors targeting rentals with $963/mo in monthly income.

You know 32350 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 32350 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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