Real Estate Investing in Malone, Florida (32445)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 32445 (Malone, FL)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 15.1% of homes vacant — above national norms.
- Elevated poverty: 25.0% poverty rate — can affect rent collection.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Malone, FL (32445)?
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Market Analysis: 32445 Malone
ZIP 32445 in Malone, FL carries a healthy set of headwinds. Home values near $134K and rents of $873/mo sit inside a market where underwriting has to be tight.
The 32445 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Within FL, ZIP 32445 trails on several market indicators that neighboring Jackson County submarkets outperform. The gap is real and robust enough to shape underwriting.
Demographically, 32445 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
New investors are better served looking at Malone's stable or hybrid ZIPs before stepping into 32445. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Malone:
Market Trends
Home Value History (with trend line)
📊 How Does 32445 Compare?
| Metric | 32445 | Malone | Florida |
|---|---|---|---|
| Home Value | $134,301 | $134,301 | $374,697 |
| 5-Year CAGR | 2.0% | 2.0% | 7.4% |
| Avg Rent | $873 | $873 | - |
| Cap Rate | 5.1% | 5.1% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 32445 (Malone, FL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $134,301 |
| Monthly Rent | $873 |
| Price-to-Rent | 12.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.8% |
| Cap Rate | 5.1% |
| 5-Year IRR | 7.0% |
📈 Home Appreciation
| 1-Year | -2.1% ▼ |
| 3-Year CAGR | -1.0% ▼ |
| 5-Year CAGR | +2.0% ▲ |
| 10-Year CAGR | +5.6% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.1%). 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.
Demographics in 32445
Population: 2,550
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 32445
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.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
How strong is Malone, FL for real estate investors?
Investors tracking Malone, FL will find a 3.0/5 rating supported by $134K median home values and $873/mo rents. That profile suits long-term holders targeting measured returns.
How high is vacancy risk in Malone, FL?
Malone, FL sees elevated vacancy, which is reasonable relative to the broader FL rental market.
What is the smart move for investors in Malone, FL?
Investors usually favor careful cash-flow rentals with hands-on management in Malone, FL. With home values at $134K and rents near $873/mo, other strategies can work but produce stable rather than outsized returns.
Is Malone, FL a good market for FHA house hackers?
The house hack math a challenging in Malone, FL. Owner-occupant buyers benefit from the $873/mo rents and $134K home values.
Is the tenant base reliable in Malone, FL?
Tenant quality in Malone, FL ranks as solid. Landlords generally report measured occupancy at market rents of $873/mo.
You know 32445 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 32445 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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Community Ratings
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