Real Estate Investing in Holt, Florida (32564)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 32564 (Holt, FL)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Holt, FL (32564)?
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Market Analysis: 32564 Holt
ZIP 32564 in Holt, FL carries a healthy set of headwinds. Home values near $273K and rents of $1,395/mo sit inside a market where underwriting has to be tight.
For an experienced owner, 32564 can be a a solid fit for hunting ground — but the discount at $273K reflects genuine risk that outside investors often underestimate.
Looking more closely, 32564 offers a low basis, the region around Holt has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Resident income in 32564 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Strategically, 32564 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Holt:
Property Strategy for 32564
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $166,392 | $1,550 | 6.7% | +4.8% | $83,196 |
| 3BR | $259,371 | $2,090 | 5.8% | +5.7% | $86,457 |
| 4BR | $410,246 | $2,540 | 4.5% | +7.0% | $102,562 |
Market Trends
Home Value History (with trend line)
📊 How Does 32564 Compare?
| Metric | 32564 | Holt | Crestview-Fort Walton Beach-Destin, FL | Florida |
|---|---|---|---|---|
| Home Value | $272,997 | $272,997 | N/A | $374,697 |
| 5-Year CAGR | 4.3% | 4.3% | N/A | 7.4% |
| Avg Rent | $1,395 | $1,395 | N/A | - |
| Cap Rate | 4.0% | 4.0% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 32564 (Holt, FL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $272,997 |
| Monthly Rent | $1,395 |
| Price-to-Rent | 16.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.1% |
| Cap Rate | 4.0% |
| 5-Year IRR | 8.3% |
📈 Home Appreciation
| 1-Year | +6.0% ▲ |
| 3-Year CAGR | +1.6% ▲ |
| 5-Year CAGR | +4.3% ▲ |
| 10-Year CAGR | +7.9% ▲ |
🏠 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 (4.0%). 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 32564
Population: 1,958
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
Frequently Asked Questions
What is the investability score for Holt, FL?
Holt, FL records an investability rating of 3.0/5, with median home values near $273K and average rents around $1,395/mo. That combination puts it in the robust tier for investor interest.
What is the best play in Holt, FL?
For Holt, FL, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
What kind of tenants rent in Holt, FL?
Tenant quality in Holt, FL ranks as solid. Landlords generally report reliable occupancy at market rents of $1,395/mo.
Does Holt, FL favor landlords or tenants?
Rental owners in Holt, FL deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
Should investors worry about vacancy in Holt, FL?
Vacancy in Holt, FL is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,395/mo.
You know 32564 now. You don’t know where it ranks.
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How 32564 ranks in Crestview-Fort Walton Beach-Destin, FL
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