Real Estate Investing in Earleton, Florida (32631)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 32631 (Earleton, FL)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 8.5% vacancy may signal weakening demand.
- Higher unemployment: 7.1% unemployment — tenant risk signal.
- Lower household income: $38,836 median — tenant affordability is tighter.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Earleton, FL (32631)?
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Market Analysis: 32631 Earleton
The 32631 ZIP covers a section of Earleton that demands careful diligence. Prices near $371K look accessible, but the work to make a deal cash flow is real.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 32631 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
The gap between 32631 and stronger Earleton ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Who lives in 32631 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
The 32631 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Earleton:
Market Trends
Home Value History (with trend line)
📊 How Does 32631 Compare?
| Metric | 32631 | Earleton | Gainesville, FL | Florida |
|---|---|---|---|---|
| Home Value | $371,216 | $371,216 | N/A | $374,697 |
| 5-Year CAGR | 4.1% | 4.1% | N/A | 7.4% |
| Avg Rent | $1,296 | $1,296 | N/A | - |
| Cap Rate | 2.7% | 2.7% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 32631 (Earleton, FL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $371,216 |
| Monthly Rent | $1,296 |
| Price-to-Rent | 23.9:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.2% |
| Cap Rate | 2.7% |
| 5-Year IRR | 6.8% |
📈 Home Appreciation
| 1-Year | +1.1% ▲ |
| 3-Year CAGR | +1.4% ▲ |
| 5-Year CAGR | +4.1% ▲ |
| 10-Year CAGR | +4.9% ▲ |
🏠 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 (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.
Demographics in 32631
Population: 282
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What is the median home value in Earleton, FL?
In Earleton, FL the median home value sits at $371K. Against the broader FL market, that reads as reasonable for most investors.
What is the rental occupancy rate in Earleton, FL?
Earleton, FL sees elevated vacancy, which is reasonable relative to the broader FL rental market.
What kind of tenants rent in Earleton, FL?
Working renters make up the core of the Earleton, FL tenant base. The pool is reasonable for investors targeting long-term holds.
What is it like being a landlord in Earleton, FL?
Earleton, FL falls under FL landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
What do rentals go for in Earleton, FL?
The typical rental in Earleton, FL commands about $1,296/mo monthly. That rent profile stable cash flow against the $371K purchase basis.
You know 32631 now. You don’t know where it ranks.
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