Real Estate Investing in Zolfo Springs, Florida (33890)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 33890 (Zolfo Springs, 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.
- High vacancy: 22.9% of homes vacant — above national norms.
- Elevated poverty: 23.3% 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 Zolfo Springs, FL (33890)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 33890 Zolfo Springs
ZIP 33890 in Zolfo Springs, FL carries a durable set of headwinds. Home values near $295K and rents of $1,107/mo sit inside a market where underwriting has to be tight.
Distressed markets are won on execution, not on spreadsheets. ZIP 33890 clocks in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Statewide comparisons place 33890 among FL's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
From a cash-flow lens, 4,991 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.
Distressed ZIPs reward experience. notable returns are possible in 33890, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Zolfo Springs:
Property Strategy for 33890
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $207,556 | $1,230 | 4.3% | +10.6% | $103,778 |
| 3BR | $300,266 | $1,670 | 4.0% | +10.6% | $100,089 |
| 4BR | $404,056 | $2,060 | 3.7% | — | $101,014 |
Market Trends
Home Value History (with trend line)
📊 How Does 33890 Compare?
| Metric | 33890 | Zolfo Springs | Wauchula, FL | Florida |
|---|---|---|---|---|
| Home Value | $295,412 | $295,412 | N/A | $374,697 |
| 5-Year CAGR | 7.2% | 7.2% | N/A | 7.4% |
| Avg Rent | $1,107 | $1,107 | N/A | - |
| Cap Rate | 2.9% | 2.9% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 33890 (Zolfo Springs, FL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $295,412 |
| Monthly Rent | $1,107 |
| Price-to-Rent | 22.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.5% |
| Cap Rate | 2.9% |
| 5-Year IRR | 10.1% |
📈 Home Appreciation
| 1-Year | +4.7% ▲ |
| 3-Year CAGR | +4.8% ▲ |
| 5-Year CAGR | +7.2% ▲ |
| 10-Year CAGR | +8.8% ▲ |
🏠 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 (2.9%). 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 33890
Population: 4,991
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 33890
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
Investor Insight: With 883 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How expensive is real estate in Zolfo Springs, FL?
The median home value in Zolfo Springs, FL is roughly $295K. That puts it reasonable relative to the FL statewide average.
What do rentals go for in Zolfo Springs, FL?
Average rent in Zolfo Springs, FL is approximately $1,107/mo per month. Against $295K home values that yields a reasonable rent-to-price ratio.
Are tenants stable in Zolfo Springs, FL?
Working renters make up the core of the Zolfo Springs, FL tenant base. The pool is reasonable for investors targeting long-term holds.
Can I house hack in Zolfo Springs, FL?
Zolfo Springs, FL offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,107/mo rent level.
What type of investing works in Zolfo Springs, FL?
A careful cash-flow rentals with hands-on management strategy Zolfo Springs, FL best. The market produces even-keeled results for that approach at the $295K price point.
You know 33890 now. You don’t know where it ranks.
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