Real Estate Investing in Arcadia, Florida (34266)

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

De Soto County • Population: 29,065 • Data updated: September 2026

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Should you buy in 34266 (Arcadia, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

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

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 17.9% of homes vacant — above national norms.
  • Elevated poverty: 22.3% poverty rate — can affect rent collection.

What’s happening in Arcadia, FL (34266)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $246,082
Avg Monthly Rent $1,600
1% Rule ✗ Does Not Meet
Median Income $41,328
% Renters 33.5%

Market Analysis: 34266 Arcadia

ZIP 34266 in Arcadia, FL carries a substantial set of headwinds. Home values near $246K and rents of $1,600/mo sit inside a market where underwriting has to be tight.

On balance, the numbers look inviting — $246K purchase price, 0.0% nominal cap — the work to hit that pro forma in 34266 is substantial and deserves full respect.

From a cash-flow lens, 34266 offers a low basis, the region around Arcadia has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The demographic picture in 34266 includes headwinds that any investor should price in. Income distribution skews lower than Arcadia averages, and tenant stability requires active management.

Strategically, 34266 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.

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 Arcadia:

C+ Average
Buy Confidence Score: 66/100
Affordability
10/25
Appreciation
22/25
Stability
13/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6× the median income
Value Trend
Stable (+2.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,600/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Arcadia, FL Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Arcadia, FL metro data
🏠

Property Strategy for 34266

Which property type performs best in this market?

Best for Cash Flow
2BR
6.0% cap rate
Best for Appreciation
4BR
+8.6% 5yr CAGR
Best Overall Value
4BR
$80,685/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $178,558 $1,490 6.0% +8.1% $89,279
3BR $252,578 $1,980 5.6% +8.5% $84,193
4BR $322,738 $2,360 5.3% +8.6% $80,685

Market Trends

Home Value History (with trend line)

$267K$225K$183K$142K$100K$58KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

No data available

📊 How Does 34266 Compare?

Metric 34266 Arcadia Arcadia, FL Florida
Home Value $246,082 $261,680 N/A $374,697
5-Year CAGR 5.4% 4.6% N/A 7.4%
Avg Rent $1,600 $1,439 N/A -
Cap Rate 5.1% 4.3% - -
💡 Why Invest in 34266? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 34266 (Arcadia, FL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.1%
Fair
5yr Growth
+5.4%
Moderate

📉 Market Crash Risk Index

Based on Arcadia, FL metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $246,082
Monthly Rent $1,600
Price-to-Rent 12.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.8%
Cap Rate 5.1%
5-Year IRR 10.5%

📈 Home Appreciation

1-Year +2.0% ▲
3-Year CAGR -0.1% ▼
5-Year CAGR +5.4% ▲
10-Year CAGR +9.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

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.

Vacancy
17.9%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 34266

Population: 29,065

💰 Median Household Income
$41,328
This area
$41,328
State
$70,737
USA
$74,580
🏠 Renter Occupied
33.5%
This area
33.5%
State
29.9%
USA
34.0%
💼 Unemployment Rate
5.1%
This area
5.1%
State
-18.0%
USA
3.7%
🎓 College Educated
10.2%
This area
10.2%
State
4.7%
USA
33.7%
👤 Median Age
39.0 years
This area
39.0 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
17.9%
This area
17.9%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 70.7%
Other/Mixed 16.6%
Hispanic/Latino 14.9%
Black/African American 12.5%
Asian 0.2%
👶 Under 18
19.0%
This area
19.0%
USA
22.0%
👴 65 and Over
18.5%
This area
18.5%
USA
17.3%
📊 Poverty Rate
22.3%
This area
22.3%
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 34266

C+ Avg School Grade
9 Schools
18.9:1 Avg Class Size
$12,825 Avg Per Pupil

Schools in This ZIP Code

B Good

WEST ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
684 Students
👨‍🏫
17.5:1 Class Size
💰
$12,825 Per Student
C+ Average

MEMORIAL ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
820 Students
👨‍🏫
19.5:1 Class Size
💰
$12,825 Per Student
C+ Average

DESOTO COUNTY HIGH SCHOOL

📚 09 – 12 High School
👥
1,259 Students
👨‍🏫
18.1:1 Class Size
💰
$12,825 Per Student
C+ Average

DESOTO MIDDLE SCHOOL

📚 06 – 08 Middle
👥
1,011 Students
👨‍🏫
20.2:1 Class Size
💰
$12,825 Per Student
C+ Average

TEEN PARENT PK CHILD CARE PROGRAM

📚 Grade PK Elementary Limited Data
💰
$12,825 Per Student
C Below Average

DESOTO VIRTUAL ACADEMY

📚 K – 12 K-12 Limited Data
👥
6 Students
💰
$12,825 Per Student
C Below Average

DESOTO VIRTUAL FRANCHISE

📚 K – 12 K-12 Limited Data
👥
10 Students
💰
$12,825 Per Student
C Below Average

DESOTO SECONDARY SCHOOL

📚 K – 12 K-12
👥
68 Students
💰
$12,825 Per Student
D Needs Improvement

REDUCED SERVICES

📚 K – 12 K-12 Limited Data
👥
12 Students
💰
$12,825 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.

Frequently Asked Questions

What is the smart move for investors in Arcadia, FL?

Most investors in Arcadia, FL run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

How much is rent in Arcadia, FL?

Rents in Arcadia, FL run near $1,600/mo. Compared with median home prices of $246K that produces solid gross yields for typical rentals.

What kind of vacancy should I budget for in Arcadia, FL?

Arcadia, FL vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

Is rental property easy to operate in Arcadia, FL?

Landlord-friendliness in Arcadia, FL is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

How strong is tenant demand in Arcadia, FL?

Working renters make up the core of the Arcadia, FL tenant base. The pool is reasonable for investors targeting long-term holds.

You know 34266 now. You don’t know where it ranks.

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