Real Estate Investing in Arcadia, Florida (34269)

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

De Soto County • Population: 5,111 • Data updated: September 2026

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Should you buy in 34269 (Arcadia, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (45/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

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

⚠️ Risks to Know
1 flag
  • High vacancy: 30.5% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Arcadia, FL (34269)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $277,279
Avg Monthly Rent $1,278
1% Rule ✗ Does Not Meet
Median Income $52,473
% Renters 9.6%

Market Analysis: 34269 Arcadia

ZIP 34269 in Arcadia, FL carries a notable set of headwinds. Home values near $277K and rents of $1,278/mo sit inside a market where underwriting has to be tight.

For an experienced owner, 34269 can be a worth a close look for hunting ground — but the discount at $277K reflects genuine risk that outside investors often underestimate.

Statewide comparisons place 34269 among FL's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 34269 includes headwinds that any investor should price in. Income distribution skews lower than Arcadia averages, and tenant stability requires active management.

Distressed ZIPs reward experience. durable returns are possible in 34269, but they flow to investors who already understand how to operate in soft markets.

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 Below Average
Buy Confidence Score: 58/100
Affordability
10/25
Appreciation
18/25
Stability
9/20
Timing
6/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.3× the median income
Value Trend
Stable (+0.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,278/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
☀️
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 34269

Which property type performs best in this market?

Best for Cash Flow
2BR
5.5% cap rate
Best for Appreciation
4BR
+8.5% 5yr CAGR
Best Overall Value
2BR
$92,226/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $184,452 $1,420 5.5% +7.2% $92,226
3BR $325,828 $1,950 4.3% +6.7% $108,609
4BR $544,271 $2,190 2.9% +8.5% $136,068

Market Trends

Home Value History (with trend line)

$323K$277K$231K$185K$139K$93KJul 2006Jul 2016Jul 2026

📊 How Does 34269 Compare?

Metric 34269 Arcadia Arcadia, FL Florida
Home Value $277,279 $261,680 N/A $374,697
5-Year CAGR 3.9% 4.6% N/A 7.4%
Avg Rent $1,278 $1,439 N/A -
Cap Rate 3.6% 4.3% - -
💡 Why Invest in 34269? 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 34269 (Arcadia, FL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.6%
Low
5yr Growth
+3.9%
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 $277,279
Monthly Rent $1,278
Price-to-Rent 18.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.5%
Cap Rate 3.6%
5-Year IRR 7.5%

📈 Home Appreciation

1-Year +0.2% ▲
3-Year CAGR -2.7% ▼
5-Year CAGR +3.9% ▲
10-Year CAGR +6.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). 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
30.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 34269

Population: 5,111

💰 Median Household Income
$52,473
This area
$52,473
State
$70,737
USA
$74,580
🏠 Renter Occupied
9.6%
This area
9.6%
State
29.9%
USA
34.0%
💼 Unemployment Rate
3.0%
This area
3.0%
State
-18.0%
USA
3.7%
🎓 College Educated
17.7%
This area
17.7%
State
4.7%
USA
33.7%
👤 Median Age
59.7 years
This area
59.7 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
30.5%
This area
30.5%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 87.1%
Other/Mixed 8.3%
Hispanic/Latino 6.8%
Black/African American 4.4%
Asian 0.2%
👶 Under 18
14.2%
This area
14.2%
USA
22.0%
👴 65 and Over
41.8%
This area
41.8%
USA
17.3%
📊 Poverty Rate
5.8%
This area
5.8%
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

🎓 Nearby Colleges & Universities

1 Nearby 127 Off-Campus Students
C+
Charlotte Technical College
310 students · 12.7 mi

Frequently Asked Questions

What real estate strategy is ideal for Arcadia, FL?

For Arcadia, FL, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

Is vacancy a concern in Arcadia, FL?

Expect elevated vacancy in Arcadia, FL. Rents at $1,278/mo are absorbed by the tenant base without meaningful lag.

How strong are rents in Arcadia, FL?

The typical rental in Arcadia, FL commands about $1,278/mo monthly. That rent profile stable cash flow against the $277K purchase basis.

How expensive is real estate in Arcadia, FL?

The median home value in Arcadia, FL is roughly $277K. That puts it reasonable relative to the FL statewide average.

Can I house hack in Arcadia, FL?

Arcadia, FL offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,278/mo rent level.

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