Real Estate Investing in Oxford, Florida (34484)
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Should you buy in 34484 (Oxford, 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 cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- Elevated vacancy: 10.5% vacancy may signal weakening demand.
What’s happening in Oxford, FL (34484)?
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Market Analysis: 34484 Oxford
The 34484 ZIP in Oxford, FL is a local-operator market. Outside capital chasing a $354K entry has to pair deep knowledge with the discount.
The 34484 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Regionally, 34484 sits on the difficult end of the FL spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.
Demographically, 34484 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
seems to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Oxford:
Property Strategy for 34484
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $219,741 | $1,550 | 5.1% | +4.4% | $109,870 |
| 3BR | $344,507 | $1,930 | 4.0% | +6.5% | $114,836 |
| 4BR | $420,631 | $2,260 | 3.9% | +6.9% | $105,158 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 34484 Compare?
| Metric | 34484 | Oxford | The Villages, FL | Florida |
|---|---|---|---|---|
| Home Value | $354,085 | $354,085 | N/A | $374,697 |
| 5-Year CAGR | 4.3% | 4.3% | N/A | 7.4% |
| Avg Rent | $1,828 | $1,828 | 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 34484 (Oxford, FL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $354,085 |
| Monthly Rent | $1,828 |
| Price-to-Rent | 16.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.2% |
| Cap Rate | 4.0% |
| 5-Year IRR | 8.4% |
📈 Home Appreciation
| 1-Year | +0.1% ▲ |
| 3-Year CAGR | -0.1% ▼ |
| 5-Year CAGR | +4.3% ▲ |
| 10-Year CAGR | +5.1% ▲ |
🏠 Rent Trends
| 1-Year | +10.8% ▲ |
| 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 34484
Population: 5,409
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 Oxford, FL?
Oxford, FL median home values land near $354K. That is reasonable territory for investors looking at $1,828/mo-per-month rentals.
Is the tenant base reliable in Oxford, FL?
Tenant quality in Oxford, FL ranks as solid. Landlords generally report steady occupancy at market rents of $1,828/mo.
What is the typical rental rate in Oxford, FL?
Rent in Oxford, FL is around $1,828/mo. The resulting rent-to-value relationship with $354K pricing is reasonable for most investor models.
Is Oxford, FL suited for a house hack?
House hacking works a challenging in Oxford, FL. Rents of $1,828/mo against $354K acquisition make the strategy solid for owner-occupants.
How do landlord-tenant laws work in Oxford, FL?
Landlord-friendliness in Oxford, FL is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
You know 34484 now. You don’t know where it ranks.
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How 34484 ranks in The Villages, FL
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