Real Estate Investing in Holiday, Florida (34691)

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

Pasco County • Population: 20,072 • Data updated: September 2026

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Should you buy in 34691 (Holiday, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (59/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
1 flag
  • High vacancy: 25.7% of homes vacant — above national norms.

What’s happening in Holiday, FL (34691)?

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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 $225,395
Avg Monthly Rent $1,725
1% Rule ✗ Does Not Meet
Median Income $45,110
% Renters 36.9%

Market Analysis: 34691 Holiday

Investors eyeing 34691 need to respect the fundamentals at play. Home values of $225K come alongside slower price movement and elevated management overhead.

Rent of $1,725/mo on a $225K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 34691 sits below the stated 0.0% once reality is priced in.

In the broader FL picture, 34691 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 34691 includes headwinds that any investor should price in. Income distribution skews lower than Holiday averages, and tenant stability requires active management.

The 34691 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.

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 Holiday:

B Good
Buy Confidence Score: 70/100
Affordability
10/25
Appreciation
22/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 5× the median income
Value Trend
Declining (-0.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,725/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Tampa-St. Petersburg-Clearwater, FL Metro Area
More inventory, negotiating room for buyers
71 days
Average time to sell
Slow
10.4%
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 Tampa-St. Petersburg-Clearwater, FL metro data
🏠

Property Strategy for 34691

Which property type performs best in this market?

Best for Cash Flow
2BR
6.5% cap rate
Best for Appreciation
2BR
+10.0% 5yr CAGR
Best Overall Value
3BR
$87,704/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $201,318 $1,820 6.5% +10.0% $100,659
3BR $263,112 $2,330 6.4% +8.8% $87,704
4BR $413,404 $2,830 4.9% +7.9% $103,351
5BR $520,501 +8.1% $104,100

Market Trends

Home Value History (with trend line)

$267K$222K$176K$130K$85K$39KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,853$1,641$1,428$1,215$1,003$790Jul 2016Jul 2021Jul 2026

📊 How Does 34691 Compare?

Metric 34691 Holiday Tampa-St. Petersburg-Clearwater, FL Florida
Home Value $225,395 $222,621 N/A $374,697
5-Year CAGR 5.2% 5.0% N/A 7.4%
Avg Rent $1,725 $1,709 N/A -
Cap Rate 6.0% 6.0% - -
💡 Why Invest in 34691? Click to expand

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

A healthy rental market with 37% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 34691 (Holiday, FL). Anonymous, moderated, never written by AI.

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Property managers serving Pasco County

Manage rentals here? List your business →

Dennis Property Management offers rental agency and management services in the Tampa Bay area, including multi-family management, investor packages, and resources for homeowners and tenants. summary from their website

Small multifamily
Unclaimed — is this your business? Claim it free

Jerome Property Management LLC offers property management services. summary from their website

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Paragon Property Services, LLC offers full-service home inspection services in Central Florida, including Lake, Sumter, Seminole, Orange, Osceola, Polk, Pasco, Hernando, Hillsborough, Volusia, and Cit summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
6.0%
Fair
5yr Growth
+5.2%
Moderate

📊 Market Snapshot

Home Value $225,395
Monthly Rent $1,725
Price-to-Rent 10.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 9.2%
Cap Rate 6.0%
5-Year IRR 11.1%

📈 Home Appreciation

1-Year -0.5% ▼
3-Year CAGR -2.5% ▼
5-Year CAGR +5.2% ▲
10-Year CAGR +10.7% ▲

🏠 Rent Trends

1-Year +1.9% ▲
3-Year CAGR +2.5% ▲
5-Year CAGR +6.4% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 6.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (6.0%). 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.

Vacancy
25.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.2%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 34691

Population: 20,072

💰 Median Household Income
$45,110
This area
$45,110
State
$70,737
USA
$74,580
🏠 Renter Occupied
36.9%
This area
36.9%
State
29.9%
USA
34.0%
💼 Unemployment Rate
4.2%
This area
4.2%
State
-18.0%
USA
3.7%
🎓 College Educated
14.5%
This area
14.5%
State
4.7%
USA
33.7%
👤 Median Age
44.0 years
This area
44.0 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
25.7%
This area
25.7%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 78.2%
Other/Mixed 12.4%
Hispanic/Latino 10.0%
Black/African American 7.8%
Asian 1.5%
👶 Under 18
20.0%
This area
20.0%
USA
22.0%
👴 65 and Over
21.1%
This area
21.1%
USA
17.3%
📊 Poverty Rate
14.6%
This area
14.6%
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 34691

B Avg School Grade
4 Schools
17.4:1 Avg Class Size
$11,709 Avg Per Pupil

Schools in This ZIP Code

B Good

GULF TRACE ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
694 Students
👨‍🏫
16.0:1 Class Size
💰
$11,709 Per Student
B Good

GULFSIDE ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
419 Students
👨‍🏫
15.8:1 Class Size
💰
$11,709 Per Student
B Good

PAUL R. SMITH MIDDLE SCHOOL

📚 06 – 08 Middle
👥
864 Students
👨‍🏫
17.4:1 Class Size
💰
$11,709 Per Student
C+ Average

ANCLOTE HIGH SCHOOL

📚 09 – 12 High School
👥
1,202 Students
👨‍🏫
20.5:1 Class Size
💰
$11,709 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

B+ Above Average

TARPON SPRINGS ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 555 PINE ST, TARPON SPRINGS
👥
472 Students
👨‍🏫
13.9:1 Class Size
💰
$13,882 Per Student
B+ Above Average

TARPON SPRINGS FUNDAMENTAL ELE

📚 K – 05 Elementary
📍 400 E HARRISON ST, TARPON SPRINGS
👥
272 Students
👨‍🏫
14.3:1 Class Size
💰
$13,882 Per Student
B Good

SUNRAY ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 4815 SUNRAY DR, HOLIDAY
👥
431 Students
👨‍🏫
15.4:1 Class Size
💰
$11,709 Per Student
B Good

SUNSET HILLS ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
📍 1347 GULF RD, TARPON SPRINGS
👥
444 Students
👨‍🏫
15.3:1 Class Size
💰
$13,882 Per Student
B Good

TARPON SPRINGS MIDDLE SCHOOL

📚 06 – 08 Middle
📍 501 N FLORIDA AVE, TARPON SPRINGS
👥
626 Students
👨‍🏫
17.9:1 Class Size
💰
$13,882 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.

🎓 Nearby Colleges & Universities

5 Nearby 3,108 Off-Campus Students
C
Bene's Career Academy
288 students · 5.3 mi
D
Trinity College of Florida
189 students · 5.3 mi
C+
Fred K Marchman Technical College
561 students · 7.2 mi
C+
Pasco-Hernando State College
9,449 students · 9.3 mi
C
Paul Mitchell the School-Tampa
136 students · 14.4 mi

Investor Insight: With 3,108 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is rental property easy to operate in Holiday, FL?

The landlord environment in Holiday, FL is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

Is Holiday, FL a good market for buy-and-hold investors?

Investors tracking Holiday, FL will find a 3.0/5 rating supported by $225K median home values and $1,725/mo rents. That profile suits long-term holders targeting stable returns.

How strong is tenant demand in Holiday, FL?

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

What is the typical rental rate in Holiday, FL?

The typical rental in Holiday, FL commands about $1,725/mo monthly. That rent profile even-keeled cash flow against the $225K purchase basis.

What are home prices like in Holiday, FL?

The median home value in Holiday, FL is roughly $225K. That puts it reasonable relative to the FL statewide average.

You know 34691 now. You don’t know where it ranks.

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How 34691 ranks in Tampa-St. Petersburg-Clearwater, FL

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Cash Flow → Appreciation → Affordable →
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