Real Estate Investing in Campbell, Florida (34746)

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

Osceola County • Population: 57,181 • Data updated: September 2026

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Should you buy in 34746 (Campbell, 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 cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 33.0% of homes vacant — above national norms.

What’s happening in Campbell, FL (34746)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $360,381
Avg Monthly Rent $2,159
1% Rule ✗ Does Not Meet
Median Income $65,167
% Renters 27.6%

Market Analysis: 34746 Campbell

The 34746 ZIP in Campbell, FL is a local-operator market. Outside capital chasing a $360K entry has to pair deep knowledge with the discount.

The investment case in 34746 is substantial only for operators who understand what they are buying. A $360K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

The gap between 34746 and stronger Campbell ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Demographically, 34746 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.

Strategy in 34746 is an operator game, not a passive one. From an investor standpoint, entry prices of $360K are inviting, the management lift is real and non-optional.

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 Campbell:

C+ Average
Buy Confidence Score: 67/100
Affordability
10/25
Appreciation
18/25
Stability
14/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.5× the median income
Value Trend
Declining (-2.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,159/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
Orlando-Kissimmee-Sanford, FL Metro Area
More inventory, negotiating room for buyers
71 days
Average time to sell
Slow
9.3%
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 Orlando-Kissimmee-Sanford, FL metro data
🏠

Property Strategy for 34746

Which property type performs best in this market?

Best for Cash Flow
1BR
10.3% cap rate
Best for Appreciation
5BR
+7.5% 5yr CAGR
Best Overall Value
4BR
$98,572/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $130,192 $1,870 10.3% +6.4% $130,192
2BR $273,885 $2,130 5.6% +6.9% $136,943
3BR $325,647 $2,670 5.9% +7.4% $108,549
4BR $394,288 $3,160 5.8% +7.1% $98,572
5BR $554,305 +7.5% $110,861

Market Trends

Home Value History (with trend line)

$421K$357K$293K$230K$166K$102KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,367$2,154$1,942$1,730$1,518$1,306Jul 2016Jul 2021Jul 2026

📊 How Does 34746 Compare?

Metric 34746 Campbell Orlando-Kissimmee-Sanford, FL Florida
Home Value $360,381 $360,381 N/A $374,697
5-Year CAGR 4.1% 4.1% N/A 7.4%
Avg Rent $2,159 $2,159 N/A -
Cap Rate 4.7% 4.7% - -
💡 Why Invest in 34746? 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 →
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 34746 (Campbell, FL). Anonymous, moderated, never written by AI.

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Property managers serving Osceola County

Manage rentals here? List your business →

Towers Property Management provides community association management services to homeowners associations and condominium associations in Central Florida, including Orlando, Altamonte Springs, Oviedo, summary from their website

HOA
Unclaimed — is this your business? Claim it free

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

Unclaimed — is this your business? Claim it free

Park Avenue Property Management provides property management services in Orlando and Central Florida. summary from their website

Unclaimed — is this your business? Claim it free

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
4.7%
Fair
5yr Growth
+4.1%
Moderate

📊 Market Snapshot

Home Value $360,381
Monthly Rent $2,159
Price-to-Rent 13.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.2%
Cap Rate 4.7%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year -2.6% ▼
3-Year CAGR -2.8% ▼
5-Year CAGR +4.1% ▲
10-Year CAGR +6.2% ▲

🏠 Rent Trends

1-Year -1.4% ▼
3-Year CAGR -0.3% ▼
5-Year CAGR +3.1% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 4.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.7%). 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
33.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.1%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 34746

Population: 57,181

💰 Median Household Income
$65,167
This area
$65,167
State
$70,737
USA
$74,580
🏠 Renter Occupied
27.6%
This area
27.6%
State
29.9%
USA
34.0%
💼 Unemployment Rate
3.1%
This area
3.1%
State
-18.0%
USA
3.7%
🎓 College Educated
29.1%
This area
29.1%
State
4.7%
USA
33.7%
👤 Median Age
38.1 years
This area
38.1 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
33.0%
This area
33.0%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 52.9%
Other/Mixed 29.7%
Hispanic/Latino 27.8%
Black/African American 14.2%
Asian 3.1%
👶 Under 18
24.0%
This area
24.0%
USA
22.0%
👴 65 and Over
14.7%
This area
14.7%
USA
17.3%
📊 Poverty Rate
11.3%
This area
11.3%
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 34746

C Avg School Grade
6 Schools
22.4:1 Avg Class Size
$10,796 Avg Per Pupil

Schools in This ZIP Code

C+ Average

SUNRISE ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
971 Students
👨‍🏫
15.8:1 Class Size
💰
$10,796 Per Student
C+ Average

HORIZON MIDDLE SCHOOL

📚 06 – 08 Middle
👥
1,145 Students
👨‍🏫
17.9:1 Class Size
💰
$10,796 Per Student
C+ Average

BELLALAGO CHARTER ACADEMY

📚 Pre-K – 08 School Charter
👥
1,157 Students
👨‍🏫
17.9:1 Class Size
💰
$10,796 Per Student
C Below Average

LIBERTY HIGH SCHOOL

📚 09 – 12 High School
👥
1,520 Students
👨‍🏫
20.1:1 Class Size
💰
$10,796 Per Student
C Below Average

MATER BRIGHTON LAKES

📚 K – 08 School Charter
👥
1,316 Students
👨‍🏫
21.9:1 Class Size
💰
$10,796 Per Student
D Needs Improvement

MATER BRIGHTON LAKES ACADEMY PREPARATORY HIGH

📚 06 – 12 High School Charter
👥
530 Students
👨‍🏫
40.8:1 Class Size
💰
$10,796 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

6 Nearby 188 Off-Campus Students
C+
Academy of Career Training
24 students · 4.4 mi
C
Johnson University Florida
136 students · 6.4 mi
C
Osceola Technical College
752 students · 6.8 mi
C
Universal Technical Institute-Auto Motorcycle & Marine Mechanics Institute Division-Orlando
866 students · 12.5 mi
D
Southern Technical College
1,686 students · 14.5 mi
D
DeVry University-Florida
196 students · 14.8 mi

Frequently Asked Questions

Is Campbell in FL worth investing in?

Investors tracking Campbell, FL will find a 3.0/5 rating supported by $360K median home values and $2,159/mo rents. That profile suits long-term holders targeting steady returns.

Is the tenant base reliable in Campbell, FL?

The renter base in Campbell, FL is reasonable for the $2,159/mo price point. Screening well and pricing to market typically yields stable tenants.

What type of investing works in Campbell, FL?

A careful cash-flow rentals with hands-on management strategy Campbell, FL best. The market produces consistent results for that approach at the $360K price point.

Should investors worry about vacancy in Campbell, FL?

Campbell, FL sees elevated vacancy, which is reasonable relative to the broader FL rental market.

Can I house hack in Campbell, FL?

Campbell, FL is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $360K price point reasonable to enter.

You know 34746 now. You don’t know where it ranks.

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How 34746 ranks in Orlando-Kissimmee-Sanford, FL

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Cash Flow → Appreciation → Affordable →
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