Real Estate Investing in Saint Florian, Alabama (35634)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 35634 (Saint Florian, AL)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 16.1% 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 Saint Florian, AL (35634)?
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Market Analysis: 35634 Saint Florian
Investors eyeing 35634 need to respect the fundamentals at play. Home values of $291K come alongside slower price movement and elevated management overhead.
Distressed markets are won on execution, not on spreadsheets. ZIP 35634 sits at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
ZIP 35634's metrics run below Lauderdale County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The demographic picture in 35634 includes headwinds that any investor should price in. Income distribution skews lower than Saint Florian averages, and tenant stability requires active management.
New investors are better served looking at Saint Florian's stable or hybrid ZIPs before stepping into 35634. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Saint Florian:
Property Strategy for 35634
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $258,368 | $1,350 | 3.8% | +8.4% | $86,123 |
| 4BR | $429,477 | $1,540 | 2.6% | +8.1% | $107,369 |
| 5BR | $622,783 | — | — | +7.7% | $124,557 |
Market Trends
Home Value History (with trend line)
📊 How Does 35634 Compare?
| Metric | 35634 | Saint Florian | Florence-Muscle Shoals, AL | Alabama |
|---|---|---|---|---|
| Home Value | $291,004 | $291,004 | N/A | $231,003 |
| 5-Year CAGR | 5.6% | 5.6% | N/A | 5.6% |
| Avg Rent | $981 | $981 | N/A | - |
| Cap Rate | 2.6% | 2.6% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 35634 (Saint Florian, AL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $291,004 |
| Monthly Rent | $981 |
| Price-to-Rent | 24.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.1% |
| Cap Rate | 2.6% |
| 5-Year IRR | 8.3% |
📈 Home Appreciation
| 1-Year | +8.0% ▲ |
| 3-Year CAGR | +3.7% ▲ |
| 5-Year CAGR | +5.6% ▲ |
| 10-Year CAGR | +5.8% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.6%). 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.
Demographics in 35634
Population: 10,009
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 35634
Schools in This ZIP Code
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
Investor Insight: With 1,222 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What are rental rates like in Saint Florian, AL?
Expect rents around $981/mo per month in Saint Florian, AL. With home values at $291K, the yield math works out to reasonable levels for rental investors.
Are renters plentiful in Saint Florian, AL?
The renter base in Saint Florian, AL is reasonable for the $981/mo price point. Screening well and pricing to market typically yields measured tenants.
What is the investability score for Saint Florian, AL?
Saint Florian, AL rates 3.0/5 for investability. With median values at $291K and rents near $981/mo, the market offers reasonable fundamentals for rental investors.
What kind of vacancy should I budget for in Saint Florian, AL?
Vacancy risk in Saint Florian, AL is elevated. That supports predictable cash flow for typical rental holds.
Can owner-occupants cash flow in Saint Florian, AL?
The a challenging house-hack environment in Saint Florian, AL reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
You know 35634 now. You don’t know where it ranks.
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How 35634 ranks in Florence-Muscle Shoals, AL
Every ZIP in this metro, ranked. Free.
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