Real Estate Investing in Arcadia, Ohio (44804)

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

Hancock County • Population: 1,603 • Data updated: September 2026

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Should you buy in 44804 (Arcadia, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (84/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
CLEAN

No major risk flags on the data we track.

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

What’s happening in Arcadia, OH (44804)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $208,176
Avg Monthly Rent $954
1% Rule ✗ Does Not Meet
Median Income $90,139
% Renters 5.3%

Market Analysis: 44804 Arcadia

The 44804 ZIP in Arcadia, OH is a local-operator market. Outside capital chasing a $208K entry has to pair deep knowledge with the discount.

For an experienced owner, 44804 can be a worth a close look for hunting ground — but the discount at $208K reflects genuine risk that outside investors often underestimate.

The gap between 44804 and stronger Arcadia ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

The demographic picture in 44804 includes headwinds that any investor should price in. Income distribution skews lower than Arcadia averages, and tenant stability requires active management.

The 44804 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 Arcadia:

B Good
Buy Confidence Score: 75/100
Affordability
25/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.3× the median income
Value Trend
Rising (+3.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $954/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Findlay, OH Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
11.2%
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 Findlay, OH metro data

Market Trends

Home Value History (with trend line)

$219K$192K$165K$139K$112K$85KJul 2006Jul 2016Jul 2026

📊 How Does 44804 Compare?

Metric 44804 Arcadia Findlay, OH Ohio
Home Value $208,176 $208,176 N/A $237,530
5-Year CAGR 5.1% 5.1% N/A 7.4%
Avg Rent $954 $954 N/A -
Cap Rate 3.6% 3.6% - -
💡 Why Invest in 44804? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 44804 (Arcadia, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.6%
Low
5yr Growth
+5.1%
Moderate

📉 Market Crash Risk Index

Based on Findlay, OH metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
44%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $208,176
Monthly Rent $954
Price-to-Rent 18.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.5%
Cap Rate 3.6%
5-Year IRR 8.6%

📈 Home Appreciation

1-Year +3.9% ▲
3-Year CAGR +4.6% ▲
5-Year CAGR +5.1% ▲
10-Year CAGR +5.9% ▲

🏠 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
2.3%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.1%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 44804

Population: 1,603

💰 Median Household Income
$90,139
This area
$90,139
State
$68,496
USA
$74,580
🏠 Renter Occupied
5.3%
This area
5.3%
State
25.8%
USA
34.0%
💼 Unemployment Rate
0.4%
This area
0.4%
State
-9.1%
USA
3.7%
🎓 College Educated
30.6%
This area
30.6%
State
8.4%
USA
33.7%
👤 Median Age
34.4 years
This area
34.4 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
2.3%
This area
2.3%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 97.8%
Other/Mixed 1.5%
Black/African American 0.5%
Hispanic/Latino 0.4%
Asian 0.1%
👶 Under 18
38.9%
This area
38.9%
USA
22.0%
👴 65 and Over
14.4%
This area
14.4%
USA
17.3%
📊 Poverty Rate
4.2%
This area
4.2%
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 44804

B Avg School Grade
3 Schools
22.1:1 Avg Class Size
$16,703 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Arcadia High School

📚 09 – 12 High School
👥
231 Students
👨‍🏫
12.0:1 Class Size
💰
$16,703 Per Student
B+ Above Average

Arcadia Elementary School

📚 K – 06 School
👥
311 Students
👨‍🏫
17.4:1 Class Size
💰
$16,703 Per Student
C Below Average

Arcadia Middle School

📚 07 – 08 Middle
👥
74 Students
👨‍🏫
37.0:1 Class Size
💰
$16,703 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

2 Nearby
D
Winebrenner Theological Seminary
125 students · 7.1 mi
C
The University of Findlay
5,057 students · 7.1 mi

Frequently Asked Questions

What kind of vacancy should I budget for in Arcadia, OH?

Occupancy in Arcadia, OH runs reliable with elevated vacancy. Well-priced units at $954/mo lease on reasonable timelines.

What is the tenant pool like in Arcadia, OH?

The tenant pool in Arcadia, OH is solid, supported by local employment and population fundamentals. Rents of $954/mo are well-absorbed by the market.

Which real estate strategy fits Arcadia, OH?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Arcadia, OH. The numbers - $208K homes against $954/mo rents - support that play.

How much does a house cost in Arcadia, OH?

Homes in Arcadia, OH typically sell near $208K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.

Is Arcadia in OH worth investing in?

Our data puts Arcadia, OH at 3.0/5 for investability. Home prices of $208K and rents around $954/mo create a solid backdrop for investor activity.

You know 44804 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 44804 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 44804 ranks in Findlay, OH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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