Real Estate Investing in Santa Clara, Utah (84765)

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

Washington County • Population: 7,891 • Data updated: September 2026

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Should you buy in 84765 (Santa Clara, UT)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (44/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 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
1 flag
  • Elevated vacancy: 11.3% vacancy may signal weakening demand.

What’s happening in Santa Clara, UT (84765)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $559,713
Avg Monthly Rent $2,141
1% Rule ✗ Does Not Meet
Median Income $91,625
% Renters 21.5%

Market Analysis: 84765 Santa Clara

ZIP 84765 in Santa Clara, UT carries a impressive set of headwinds. Home values near $560K and rents of $2,141/mo sit inside a market where underwriting has to be tight.

Looking more closely, the numbers look inviting — $560K purchase price, 0.0% nominal cap — the work to hit that pro forma in 84765 is substantial and deserves full respect.

The gap between 84765 and stronger Santa Clara ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Who lives in 84765 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Distressed ZIPs reward experience. robust returns are possible in 84765, but they flow to investors who already understand how to operate in soft markets.

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 Santa Clara:

C Below Average
Buy Confidence Score: 53/100
Affordability
5/25
Appreciation
14/25
Stability
9/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.1× the median income
Value Trend
Stable (+0.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,141/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
St. George, UT Metro Area
More inventory, negotiating room for buyers
80 days
Average time to sell
Slow
7.7%
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 St. George, UT metro data
🏠

Property Strategy for 84765

Which property type performs best in this market?

Best for Cash Flow
4BR
4.2% cap rate
Best for Appreciation
5BR
+8.2% 5yr CAGR
Best Overall Value
4BR
$147,701/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $470,863 $2,740 4.2% +7.3% $156,954
4BR $590,804 $3,470 4.2% +7.4% $147,701
5BR $838,287 +8.2% $167,657

Market Trends

Home Value History (with trend line)

$631K$535K$438K$341K$245K$148KDec 2008Oct 2017Jul 2026

Rent History (with trend line)

$2,326$2,286$2,246$2,207$2,167$2,128Feb 2025Nov 2025Jul 2026

📊 How Does 84765 Compare?

Metric 84765 Santa Clara St. George, UT Utah
Home Value $559,713 $559,713 N/A $530,173
5-Year CAGR 2.5% 2.5% N/A 7.0%
Avg Rent $2,141 $2,141 N/A -
Cap Rate 3.0% 3.0% - -
💡 Why Invest in 84765? 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 84765 (Santa Clara, UT). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.0%
Low
5yr Growth
+2.5%
Slow

📉 Market Crash Risk Index

Based on St. George, UT metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
64%
Days Pending
2/2
80 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $559,713
Monthly Rent $2,141
Price-to-Rent 21.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.6%
Cap Rate 3.0%
5-Year IRR 5.5%

📈 Home Appreciation

1-Year +0.3% ▲
3-Year CAGR +0.2% ▲
5-Year CAGR +2.5% ▲
10-Year CAGR +7.2% ▲

🏠 Rent Trends

1-Year -3.9% ▼
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.0%). 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
11.3%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 84765

Population: 7,891

💰 Median Household Income
$91,625
This area
$91,625
State
$79,091
USA
$74,580
🏠 Renter Occupied
21.5%
This area
21.5%
State
22.7%
USA
34.0%
💼 Unemployment Rate
2.2%
This area
2.2%
State
-24.6%
USA
3.7%
🎓 College Educated
36.6%
This area
36.6%
State
0.8%
USA
33.7%
👤 Median Age
33.7 years
This area
33.7 years
State
-1.6 years
USA
38.9 years
🏚️ Vacancy Rate
11.3%
This area
11.3%
State
19.4%
USA
10.5%
👥 Population by Ethnicity
White 86.6%
Other/Mixed 10.5%
Hispanic/Latino 5.1%
Asian 2.4%
Black/African American 0.5%
👶 Under 18
26.3%
This area
26.3%
USA
22.0%
👴 65 and Over
16.3%
This area
16.3%
USA
17.3%
📊 Poverty Rate
1.1%
This area
1.1%
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 84765

C+ Avg School Grade
3 Schools
20.0:1 Avg Class Size
$9,512 Avg Per Pupil

Schools in This ZIP Code

C+ Average

Arrowhead School

📚 Pre-K – 05 Elementary
👥
519 Students
👨‍🏫
18.2:1 Class Size
💰
$9,512 Per Student
C+ Average

Lava Ridge Intermediate

📚 06 – 07 Middle
👥
757 Students
👨‍🏫
21.8:1 Class Size
💰
$9,512 Per Student
C+ Average

Santa Clara School

📚 Pre-K – 05 Elementary
👥
458 Students
👨‍🏫
19.9:1 Class Size
💰
$9,512 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.

Frequently Asked Questions

How does Santa Clara, UT stack up for property investment?

Santa Clara, UT stands at an investability rating of 3.0/5, with median home values near $560K and average rents around $2,141/mo. That combination puts it in the healthy tier for investor interest.

What kind of vacancy should I budget for in Santa Clara, UT?

Occupancy in Santa Clara, UT runs measured with elevated vacancy. Well-priced units at $2,141/mo lease on reasonable timelines.

How do landlord-tenant laws work in Santa Clara, UT?

UT ranks as a landlord-friendly state for landlord-tenant law. Santa Clara generally follows the statewide framework, so landlords face reasonable operating rules.

Is house hacking profitable in Santa Clara, UT?

House hacking works a challenging in Santa Clara, UT. Rents of $2,141/mo against $560K acquisition make the strategy solid for owner-occupants.

Where do rents currently stand in Santa Clara, UT?

The typical rental in Santa Clara, UT commands about $2,141/mo monthly. That rent profile reliable cash flow against the $560K purchase basis.

You know 84765 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 84765 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 84765 ranks in St. George, UT

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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