Real Estate Investing in Orange Park, Florida (32065)

Clay County • Population: 40,366 • Data updated: June 2026

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Should you buy in 32065 (Orange Park, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (75/100)

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

📈 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
CLEAN

No major risk flags on the data we track.

What’s happening in Orange Park, FL (32065)?

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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 $327,007
Avg Monthly Rent $1,891
1% Rule ✗ Does Not Meet
Median Income $91,770
% Renters 23.6%

Market Analysis: 32065 Orange Park

Investors eyeing 32065 need to respect the fundamentals at play. Home values of $327K come alongside slower price movement and elevated management overhead.

For an experienced owner, 32065 can be a an appealing option for hunting ground — but the discount at $327K reflects genuine risk that outside investors often underestimate.

On the rental side, 32065 offers a low basis, the region around Orange Park has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

The 32065 ZIP's population of 40,366 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.

The right play in 32065 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.49% as of Jun 25 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Orange Park:

B Good
Buy Confidence Score: 75/100
Affordability
15/25
Appreciation
22/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.6× the median income
Value Trend
Declining (-1.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,891/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
Jacksonville, FL Metro Area
More inventory, negotiating room for buyers
79 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 June 20, 2026 — updated weekly from Jacksonville, FL metro data
🏠

Property Strategy for 32065

Which property type performs best in this market?

Best for Cash Flow
2BR
7.5% cap rate
Best for Appreciation
5BR
+6.9% 5yr CAGR
Best Overall Value
4BR
$91,056/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $184,305 $1,930 7.5% +6.5% $92,153
3BR $275,663 $2,380 6.2% +6.3% $91,888
4BR $364,224 $2,980 5.9% +6.5% $91,056
5BR $485,977 +6.9% $97,195

Market Trends

Home Value History (with trend line)

$368K$316K$265K$214K$162K$111KMay 2006May 2016May 2026

Rent History (with trend line)

$2,021$1,841$1,662$1,483$1,304$1,125May 2016May 2021May 2026

📊 How Does 32065 Compare?

Metric 32065 Orange Park Jacksonville, FL Florida
Home Value $327,007 $313,740 N/A $374,697
5-Year CAGR 5.1% 5.2% N/A 7.4%
Avg Rent $1,891 $1,719 N/A -
Cap Rate 4.5% 4.3% - -
💡 Why Invest in 32065? 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 32065 (Orange Park, FL). Anonymous, moderated, never written by AI.

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Property managers serving Clay County

Manage rentals here? List your business →

Freedom Community Management provides community management services. summary from their website

HOA
Unclaimed — is this your business? Claim it free

Green River Property Management offers property management services for houses and homes for rent in Jacksonville, Florida. summary from their website

Unclaimed — is this your business? Claim it free
North Florida Property Mgmt
Green Cove Springs, FL

North Florida Property Management provides property management services. 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
4.5%
Fair
5yr Growth
+5.1%
Moderate

📉 Market Crash Risk Index

Based on Jacksonville, FL metro

4/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
71%
Days Pending
2/2
79 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $327,007
Monthly Rent $1,891
Price-to-Rent 14.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.9%
Cap Rate 4.5%
5-Year IRR 9.6%

📈 Home Appreciation

1-Year -1.2% ▼
3-Year CAGR -1.2% ▼
5-Year CAGR +5.1% ▲
10-Year CAGR +6.5% ▲

🏠 Rent Trends

1-Year -2.3% ▼
3-Year CAGR +0.8% ▲
5-Year CAGR +3.5% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.5%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (4.5%). 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
5.5%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.1%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 32065

Population: 40,366

💰 Median Household Income
$91,770
This area
$91,770
State
$70,737
USA
$74,580
🏠 Renter Occupied
23.6%
This area
23.6%
State
29.9%
USA
34.0%
💼 Unemployment Rate
3.1%
This area
3.1%
State
-18.0%
USA
3.7%
🎓 College Educated
27.9%
This area
27.9%
State
4.7%
USA
33.7%
👤 Median Age
35.7 years
This area
35.7 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
5.5%
This area
5.5%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 56.1%
Black/African American 20.9%
Other/Mixed 16.5%
Hispanic/Latino 11.6%
Asian 6.5%
👶 Under 18
27.3%
This area
27.3%
USA
22.0%
👴 65 and Over
12.4%
This area
12.4%
USA
17.3%
📊 Poverty Rate
8.6%
This area
8.6%
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 32065

C+ Avg School Grade
8 Schools
20.1:1 Avg Class Size
$10,722 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

RIDGEVIEW ELEMENTARY SCHOOL

📚 Pre-K – 06 School
👥
581 Students
👨‍🏫
11.1:1 Class Size
💰
$10,722 Per Student
B Good

PLANTATION OAKS ELEMENTARY SCHOOL

📚 Pre-K – 06 School
👥
959 Students
👨‍🏫
15.0:1 Class Size
💰
$10,722 Per Student
C+ Average

OAKLEAF VILLAGE ELEMENTARY SCHOOL

📚 Pre-K – 06 School
👥
1,055 Students
👨‍🏫
14.9:1 Class Size
💰
$10,722 Per Student
C+ Average

DISCOVERY OAKS ELEMENTARY

📚 Pre-K – 06 School
👥
939 Students
👨‍🏫
16.5:1 Class Size
💰
$10,722 Per Student
C+ Average

OAKLEAF JUNIOR HIGH

📚 06 – 08 Middle
👥
993 Students
👨‍🏫
16.2:1 Class Size
💰
$10,722 Per Student
C+ Average

RIDGEVIEW HIGH SCHOOL

📚 09 – 12 High School
👥
1,782 Students
👨‍🏫
17.9:1 Class Size
💰
$10,722 Per Student
C Below Average

OAKLEAF HIGH SCHOOL

📚 09 – 12 High School
👥
2,364 Students
👨‍🏫
20.3:1 Class Size
💰
$10,722 Per Student
D Needs Improvement

PACE CENTER FOR GIRLS CLAY

📚 06 – 12 High School
👥
49 Students
👨‍🏫
49.0:1 Class Size
💰
$10,722 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
C
American Academy of Cosmetology
96 students · 2.5 mi
F
Fortis College-Orange Park
327 students · 3.5 mi
D
Florida Career College-Jacksonville
173 students · 4.8 mi
C
Trinity Baptist College
397 students · 10.8 mi
C+
Trendsetters School of Beauty & Barbering
26 students · 11.5 mi
C
Parisian Spa Institute
198 students · 13.7 mi

Frequently Asked Questions

How does Orange Park, FL rate as a rental market?

Orange Park, FL scores 3.0/5 for investability. Home values sit at $327K and rents near $1,891/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How much do tenants pay in Orange Park, FL?

Expect rents around $1,891/mo per month in Orange Park, FL. With home values at $327K, the yield math works out to reasonable levels for rental investors.

Is vacancy a concern in Orange Park, FL?

Rental vacancy in Orange Park, FL is elevated. Investors should budget normal turnover but not chronic empty units.

What kind of tenants rent in Orange Park, FL?

Tenant quality in Orange Park, FL ranks as solid. Landlords generally report even-keeled occupancy at market rents of $1,891/mo.

How strict are landlord regulations in Orange Park, FL?

Rental owners in Orange Park, FL deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

See what 32065 really looks like for investors

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