Real Estate Investing in Middleburg, Florida (32068)
Should you buy in 32068 (Middleburg, FL)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in Middleburg, FL (32068)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 32068 Middleburg
The 32068 ZIP in Middleburg, FL is a local-operator market. Outside capital chasing a $328K entry has to pair deep knowledge with the discount.
The investment case in 32068 is durable only for operators who understand what they are buying. A $328K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
The gap between 32068 and stronger Middleburg ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Employment concentration in 32068 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
The right play in 32068 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Middleburg:
Property Strategy for 32068
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $128,592 | $1,390 | 7.8% | +9.6% | $128,592 |
| 2BR | $219,895 | $1,670 | 5.5% | +7.2% | $109,947 |
| 3BR | $293,254 | $2,060 | 5.1% | +7.0% | $97,751 |
| 4BR | $368,964 | $2,580 | 5.0% | +6.9% | $92,241 |
| 5BR | $458,269 | — | — | +7.3% | $91,654 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 32068 Compare?
| Metric | 32068 | Middleburg | Jacksonville, FL | Florida |
|---|---|---|---|---|
| Home Value | $327,916 | $327,916 | N/A | $374,697 |
| 5-Year CAGR | 5.3% | 5.3% | N/A | 7.4% |
| Avg Rent | $1,978 | $1,978 | N/A | - |
| Cap Rate | 4.7% | 4.7% | - | - |
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 32068 (Middleburg, 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
Green River Property Management offers property management services for houses and homes for rent in Jacksonville, Florida. summary from their website
North Florida Property Management provides property management services. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $327,916 |
| Monthly Rent | $1,978 |
| Price-to-Rent | 13.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.2% |
| Cap Rate | 4.7% |
| 5-Year IRR | 10.0% |
📈 Home Appreciation
| 1-Year | -0.6% ▼ |
| 3-Year CAGR | -0.5% ▼ |
| 5-Year CAGR | +5.3% ▲ |
| 10-Year CAGR | +7.0% ▲ |
🏠 Rent Trends
| 1-Year | -0.1% ▼ |
| 3-Year CAGR | +1.6% ▲ |
| 5-Year CAGR | +4.5% ▲ |
The current 30-yr mortgage rate (6.5%) 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.
Demographics in 32068
Population: 58,196
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 32068
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
Frequently Asked Questions
What investment strategy works best in Middleburg, FL?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Middleburg, FL. The numbers - $328K homes against $1,978/mo rents - support that play.
Are renters plentiful in Middleburg, FL?
The renter base in Middleburg, FL is reasonable for the $1,978/mo price point. Screening well and pricing to market typically yields even-keeled tenants.
Does a duplex house hack pencil in Middleburg, FL?
Middleburg, FL offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,978/mo rent level.
Is real estate in Middleburg, FL a good investment right now?
Middleburg, FL sits at an investability rating of 3.0/5, with median home values near $328K and average rents around $1,978/mo. That combination puts it in the sturdy tier for investor interest.
How much does a house cost in Middleburg, FL?
Middleburg, FL home values average about $328K. That price point suits investors targeting rentals with $1,978/mo in monthly income.
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