Real Estate Investing in Campbellton, Florida (32426)
Should you buy in 32426 (Campbellton, FL)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 24.6% of homes vacant — above national norms.
- Lower household income: $37,396 median — tenant affordability is tighter.
What’s happening in Campbellton, FL (32426)?
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Market Analysis: 32426 Campbellton
Not every below-median market is a bargain. Campbellton's 32426 ZIP reports signals that favor experienced operators who can absorb the risk $141K pricing implies.
The 32426 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Regionally, 32426 sits on the difficult end of the FL spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.
Who lives in 32426 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
The 32426 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.
Here's what matters if you're considering buying a home in Campbellton:
Market Trends
Home Value History (with trend line)
📊 How Does 32426 Compare?
| Metric | 32426 | Campbellton | Florida |
|---|---|---|---|
| Home Value | $141,082 | $141,082 | $374,697 |
| 5-Year CAGR | 4.4% | 4.4% | 7.4% |
| Avg Rent | $963 | $963 | - |
| Cap Rate | 5.3% | 5.3% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 32426 (Campbellton, FL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $141,082 |
| Monthly Rent | $963 |
| Price-to-Rent | 12.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 8.2% |
| Cap Rate | 5.3% |
| 5-Year IRR | 9.7% |
📈 Home Appreciation
| 1-Year | +11.8% ▲ |
| 3-Year CAGR | +2.1% ▲ |
| 5-Year CAGR | +4.4% ▲ |
| 10-Year CAGR | +7.0% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (5.3%). 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 32426
Population: 710
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What is the investability score for Campbellton, FL?
Campbellton, FL scores 3.0/5 for investability. Home values sit at $141K and rents near $963/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Is rental property easy to operate in Campbellton, FL?
Campbellton, FL falls under FL landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
What investment strategy works best in Campbellton, FL?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Campbellton, FL. The numbers - $141K homes against $963/mo rents - support that play.
Does house hacking make sense in Campbellton, FL?
House hacking in Campbellton, FL is a challenging. With home values around $141K and rents at $963/mo, owner-occupants can offset a meaningful share of PITI.
Where do rents currently stand in Campbellton, FL?
Rents in Campbellton, FL run near $963/mo. Compared with median home prices of $141K that produces solid gross yields for typical rentals.
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