Real Estate Investing in Winter Garden, Florida (34787)

Orange County • Population: 93,064 • Data updated: June 2026

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Should you buy in 34787 (Winter Garden, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (63/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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.

What’s happening in Winter Garden, FL (34787)?

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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 $574,456
Avg Monthly Rent $2,353
1% Rule ✗ Does Not Meet
Median Income $108,750
% Renters 27.9%

Market Analysis: 34787 Winter Garden

The 34787 ZIP covers a section of Winter Garden that demands careful diligence. Prices near $574K look accessible, but the work to make a deal cash flow is real.

On the rental side, the numbers look inviting — $574K purchase price, 0.0% nominal cap — the work to hit that pro forma in 34787 is substantial and deserves full respect.

The gap between 34787 and stronger Winter Garden ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

A healthy renter share of 28% in 34787 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

looks to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Winter Garden:

B Good
Buy Confidence Score: 71/100
Affordability
10/25
Appreciation
22/25
Stability
14/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.3× the median income
Value Trend
Declining (-2.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,353/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
Orlando-Kissimmee-Sanford, FL Metro Area
More inventory, negotiating room for buyers
68 days
Average time to sell
Slow
8.8%
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 Orlando-Kissimmee-Sanford, FL metro data
🏠

Property Strategy for 34787

Which property type performs best in this market?

Best for Cash Flow
1BR
7.6% cap rate
Best for Appreciation
5BR
+8.8% 5yr CAGR
Best Overall Value
2BR
$133,282/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $196,228 $2,060 7.6% +7.1% $196,228
2BR $266,565 $2,350 6.3% +7.5% $133,282
3BR $453,776 $2,950 4.7% +7.5% $151,259
4BR $621,451 $3,480 4.0% +8.4% $155,363
5BR $811,645 +8.8% $162,329

Market Trends

Home Value History (with trend line)

$631K$538K$445K$352K$259K$167KMay 2006May 2016May 2026

Rent History (with trend line)

$2,554$2,321$2,089$1,856$1,624$1,391May 2016May 2021May 2026

📊 How Does 34787 Compare?

Metric 34787 Winter Garden Orlando-Kissimmee-Sanford, FL Florida
Home Value $574,456 $574,456 N/A $374,697
5-Year CAGR 6.7% 6.7% N/A 7.4%
Avg Rent $2,353 $2,353 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 34787? 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 34787 (Winter Garden, FL). Anonymous, moderated, never written by AI.

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Property managers serving Orange County

Manage rentals here? List your business →

All County CFL provides full-service residential property management in Winter Park, FL and surrounding areas, focusing on maximizing revenue and managing tenant relationships for property owners. summary from their website

Single-familySmall multifamily
Unclaimed — is this your business? Claim it free

RentCare Property Management provides reliable, professional, and trusted residential property management services in Orlando since 1993, including marketing, resident screening, rent collection, and summary from their website

Single-familySmall multifamily
Unclaimed — is this your business? Claim it free

Southwest Property Management is a full-service Community Association Management Company serving Central Florida. summary from their website

HOA
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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
3.2%
Low
5yr Growth
+6.7%
Strong

📊 Market Snapshot

Home Value $574,456
Monthly Rent $2,353
Price-to-Rent 20.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 9.9%

📈 Home Appreciation

1-Year -2.1% ▼
3-Year CAGR +0.1% ▲
5-Year CAGR +6.7% ▲
10-Year CAGR +6.7% ▲

🏠 Rent Trends

1-Year -3.5% ▼
3-Year CAGR -0.7% ▼
5-Year CAGR +5.1% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.5%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (3.2%). 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
6.8%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.7%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 34787

Population: 93,064

💰 Median Household Income
$108,750
This area
$108,750
State
$70,737
USA
$74,580
🏠 Renter Occupied
27.9%
This area
27.9%
State
29.9%
USA
34.0%
💼 Unemployment Rate
3.3%
This area
3.3%
State
-18.0%
USA
3.7%
🎓 College Educated
46.4%
This area
46.4%
State
4.7%
USA
33.7%
👤 Median Age
37.7 years
This area
37.7 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
6.8%
This area
6.8%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 62.1%
Other/Mixed 20.9%
Hispanic/Latino 14.2%
Black/African American 10.6%
Asian 6.4%
👶 Under 18
27.8%
This area
27.8%
USA
22.0%
👴 65 and Over
11.3%
This area
11.3%
USA
17.3%
📊 Poverty Rate
6.7%
This area
6.7%
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 34787

B Avg School Grade
24 Schools
16.3:1 Avg Class Size
$13,040 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

DILLARD STREET ELEMENTARY

📚 Pre-K – 05 Elementary
👥
479 Students
👨‍🏫
14.5:1 Class Size
💰
$13,040 Per Student
B+ Above Average

LAKE WHITNEY ELEMENTARY

📚 Pre-K – 05 Elementary
👥
580 Students
👨‍🏫
14.9:1 Class Size
💰
$13,040 Per Student
B+ Above Average

ESE TRANSITION

📚 Grade 12 High School
👥
130 Students
👨‍🏫
8.7:1 Class Size
💰
$13,040 Per Student
B Good

HAMLIN ELEMENTARY

📚 Pre-K – 05 Elementary
👥
641 Students
👨‍🏫
16.0:1 Class Size
💰
$13,040 Per Student
B Good

SUMMERLAKE ELEMENTARY

📚 K – 05 Elementary
👥
771 Students
👨‍🏫
16.4:1 Class Size
💰
$13,040 Per Student
B Good

SUNRIDGE ELEMENTARY

📚 Pre-K – 05 Elementary
👥
678 Students
👨‍🏫
16.5:1 Class Size
💰
$13,040 Per Student
B Good

TILDENVILLE ELEMENTARY

📚 Pre-K – 05 Elementary
👥
680 Students
👨‍🏫
16.6:1 Class Size
💰
$13,040 Per Student
B Good

WILLIAM S MAXEY ELEMENTARY

📚 Pre-K – 05 Elementary
👥
508 Students
👨‍🏫
16.4:1 Class Size
💰
$13,040 Per Student
B Good

HOSPITAL HOMEBOUND

📚 Pre-K – 12 K-12
👥
133 Students
👨‍🏫
3.7:1 Class Size
💰
$13,040 Per Student
B Good

INDEPENDENCE ELEMENTARY

📚 K – 05 Elementary
👥
879 Students
👨‍🏫
17.6:1 Class Size
💰
$13,040 Per Student
B Good

WHISPERING OAK ELEMENTARY

📚 Pre-K – 05 Elementary
👥
803 Students
👨‍🏫
16.7:1 Class Size
💰
$13,040 Per Student
B Good

PANTHER LAKE ELEMENTARY

📚 Pre-K – 05 Elementary
👥
676 Students
👨‍🏫
18.3:1 Class Size
💰
$13,040 Per Student
B Good

WATER SPRING ELEMENTARY

📚 Pre-K – 06 School
👥
1,268 Students
👨‍🏫
17.1:1 Class Size
💰
$13,040 Per Student
B Good

WATER SPRING MIDDLE SCHOOL

📚 06 – 08 Middle
👥
778 Students
👨‍🏫
20.0:1 Class Size
💰
$13,040 Per Student
C+ Average

UCP WEST ORANGE CHARTER

📚 Pre-K – 06 School Charter
👥
269 Students
👨‍🏫
12.8:1 Class Size
💰
$13,040 Per Student
C+ Average

HAMLIN MIDDLE

📚 06 – 08 Middle
👥
845 Students
👨‍🏫
20.6:1 Class Size
💰
$13,040 Per Student
C+ Average

LAKEVIEW MIDDLE

📚 06 – 08 Middle
👥
808 Students
👨‍🏫
20.2:1 Class Size
💰
$13,040 Per Student
C+ Average

ESTEEM ACADEMY

📚 06 – 12 High School
👥
19 Students
👨‍🏫
3.8:1 Class Size
💰
$13,040 Per Student
C+ Average

BRIDGEWATER MIDDLE

📚 06 – 08 Middle
👥
1,184 Students
👨‍🏫
20.1:1 Class Size
💰
$13,040 Per Student
C+ Average

SUNRIDGE MIDDLE

📚 06 – 08 Middle
👥
1,158 Students
👨‍🏫
18.7:1 Class Size
💰
$13,040 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

7 Nearby 19,853 Off-Campus Students
C+
Orange Technical College-West Campus
1,418 students · 6.3 mi
C+
Valencia College
42,524 students · 10.3 mi
D
DeVry University-Florida
196 students · 10.6 mi
C+
Orange Technical College-South Campus
2,743 students · 12.9 mi
C
Florida College of Integrative Medicine
75 students · 13.8 mi
D
Southern Technical College
1,686 students · 14.1 mi
C
Universal Technical Institute-Auto Motorcycle & Marine Mechanics Institute Division-Orlando
866 students · 14.1 mi

Investor Insight: With 19,853 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What kind of vacancy should I budget for in Winter Garden, FL?

Winter Garden, FL carries elevated vacancy risk. Expect measured absorption at market rents of $2,353/mo.

Is Winter Garden, FL better for rentals, flips, or BRRRR?

Investors usually favor careful cash-flow rentals with hands-on management in Winter Garden, FL. With home values at $574K and rents near $2,353/mo, other strategies can work but produce measured rather than outsized returns.

Is real estate in Winter Garden, FL a good investment right now?

Yes - Winter Garden, FL a 3.0/5 investability score. With $574K home prices against $2,353/mo monthly rent, the market delivers a reasonable entry point for new investors.

How viable is house hacking in Winter Garden, FL?

House hacking works a challenging in Winter Garden, FL. Rents of $2,353/mo against $574K acquisition make the strategy solid for owner-occupants.

Are rents high in Winter Garden, FL?

The typical rental in Winter Garden, FL commands about $2,353/mo monthly. That rent profile reliable cash flow against the $574K purchase basis.

See what 34787 really looks like for investors

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