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Market MapFloridaSumter

Sumter County

FloridaPopulation: 131,832
48
/100
Hold
#589 of 1,000 counties
#34 in Florida (67 counties)

Market Snapshot

$387,468
Median Home Price
66% above national median
$1,700/mo
Median Rent
13% above national median
5.27%
Rent-to-Price Ratio
Top 67% nationally
-$926
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$387,468
Down Payment (20%)$77,494
Loan Amount$309,974
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,700
Monthly P&I-$2,031
Est. Expenses (35%)-$595
Net Cash Flow-$926/mo
3.4%
Cap Rate (all cash)
-12.5%
Cash-on-Cash Return
5.27%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.4% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
48/100
48
Cash Flow(30%)
49/100

Based on 5.27% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
44/100

Based on -1.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
47/100

Price-to-income ratio of 5.5x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (5.27%)
  • -Declining home values (-1.2% YoY)
  • -Negative cash flow at typical financing (-$926/mo)
  • -Negative leverage (cap rate 3.4% < mortgage rate 6.9%)

Economic Indicators

Population
131,832
Median Income
$70,105
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
5.5x
Less affordable

Compare to Nearby Counties

CountyVerdict
HamiltonFL
49$195,992Est. pending—HoldView
HillsboroughFL
49$373,642$2,0096.45%HoldView
CurrentSumterFL
48$387,468$1,7005.27%Hold
PascoFL
48$328,129$2,0007.31%HoldView
Indian RiverFL
48$359,133$2,2527.52%HoldView
OrangeFL
47$397,718$1,9465.87%HoldView

The Bottom Line

HoldSumter is a neutral market. Consider house hacking or targeting below-market deals.

Sumter County in Florida scores 48/100, ranking #589 of 1,000 US counties (top 78%). The 5.27% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-926/mo
Cap Rate
3.4%
Cash-on-Cash
-12.5%

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