ZIP CODE 32765 // ORLANDO-KISSIMMEE-SANFORD, FL // DATA AS OF 2026-09-30
Oviedo, FL (32765) Rental Property Cap Rate & Cash Flow Report
Located in Seminole County (Oviedo, FL), Zip Code 32765 ranks #228 of 500 within this selected sample (55th percentile) with a Zillow ZHVI typical home-value index of $486,743 (0.0% YoY) and a ZORI observed market rent of $2,135/mo (+1.2% YoY). Requires at least 56.6% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$1,127/mo
Annual: -$13,524/yr
Modeled Cap Rate
3.29%
NOI: $16,010/yr
Cash-on-Cash Return
-12.08%
Cash Needed: $111,951
1% Rule Ratio
0.44%
Gross Yield: 5.26%
Break-Even Rent
$3,430/mo
State Tax: 0.79%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 32765 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (FL Avg 0.79%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,461/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$801/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (32765)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $386,693 | $1,869/mo | 5.80% |
| 2022 | $476,287 | $2,069/mo | 5.21% |
| 2023 | $491,326 | $2,069/mo | 5.05% |
| 2024 | $501,793 | $2,051/mo | 4.90% |
| 2025 | $486,660 | $2,110/mo | 5.20% |
| 2026 | $486,743 | $2,135/mo | 5.26% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 34711 Clermont, FL | $426,376 | $1,984/mo | 3.57% | -$888/mo |
| 33186 The Crossings, FL | $523,743 | $2,475/mo | 3.64% | -$1,058/mo |
| 33511 Brandon, FL | $360,338 | $1,704/mo | 3.65% | -$727/mo |
| 33157 Village of Palmetto Bay, FL | $627,146 | $2,515/mo | 2.90% | -$1,657/mo |
| 34787 Winter Garden, FL | $573,339 | $2,249/mo | 2.81% | -$1,559/mo |
| 33411 West Palm Beach, FL | $466,847 | $2,283/mo | 3.82% | -$876/mo |