ZIP CODE 32259 // JACKSONVILLE, FL // DATA AS OF 2026-09-30
Saint Johns, FL (32259) Rental Property Cap Rate & Cash Flow Report
Located in Saint Johns County (Saint Johns, FL), Zip Code 32259 ranks #362 of 500 within this selected sample (28th percentile) with a Zillow ZHVI typical home-value index of $546,728 (-0.7% YoY) and a ZORI observed market rent of $2,001/mo (+0.2% YoY). Requires at least 66.6% 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
-$1,611/mo
Annual: -$19,337/yr
Modeled Cap Rate
2.53%
NOI: $13,837/yr
Cash-on-Cash Return
-15.38%
Cash Needed: $125,747
1% Rule Ratio
0.37%
Gross Yield: 4.39%
Break-Even Rent
$3,853/mo
State Tax: 0.79%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 32259 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (FL Avg 0.79%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,765/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$848/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (32259)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $469,555 | $1,742/mo | 4.45% |
| 2022 | $581,369 | $1,953/mo | 4.03% |
| 2023 | $573,675 | $1,971/mo | 4.12% |
| 2024 | $571,255 | $1,983/mo | 4.17% |
| 2025 | $550,842 | $1,996/mo | 4.35% |
| 2026 | $546,728 | $2,001/mo | 4.39% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 33647 Tampa, FL | $466,612 | $1,805/mo | 2.75% | -$1,291/mo |
| 34787 Winter Garden, FL | $573,339 | $2,249/mo | 2.81% | -$1,559/mo |
| 33157 Village of Palmetto Bay, FL | $627,146 | $2,515/mo | 2.90% | -$1,657/mo |
| 32765 Oviedo, FL | $486,743 | $2,135/mo | 3.29% | -$1,127/mo |
| 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 |