Investor market data · Florida

Gainesville, FL Rental Market for Investors

An estimated 65% of Gainesville's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

See what pencils →Run a DSCR

$324,900Median list price687 active listings

$38,747Median STR revenue / yrprojected, gross

Homes in Gainesville that pencil right now

A sample of active Gainesville listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

$174,000DSCR 1.33
2 bed · 2.5 bath · 1,176 sqft
Townhouse in 32607 · built 2001
STR revenue
$28,761/yr
Est. interest-only payment
$1,447/mo
On the market 423 days · Listed by Better Homes and Gardens Real Estate Thomas Group
Scout this home & market: 2-bed townhouse in Gainesville
$205,000DSCR 1.57
2 bed · 1 bath · 844 sqft
House in 32641 · built 1948
STR revenue
$27,194/yr
Est. interest-only payment
$1,153/mo
On the market 137 days · Listed by Watson Realty Corp Gainesville Office
Scout this home & market: 2-bed house in Gainesville
$220,000DSCR 1.28
2 bed · 1 bath · 1,023 sqft
House in 32601 · built 1949
STR revenue
$31,389/yr
Est. interest-only payment
$1,640/mo
On the market 190 days · Listed by Keller Williams Gainesville Realty Partners, Llc
Scout this home & market: 2-bed house in Gainesville
$239,900DSCR 1.97
3 bed · 1 bath · 900 sqft
House in 32609 · built 1948
STR revenue
$42,957/yr
Est. interest-only payment
$1,451/mo
On the market 27 days · Listed by Campus To Coast Realty, Inc
Scout this home & market: 3-bed house in Gainesville
$325,000DSCR 1.42
3 bed · 2 bath · 1,666 sqft
House in 32605 · built 1989
STR revenue
$47,444/yr
Est. interest-only payment
$2,229/mo
On the market 94 days · Listed by Coldwell Banker M.M. Parrish Realtors
Scout this home & market: 3-bed house in Gainesville
$325,000DSCR 1.69
5 bed · 3 bath · 1,640 sqft
House in 32607 · built 1958
STR revenue
$51,880/yr
Est. interest-only payment
$2,044/mo
On the market 6 days · Listed by Keller Williams Gainesville Realty Partners, Llc
Scout this home & market: 5-bed house in Gainesville
$349,000DSCR 1.36
4 bed · 2 bath · 1,910 sqft
House in 32605 · built 1995
STR revenue
$44,759/yr
Est. interest-only payment
$2,191/mo
On the market 85 days · Listed by SAGE REAL ESTATE
Scout this home & market: 4-bed house in Gainesville
$448,000DSCR 1.47
4 bed · 2.5 bath · 2,216 sqft
House in 32607 · built 1973
STR revenue
$54,641/yr
Est. interest-only payment
$2,480/mo
On the market 171 days · Listed by Better Homes and Gardens Real Estate Thomas Group
Scout this home & market: 4-bed house in Gainesville

Ask about Gainesville deals →Run any address yourself

As of August 2026, we analyzed 687 active for-sale homes in Gainesville, Florida. The typical listing is priced at $324,900 and is projected to generate about $38,747 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 65.4% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 52.5% median across the 200 major metros we track, ranking Gainesville #44 of 200 for cash-flow potential.

On market momentum: homes in Gainesville sit a median of 74 days on the market, and 22% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Gainesville, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.

What actually works in Gainesville

Gainesville works for investors, but the window is specific: 217 of the 547 Gainesville homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $360,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price	2 bed	3 bed	4 bed	5 bed
$150k–$250k	52%1.26	78%1.52	81%1.77	—
$250k–$350k	0%0.97	56%1.40	75%1.41	—
$350k–$500k	—	10%0.91	32%1.05	—
$500k+	—	0%0.58	2%0.71	5%0.77

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Gainesville in full

Active for-sale homes analyzed	687
Median list price	$324,900
Median projected STR revenue (annual, gross)	$38,747
Median average daily rate (ADR)	$212
Median occupancy	51%
Median beds	3
Median size	1,520 sqft
Estimated cash-flow-positive share	65.4%
Median days on market	74 days
New listings (last 30 days)	22.3% of active