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 October 2026.

See what pencils →Run a DSCR

$319,000Median list price704 active listings

$38,922Median 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 October 2026.

$205,000DSCR 1.55
2 bed · 1 bath · 844 sqft
House in 32641 · built 1948
STR revenue
$27,194/yr
Est. interest-only payment
$1,170/mo
On the market 186 days · Listed by Watson Realty Corp Gainesville Office
Scout this home & market: 2-bed house in Gainesville
$219,900DSCR 1.56
3 bed · 1.5 bath · 1,169 sqft
House in 32609 · built 1961
STR revenue
$34,951/yr
Est. interest-only payment
$1,492/mo
On the market 213 days · Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMEN
Scout this home & market: 3-bed house in Gainesville
$249,900DSCR 1.96
3 bed · 2.5 bath · 1,852 sqft
House in 32601 · built 1930
STR revenue
$54,128/yr
Est. interest-only payment
$1,837/mo
On the market 102 days · Listed by Keller Williams Gainesville Realty Partners, Llc
Scout this home & market: 3-bed house in Gainesville
$325,000DSCR 1.40
3 bed · 2 bath · 1,666 sqft
House in 32605 · built 1989
STR revenue
$47,444/yr
Est. interest-only payment
$2,256/mo
On the market 143 days · Listed by Coldwell Banker M.M. Parrish Realtors
Scout this home & market: 3-bed house in Gainesville
$349,000DSCR 1.34
4 bed · 2 bath · 1,910 sqft
House in 32605 · built 1995
STR revenue
$44,759/yr
Est. interest-only payment
$2,220/mo
On the market 134 days · Listed by SAGE REAL ESTATE
Scout this home & market: 4-bed house in Gainesville

Ask about Gainesville deals →Run any address yourself

As of October 2026, we analyzed 704 active for-sale homes in Gainesville, Florida. The typical listing is priced at $319,000 and is projected to generate about $38,922 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 65.3% of those homes could still cover an investor mortgage payment on short-term-rental income — well above the 53.1% median across the 200 major metros we track, ranking Gainesville #46 of 200 for cash-flow potential.

On market momentum: homes in Gainesville sit a median of 81 days on the market, and 21% 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 is a broad cash-flow market right now: 218 of the 522 Gainesville homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $356,000.

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	49%1.24	79%1.56	89%1.78	—
$250k–$350k	0%0.92	60%1.35	75%1.42	—
$350k–$500k	—	13%0.89	32%1.01	—
$500k+	—	0%0.54	2%0.71	0%0.75

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	704
Median list price	$319,000
Median projected STR revenue (annual, gross)	$38,922
Median average daily rate (ADR)	$214
Median occupancy	51%
Median beds	3
Median size	1,534 sqft
Estimated cash-flow-positive share	65.3%
Median days on market	81 days
New listings (last 30 days)	20.7% of active