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Florence vs Ozark for Rental Property Investing

Side-by-side comparison of Florence, AL and Ozark, AL — cap rates, rent, prices, and investment metrics.

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Ozark wins 3–0 across key metrics
Ozark leads on cash flow (8.27% vs 5.04% cap rate) · Florence leads on population growth
Metric
Florence, AL
Ozark, AL
Est. Cap Rate
5.04%
8.27%
Median Home Price
$210,000
$155,000
Median Monthly Rent
$1,170
$1,310
1% Rule
0.56%
0.85%
GRM
15.0x
9.9x
Price / Income
4.2x
3.1x
Property Tax Rate
0.42%
0.42%
Vacancy Rate
6.4%
6.4%
Population Growth
0.8% / yr
0.8% / yr
Annual Appreciation
2.3%
2.3%
Population
50,000
50,000
Median Income
$49,614
$49,614

Florence vs Ozark: Which Is Better for Investors?

Cash flow: Ozark has the edge with an estimated cap rate of 8.27% compared to Florence's 5.04%. Neither city passes the 1% rule outright, so deal sourcing and value-add strategies become more important. Median home prices are $210,000 in Florence vs $155,000 in Ozark, while rents come in at $1,170/mo and $1,310/mo respectively. For context, the national average cap rate is 3.81% and average price is $333K.

Growth & appreciation: Florence is growing faster at 0.8% annually vs Ozark's 0.8%. Florence leads on home value appreciation at 2.3% per year.

Costs & risk: Property taxes are 0.42% in Florence vs 0.42% in Ozark. Vacancy rates of 6.4% and 6.4% are mixed — Ozark has the tighter rental market.

Entry point: Ozark offers a lower entry at $155K vs Florence's $210K — a difference of $55K. With a 20% down payment, that's $31K vs $42K. Ozark combines the lower price with a higher cap rate — a compelling combination.

Bottom line: Ozark edges out Florence on most key metrics. With a 8.27% cap rate, it offers solid cash flow potential. Use our free calculators to model specific deals in Florence or Ozark.

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Florence, AL
5.04% cap rate · $210,000 median · $1,170/mo
Full analysis →
Ozark, AL
8.27% cap rate · $155,000 median · $1,310/mo
Full analysis →

Frequently Asked Questions

Is Florence or Ozark better for rental investing?
Ozark wins 3–0 across our 7 key metrics. Ozark's 8.27% cap rate and $155K median price give it the edge overall.
What is the cap rate difference between Florence and Ozark?
Florence has a 5.04% cap rate vs Ozark's 8.27% — a difference of 3.24 percentage points. This is a significant gap that meaningfully impacts cash flow. For context, the national average is 3.81%.
Which city has lower property taxes?
Ozark has lower property taxes at 0.42% vs 0.42%. On a $183K property, that's a difference of approximately $231/year in tax expense — money that goes directly to (or from) your cash flow.
Which city is growing faster?
Florence is growing at 0.8% annually vs Ozark's 0.8%. Moderate growth provides stable demand. Florence's appreciation rate of 2.3% also leads on home value growth.

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