Median home value is about $184,900 — about 47% below the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $747 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 57.6% (about 7.8 points below the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 32025 in Lake City, FL, a household would need roughly $51,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,188. That is roughly in line with the local median household income ($47,074). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.