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Lake City city, FL

ZIP 32025 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32025

Median Home Value
$184,900
Median Rent
$747
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,188/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.9x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32025 in Lake City 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.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
57.6%-12% vs US avg
x
Vacancy Rate
9.1%-11% vs US avg
x
Broadband Access
86.2%-1% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
4.5%-64% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
22.5%-55% vs US avg
x
Mortgage-Free
48.3%+26% vs US avg
x
$184,900
Home Value
$747
Rent
1986
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached53.8%
  • 1-unit attached0.8%
  • 2-9 units14.8%
  • 10+ units8.9%
  • Mobile home & other21.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$184,900
Median rent$747
Owner-occupied57.6%
Vacant9.1%
Price-to-income3.9x
Est. income to buy$51,000