ZIP Code 32024 — Lake City, FL Home Prices (2026)
The typical home in ZIP 32024 (Lake City, Florida) is worth about $324,000 at roughly $213 per square foot — 39% more expensive than the Lake City median and 10% more expensive than the typical U.S. home.
How 32024 compares
ZIP 32024 is one of the pricier ZIP codes in Lake City: its typical home value of $324,000 ranks #1 of the 3 Lake City ZIP codes we track (the citywide range runs from $223,000 in 32055 to $324,000 in 32024). Per square foot it costs about $213, against $179 for Lake City as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 32024 | $324,000 | $213 |
| Lake City, FL | $233,000 | $179 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 32024
Using this ZIP’s rate of about $213 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $213,000 |
| 1,500 sq ft | $319,500 |
| 2,000 sq ft | $426,000 |
| 2,500 sq ft | $532,500 |
| 3,000 sq ft | $639,000 |
Salary needed to buy a home in ZIP 32024
To buy the typical $324,000 home in ZIP 32024 with 20% down, you need a household income of roughly $88,000 a year (about $2,060 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $105,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,200 | $2,560/mo | $110,000/yr |
| 10% (+PMI) | $32,400 | $2,440/mo | $105,000/yr |
| 20% | $64,800 | $2,060/mo | $88,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 32024
At about $213 per square foot, here is roughly how much home different budgets get you in ZIP 32024:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 700 sq ft | below the local median — condos, smaller or older homes |
| $200k | 940 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1410 sq ft | around the typical home here |
| $400k | 1880 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 32024 home.
Estimate a specific home in 32024
The estimator below is pre-set to ZIP 32024 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Lake City ZIP codes by home value
Where 32024 sits among Lake City’s 3 ZIP codes:
ZIP 32024 home prices: frequently asked
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See the full Lake City home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.