ZIP Code 32025 — Lake City, FL Home Prices (2026)
The typical home in ZIP 32025 (Lake City, Florida) is worth about $233,000 at roughly $163 per square foot — about the same as the Lake City median and 21% more affordable than the typical U.S. home.
How 32025 compares
ZIP 32025 is a mid-priced ZIP code for Lake City: its typical home value of $233,000 ranks #2 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 $163, against $179 for Lake City as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 32025 | $233,000 | $163 |
| Lake City, FL | $233,000 | $179 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 32025
Using this ZIP’s rate of about $163 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 | $163,000 |
| 1,500 sq ft | $244,500 |
| 2,000 sq ft | $326,000 |
| 2,500 sq ft | $407,500 |
| 3,000 sq ft | $489,000 |
Salary needed to buy a home in ZIP 32025
To buy the typical $233,000 home in ZIP 32025 with 20% down, you need a household income of roughly $63,000 a year (about $1,480 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $75,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,700 | $1,840/mo | $79,000/yr |
| 10% (+PMI) | $23,300 | $1,760/mo | $75,000/yr |
| 20% | $46,600 | $1,480/mo | $63,000/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 32025
At about $163 per square foot, here is roughly how much home different budgets get you in ZIP 32025:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 920 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1230 sq ft | around the typical home here |
| $250k | 1530 sq ft | around the typical home here |
| $300k | 1840 sq ft | around the typical home here |
| $400k | 2450 sq ft | above the median — larger homes or the pricier ZIPs |
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 32025 home.
Estimate a specific home in 32025
The estimator below is pre-set to ZIP 32025 — 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 32025 sits among Lake City’s 3 ZIP codes:
ZIP 32025 home prices: frequently asked
What is the average home price in ZIP code 32025? +
What is the price per square foot in 32025? +
What salary do you need to buy a house in ZIP 32025? +
Is 32025 an expensive ZIP code? +
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.