Most Affordable ZIP Codes in Lake City, FL (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 32096 | White Springs, FL | $219,255 | $873 | 3.11% | 6.6% |
| 2 | 32055 | Lake City, FL | $222,850 | $1,398 | 4.89% | 5.3% |
| 3 | 32025 | Lake City, FL | $233,282 | $1,400 | 4.68% | 6.1% |
| 4 | 32038 | Fort White, FL | $305,959 | $1,143 | 2.91% | 5.1% |
| 5 | 32024 | Lake City, FL | $324,385 | $1,500 | 3.61% | 5.6% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in Lake City, FL · Appreciation in Lake City, FL
Or see the full Lake City, FL metro profile.