Lake City, FL Metro Area - Investment Guide
Metro Area • 3 Cities • 5 ZIP Codes
Avg Home Value
$261,146
Avg Monthly Rent
$1,263
Avg Cap Rate
3.84%
Avg Investability
3.0 ★
Cities
3
ZIP Codes
5
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Market Trends
Metro Home Value History
Metro Rent History
🏦 30-yr Fixed Rate:
6.76%
as of Sep 10
Source: Freddie Mac PMMS
☀️
WARM MARKET
Lake City, FL Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of August 29, 2026 — updated weekly
Best ZIP codes in Lake City, FL
Every ZIP in the metro, ranked four ways. Free.
Cities in Lake City, FL
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 32025 | Lake City | FL | $234,716 | $1,533 | 5.10% | |
| 32038 | Fort White | FL | $305,828 | $1,143 | 2.92% | |
| 32055 | Lake City | FL | $224,182 | $1,398 | 4.87% | |
| 32024 | Lake City | FL | $316,890 | $1,350 | 3.32% | |
| 32096 | White Springs | FL | $222,208 | $873 | 3.06% | |
| 32025 | Lake City | FL | $230,881 | $1,399 | 4.73% | |
| 32038 | Fort White | FL | $304,898 | $1,143 | 2.92% | |
| 32055 | Lake City | FL | $217,255 | $1,116 | 4.01% | |
| 32096 | White Springs | FL | $210,321 | $873 | 3.24% | |
| 32024 | Lake City | FL | $319,806 | $2,100 | 5.12% | |
| 32025 | Lake City | FL | $232,910 | $1,533 | 5.14% | |
| 32038 | Fort White | FL | $302,323 | $1,143 | 2.95% | |
| 32055 | Lake City | FL | $220,624 | $1,398 | 4.94% | |
| 32096 | White Springs | FL | $214,000 | $873 | 3.18% | |
| 32024 | Lake City | FL | $324,385 | $1,500 | 3.61% | |
| 32025 | Lake City | FL | $233,282 | $1,400 | 4.68% | |
| 32038 | Fort White | FL | $305,959 | $1,143 | 2.91% | |
| 32055 | Lake City | FL | $222,850 | $1,398 | 4.89% | |
| 32024 | Lake City | FL | $314,119 | $2,100 | 5.21% | |
| 32096 | White Springs | FL | $219,255 | $873 | 3.11% | |
| 32025 | Lake City | FL | $229,570 | $1,471 | 5.00% | |
| 32038 | Fort White | FL | $296,066 | $1,143 | 3.01% | |
| 32055 | Lake City | FL | $215,252 | $1,116 | 4.04% | |
| 32096 | White Springs | FL | $207,358 | $873 | 3.28% | |
| 32024 | Lake City | FL | $326,621 | $2,100 | 5.01% | |
| 32025 | Lake City | FL | $237,512 | $1,563 | 5.13% | |
| 32038 | Fort White | FL | $310,178 | $1,143 | 2.87% | |
| 32055 | Lake City | FL | $227,420 | $1,398 | 4.80% | |
| 32024 | Lake City | FL | $316,890 | $1,350 | 3.32% | |
| 32096 | White Springs | FL | $220,581 | $873 | 3.09% | |
| 32025 | Lake City | FL | $230,881 | $1,399 | 4.73% | |
| 32038 | Fort White | FL | $304,898 | $1,143 | 2.92% | |
| 32055 | Lake City | FL | $217,255 | $1,116 | 4.01% | |
| 32096 | White Springs | FL | $210,321 | $873 | 3.24% | |
| 32024 | Lake City | FL | $322,353 | $2,100 | 5.08% |
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About Lake City, FL Real Estate Market
The Lake City, FL metropolitan statistical area (MSA) encompasses 3 cities and 5 ZIP codes. The average home value across the metro is $261,146, with an average monthly rent of $1,263. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.