The median home in Lake City, Florida is valued at $254,422, down 0.2% year over year. Typical monthly rent is $1,455, producing a price-to-rent ratio of 14.6x — below the national average of 18x. Lake City is part of the Lake City, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Lake City, FL stress score, crash risk, and 12-month forecast →

Home Value$254,422

-0.2%

Rent$1,455/mo

AFFORDABILITY

Enter your income for Lake City.

Income (annual)

Down Payment

$50,884 on $254,422

Stretch — 29.1% of income

Above 28% but manageable with cuts.

PITI$1,819

P/I29.1%

Afford$245K

Gap-$10K

P&I $1,286Tax $182Ins $350

Renting $364/mo cheaper ($1,455 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Lake City with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Lake City, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Lake City, FL metro.

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LAKE CITY, FL