Median home value in zip code 32038 (Fort White, FL) is $296,066, down 2.0% year over year. Part of the Lake City, FL metropolitan area.

Home Value$296,066

YoY Change

-2.0%

Prices falling — better for buyers.

Affordability

Enter your income for 32038 (Fort White).

Income (annual)

Down Payment

$59,213 on $296,066

Example: $75,000 household income. Change it above to see your own.

Stretch32.9% of income

Above 28% but manageable with cuts.

PITI$2,059

P/I32.9%

Afford$252K

Gap-$44K

P&I $1,497Tax $212Ins $350

6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

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

Metro Analysis

32038 is part of the Lake City, FL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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