Median home value in zip code 32640 (Hawthorne, FL) is $225,997, down 1.6% year over year. Part of the Palatka, FL metropolitan area.

Home Value$225,997

YoY Change

-1.6%

Prices falling — better for buyers.

Affordability

Enter your income for 32640 (Hawthorne).

Income (annual)

Down Payment

$45,199 on $225,997

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

Affordable26.5% of income

Under the 28% guideline.

PITI$1,655

P/I26.5%

Afford$239K

Room+$13K

P&I $1,143Tax $162Ins $350

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

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

Metro Analysis

32640 is part of the Palatka, FL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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