Lake Butler 32054

Name: 32054 Lake Butler, FL housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Lake Butler · Union County, FL · 6,493 properties with county records

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Lake Butler 32054 is in Union County, FL, part of the Jacksonville Metro. The typical home value in Lake Butler 32054 is $276,609 (Zillow Home Value Index, August 2026), up 2.0% from a year earlier. Homes that sold went under contract in a median 75 days, and 42% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 5.7 months of supply, buyers hold the advantage. The Lotvox Turnover Index is not published for 32054 yet: it appears only where a held-out test on the county's recorded sales beats chance. Lotvox holds county assessor records for 6,493 properties in 32054.

Headline value data through August 2026. Each source below carries its own date.

Is 32054 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 32054 is a buyer's market. Homes went under contract in a median 75 days with 5.7 months of supply.

What do homes in 32054 sell for?

The typical home value in 32054 is $276,609 (Zillow Home Value Index, August 2026), up 2.0% in a year. County records put the median at about $108 per square foot (computed Apr 21, 2026).

Who is likely to sell in 32054?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 32054 has not passed that test yet. When it does, the score appears here.

How does 32054 compare to Union County?

Lotvox does not hold enough ZIP-level values in Union County to compare. The county page lists every covered ZIP.

Where does this 32054 data come from?

Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.

Sources: Zillow Home Value Index (ZHVI) (as of Aug 31, 2026) · Redfin Data Center (as of Aug 31, 2026) · Zillow Observed Rent Index (ZORI) (as of date not recorded) · county assessor records (counted Oct 15, 2026) · How Lotvox works

Cite as: Lotvox ZIP market record, 32054 Lake Butler, FL, data through August 2026, https://lotvox.com/jacksonville/zip/32054

Listings Flow Ladder — Listings flow could not be loaded (429).

Should you buy here?

buyer-timing lens

58affordability /100

Buyer leverage is buyer advantage; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

27.4%

affordable

Days on market

daily

Price cuts

41.8%

of active

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Rent vs own — the renter's question first

$765

median rent · per month

$1,809

total cost to own · per month

+$1,044

more to own · per month

Rent to price — the investor's question first

30.1×

price to annual rent

Lower is friendlier to a buy-to-let case. This is a ratio of published medians, not a yield on any particular property.

/100

Stable

warming · buyer advantage · prices rising year-over-year.

Price trend

Affordability

Economic health

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / seller

buyer-timing lens

Negotiate Hard

Score Components

Payment Burden (25%)25

Valuation Gap (25%)100

Buy vs Rent (15%)100

Days on Market (5%)75

Moderate buyer leverage in 32054. Room to negotiate 5-10% below list. Payment burden: 25.6% of median income. Median days on market: 83. Renting is approximately 155% cheaper than buying (price-to-rent ratio: 30.6). Market appears 46% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.

WARMINGBUYER ADVANTAGE

Market is warming with rising prices. Buyers have strong negotiating leverage.

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<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/jacksonville/zip/32054?utm_source=embed&utm_medium=backlink">Lake Butler 32054 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshot

each number, once

Median price

$276,609

▴ 2.0% YoY

Days on market

daily · zip_data

Median rent

$765

ZORI

Investor score

39/100

cash-flow lens

Active listings

90-day

Valuation

3 lenses, different anchors

vs assessor

—

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$0

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+68.0%

County-wide market — the widest, slowest signal.

Union+68.0%

Bradford+76.1%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$108

Price-to-income4.2×

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How 32054 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity41%

Supply tightness72%

Affordability76%

Investment yield4%

Appreciation82%

Affordability, supply & momentum

37SUPPLY

BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply--

Days on Market75d

Inv vs History+30.6%

Listing Density5.2/1k

Affordability — payment burden

Monthly payment (P&I)$1,532

Payment burden27.4%

Median income · ZIP$67,044

Mortgage rate7.4% · 30yr

Total monthly own$1,809

Monthly rent$765

Market dynamics

Price cut %41.8%

Momentumwarming

LeverageBUYER ADVANTAGE

Months of supply5.7

Sales (90d)10

Investment analysis

Median rent$765

Price-to-rent30.1

Est. cap rate2.1%

Buy vs rentfavors renting

Livability

Walk score1

Transit score—

Bike score—

Historical trends

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Housing pulse

4 charts, one facade

Housing pulse — Housing pulse could not be loaded (429).

Price bands

mix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Union.

Current tiers · 12 months to Aug 25floor 10 sales/tier

5 tiers had too few sales at every level and are left blank rather than estimated.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$130k	$105	77	72.0%	ZIP
$250k–$500k	$323k	$160	26	24.3%	ZIP
$500k–$750k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$750k–$1M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1M–$1.5M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1.5M–$2M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$2M+	—	—	—	—	fewer than 10 sales at zip, county and metro level
All sales (the headline median)	$160k	$132	107	100%	ZIP

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 32054.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Union County context

macro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

This ZIP code crosses county lines. Property data shows Union (93.9%) and Bradford (6.1%). County metrics below are shown separately for each county.

Union (93.9%)

Bradford (6.1%)

ZIP 32054→2 counties

12-Month Direction

-18Moderate Deterioration

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

54· Fair

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden

27.4%

affordable

Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08

Price-to-rent

30.1x

favors renting

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation16

+68%

overvalued

Source: Lotvox comps · Updated 2026-05-15

Supply/Demand

5.7 mo

balanced

Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-08-31

Insurance Risk

45/100

low_risk

Source: FEMA/NFIP · Updated 2026-04

County distress indicators

ECONOMIC INDICATORS

Economic indicators are mixed relative to comparable U.S. counties.

Unemployment Rate

Higher than many comparable counties

Source: BLS LAUS · 2026-0845d ago

Poverty Rate

Higher than many comparable counties

Median Household Income

Near national averages

Cost of Living (RPP)

Near national averages

Home Value (ZHVI)$270,960

County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors

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Nearby ZIP codes

Jacksonville Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Union County