Florida Housing IntelligenceUnion County › 32054 (Lake Butler)
Aerial view of 32054, Florida

32054 (Lake Butler)
Homes for Sale & Housing Market

ZIP code market report · Union County

Median sale price $168,000, down 7.9% year over year, with homes going under contract in about 42 days, 2 homes on the market.

3 communities reporting29 sales analyzedRefreshed twice dailyMomentum Score 57
Live Market Pulse
57/100
Momentum
Balanced Market
Tracking 3 communities across 32054. Recalculated every day from licensed MLS data · last refresh September 15, 2026 at 7:33 PM ET.
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Live · 32054 Housing Pulse Licensed FL MLS feeds + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$168K
Median sold · 12 moConfidence: Low
down 7.9% vs the prior 12 months
-7.9%
1-yr price change
n = 29 recent sales
$139/sf
Sold $/sqft · 12 mo
Union County: $238 · -7.4% vs prior yr
98.1%
Sale vs ask
Union County: 90.4% · +2.1pp vs prior yr
$267K
Union County home value
Zillow ZHVI, monthly · +2.8% vs a year ago
Tempo
42days
Median DOM · closed
Union County: 65 days · -6.0 days vs prior yr
28%
Under contract
of inventory already spoken for
2 · 2 ▲3
For sale · pending
live counts, refreshed twice daily
Market context
40%
Listings with price cuts
Union County · Zillow · -3.4pp vs prior month
24
County for-sale inventory
Zillow, monthly
24%
Cash buyers
share of sales · peak 24% · +20.5pp vs prior yr
57/100
Momentum score
Balanced Market
3
Communities reporting
of 29 tracked in 32054
Economy & people · county layer
$64,922
Median household income
U.S. Census ACS, county
15,551
County population
+2.0% since 2018
4.1×
Price to income
county home value vs median income
74%
Owner-occupied
U.S. Census ACS, county
$931/yr
Median property tax
county, ACS
Licensed FL MLSZillow ResearchU.S. Census ACSPublic records
$3.5B+ sold 10,000+ customers served Top 1% in Florida · RealTrends 800+ five-star reviews Licensed FL MLS data Updated daily
Today's Take · September 15, 2026
Jon Brooks
Jon Brooks
Co-Founder, Momentum Realty · CEO, Momentum Research
Housing Market Analyst

28% of listed homes are already under contract. Prices are down 7.9% versus the prior year, but sellers are still collecting 98.1% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.

What It Means

Who has leverage right now

BUYER'S SELLER'S 57
Momentum Score
Buyer leverage43
Seller leverage57

Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors neither side decisively.

Momentum Outlook
  • Inventory — building over the tracked window; watch whether that holds through the season.
  • Negotiating power — buyers gain ground as 28% of inventory sits under contract.
  • Mortgage sensitivity — at 4.1× income, this market is moderately sensitive to rate moves; rate relief tends to show up in demand here quickly.

Derived from current 32054 data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.

Analysis

The read on 32054 (Lake Butler)

The median sale price across 32054 currently stands at $168,000, down 7.9% from a year ago. Buyers are paying a median of $139 per square foot. The typical home goes under contract in about 42 days. Sellers are capturing 98.1% of their original asking price on average.

There are 2 active listings on the market, with 2 more already under contract.

Zillow's home value index for Union County stands at $266,671. About 40% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.

Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for 32054 is 57 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of September 15, 2026.

Trends & History

32054 since 2012 — and where it’s heading

A median home here sold for $32,000 in 2012 and $319,862 over the last recorded year — 900% appreciation across 14 years of recorded sales. Cash buyers took 24% of recent sales, down from a 24% peak.

Median sale price · 2012–2026 (494 recorded sales)

$26K$176K$326K$320K2012: $32K2013: $38K2014: $40K2015: $156K2016: $150K2017: $71K2018: $90K2019: $92K2020: $105K2021: $179K2022: $263K2023: $270K2024: $266K2025: $308K2026: $320K20122015201920232026

Days on market by year

12d30d48d42d2012: 42d2013: 38d2014: 20d2015: 20d2016: 40d2017: 35d2018: 15d2019: 21d2020: 16d2021: 15d2022: 20d2023: 13d2024: 22d2025: 48d2026: 42d20122015201920232026

Home value trend · Union County (Zillow ZHVI)

$259K$264K$269K$267KJul '25: $259KAug '25: $260KSep '25: $260KOct '25: $261KNov '25: $262KDec '25: $264KJan '26: $266KFeb '26: $267KMar '26: $268KApr '26: $269KMay '26: $268KJun '26: $268KJul '26: $267KJul '25Oct '25Jan '26Apr '26Jul '26

For-sale inventory · county (Zillow)

16202424Jul '25: 22Aug '25: 23Sep '25: 20Oct '25: 19Nov '25: 18Dec '25: 18Jan '26: 18Feb '26: 17Mar '26: 18Apr '26: 20May '26: 22Jun '26: 24Jul '26: 24Jul '25Oct '25Jan '26Apr '26Jul '26

Daily active vs pending · Union County (MLS)

27139251Sep 07 · Active: 241Sep 09 · Active: 238Sep 11 · Active: 245Sep 12 · Active: 247Sep 13 · Active: 247Sep 14 · Active: 244Sep 15 · Active: 247Sep 07Sep 12Sep 15ActivePending

Median price · daily recalculation

$166K$223K$280K$168KAug 06: $278KAug 08: $278KAug 09: $278KAug 10: $278KAug 11: $278KAug 12: $278KAug 13: $278KAug 15: $278KAug 17: $278KAug 18: $278KAug 19: $278KAug 20: $278KAug 21: $278KAug 22: $278KAug 23: $278KAug 24: $278KAug 26: $278KAug 28: $278KAug 29: $278KAug 30: $278KAug 31: $278KSep 01: $278KSep 04: $278KSep 05: $278KSep 06: $278KSep 07: $278KSep 08: $278KSep 09: $278KSep 10: $278KSep 11: $278KSep 12: $168KSep 13: $168KSep 14: $168KSep 15: $168KAug 06Aug 17Aug 28Sep 07Sep 15
Single-family 81%? 11%Condo 4%Townhome 3%Half Duplex 0%
Local Economics · county layer

What’s driving 32054

Who’s moving here
+68 net residents/yr

Movers arriving report ~$43,628 average income. Source: IRS SOI county-to-county migration, 2022-2023

Insurance reality check
$1,392/yr avg premium

63 Citizens policies in force in Union County — the state-backed insurer of last resort. Budget insurance into any Union purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026

Building pipeline
45 units permitted 0% YoY

45 single-family · 0 multi-family · 2.9 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025

Momentum Research Desk

The calls we’re making from today’s data

Biggest move
Whispering Pines ▼ 10%

The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.

What we’re telling clients today

Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.

Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.

Compare Markets

Nearby ZIP codes in Union

MarketMedianActiveScore
32054 ← this page$168K257
30512$600K2238Open →
Community Movers

Neighborhoods on the move

Prices rising fastest
LAKESIDELake Mary$549K▲ -4%
Whispering PinesJacksonville$168K▲ -10%
Prices cooling fastest
Whispering PinesJacksonville$168K▼ 10%
LAKESIDELake Mary$549K▼ 4%
Most homes for sale
LAKESIDELake Mary$549K1
Whispering PinesJacksonville$168K1
Selling fastest
LAKESIDELake Mary$549K21 days
Whispering PinesJacksonville$168K64 days
Explore Deeper

Cities in this ZIP

Most active communities

Keep Going

Put this data to work

Plain Answers

The questions people actually ask

Should I buy a house in 32054 right now?

The data says conditions currently favor neither side decisively in 32054 — the Momentum Score reads 57/100. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.

Is 32054 becoming more affordable?

Yes, modestly — the median sale price in 32054 is $168,000, down 7.9% versus the prior year, while sellers still capture 98.1% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.

Where are prices falling fastest in 32054?

Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Whispering Pines (-10%); LAKESIDE (-4%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.

Which 32054 neighborhoods are most competitive?

Measured by speed of sale, the fastest-moving tracked communities right now are LAKESIDE (21 days); Whispering Pines (64 days) — homes there go under contract well ahead of the market-wide pace of 42 days.

Questions

32054 (Lake Butler) housing market FAQ

How is the housing market in 32054 right now?

As of September 15, 2026, the 32054 housing market is roughly balanced: the median sale price is $168,000 (down 7.9% year over year), 2 homes are for sale, and the typical home goes under contract in about 42 days.

How much is a house in 32054?

The median home sold for $168,000 in 32054 over the last 12 months, about $139 per square foot; asking prices on the 2 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.

Is it a good time to sell a house in 32054?

By the numbers, sellers in 32054 are getting 98.1% of asking price and going under contract in about 42 days. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.

What is the 32054 housing market forecast?

Momentum Realty publishes the recorded trend, not a prediction: 32054 median sale prices are down 7.9% year over year, and 28% of listings are under contract. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.

What is the median home price in 32054?

The median sale price in 32054 is currently $168,000, down 7.9% from a year ago, based on MLS sales data updated September 15, 2026.

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

The data currently is roughly balanced. 32054 scores 57 of 100 on the Momentum Score. Conditions change; this page updates daily.

How long do homes take to sell in 32054?

The typical home in 32054 goes under contract in about 42 days, per current MLS data.

How many homes are for sale in 32054?

There are approximately 2 active listings in 32054 as of September 15, 2026.

Are home prices in 32054 rising or falling?

Median sale prices are down 7.9% year over year based on a rolling comparison of MLS sales.

Put this data to work

Momentum agents use this intelligence every day to price listings and write winning offers across 32054 (Lake Butler). Talk through what the numbers mean for your move.

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Methodology & Accountability

Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use live listing counts refreshed twice daily; the Momentum Score methodology is summarized .

Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: September 15, 2026 at 7:33 PM ET

Find homes What's my home worth?

Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.

Selling in this ZIP? Weigh the numbers first: the Florida sell-now-or-wait scoreboard, why 201,552 Florida listings failed to sell in 12 months, and cash offer vs. listing, both numbers. Compiled from MLS records; deemed reliable but not guaranteed.