Best Places32640, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 32640, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
32640 ranks 27,529th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on state infrastructure by a wide margin, and summer heat is the weak spot.
The best neighborhoods in 32640
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
32640's strengths and weaknesses
Where 32640 ranks high
- State infrastructureBetter than 98% of zip codes
- Low income/sales/gas taxBetter than 95% of zip codes
- Nice weatherabout 114 pleasant days a year, better than 72% of zip codes
- State fiscal healthBetter than 71% of zip codes
- Air qualityBetter than 68% of zip codes
Where 32640 ranks low
- Heat safetyBetter than only 4% of zip codes
- Cheap car insuranceBetter than only 9% of zip codes
- Disaster safetyBetter than only 9% of zip codes
- Internet speedBetter than only 14% of zip codes
- Short commute33.6 minutes each way, better than only 14% of zip codes
What it costs to buy a home in 32640
A household needs to earn about $45,000 a year to comfortably buy the median 32640 home, at 20% down and today's 30-year rate. That is below the area's own median income of $59,698, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 32640's effective rate of 0.74%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 7 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 32640
32640 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 32640.
Who works in 32640, and how
Work in 32640 centers on health care & social and retail trade. Unemployment sits above the national rate, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 83%
- Work from home 13%
- Transit, walk, or bike 4%
Life in 32640
The map and measures below break down dining, culture, and green space by neighborhood across 32640.
What the weather is like in 32640, month by month
32640 sees roughly 114 pleasant days a year. July highs average about 93 degrees. January highs sit near 70, with lows near 42. The comfortable stretch runs October through April.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 70° | 55° | 42° |
| April | 84° | 70° | 55° |
| July | 93° | 81° | 72° |
| October | 85° | 72° | 61° |
Flying in and out of 32640
The nearest airport, Gainesville Regional, is about 15 miles away and is a small airport. The nearest major hub is Jacksonville International, about 66 miles away.
The best schools in and around 32640
Schools across 32640 average a C−, better than 26% of zip codes.
Top elementary schools
- Melrose Elementary SchoolB+ · 52% proficient
- Fort Mccoy SchoolC · 34% proficient
- Robert H. Jenkins Jr Elementary SchoolC · 32% proficient
Top middle schools
- Abraham Lincoln Middle SchoolB+ · 51% proficient
- North Marion Middle SchoolC · 32% proficient
Top high schools
- Keystone Heights Junior/senior HighB+ · 51% proficient
- Eastside High SchoolB · 49% proficient
- North Marion High SchoolC · 31% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 32640 school and its grade on SchoolGrade.
32640 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 32640 against the other 33,109 zip codes.
Common questions about living in 32640
Is 32640 a good place to live?
Using BestNeighborhood's default rankings, 32640 ranks 27,529th of 33,110 zip codes. It scores highest on state infrastructure, low taxes, and the weather, and lowest on summer heat and car insurance costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 32640 expensive to live in?
The median home is worth $172,960. The overall cost of living runs about 16% below the national average. Set against a $59,698 median income, cost of living beats 29% of zip codes.
Is 32640 safe?
Yes, 32640 is safer than 57% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $202 per resident a year.
Compare 32640 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 32640. Scores are absolute rather than ranked, which means a 60 in 32640 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
32640 detail on BestNeighborhood maps:
- Walk Grade for 32640: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 32640: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 32640: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 32640: carrier by carrier coverage behind the cell score.
32640 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.