Palatka inventory tracker.
How many homes are on the market in Putnam County right now, what's selling, and how that compares to last quarter. Months-of-supply by area and price band — including the unique St. Johns River waterfront segment.
The state of Palatka inventory.
Putnam County's housing inventory has rebuilt aggressively since 2022. At 6.4 months of supply, the market sits firmly in buyer's-market territory — the highest months-of-supply of any North Florida market Momentum tracks.
Palatka's market is structurally different from typical Florida metros. Population is smaller (~73K county-wide), the buyer pool is thinner, and a meaningful share of inventory is either older mid-century homes, manufactured housing on acreage, or St. Johns River waterfront. None of these segments move at the same pace as suburban tract homes in larger metros.
What it means in practice: Palatka buyers in 2026 have substantial leverage. Sellers who price right still move; sellers who anchor to optimistic comps sit on the market for months. The waterfront segment moves on its own rhythm tied to seasonal demand from out-of-state buyers and Jacksonville-area weekenders.
| Submarket | Active Listings | Months of Supply | YoY Change |
|---|---|---|---|
| Palatka (city + immediate suburbs) | 135 | 5.8 | +20% |
| Interlachen / Florahome | 65 | 7.2 | +24% |
| Crescent City / Pomona Park | 55 | 6.5 | +22% |
| East Palatka / San Mateo | 42 | 5.4 | +18% |
| St. Johns River waterfront | 48 | 8.6 | +28% |
| Welaka / Satsuma | 40 | 6.8 | +25% |
Months of supply = active listings ÷ trailing 30-day pace of sales. Numbers as of May 17, 2026. River-waterfront inventory operates as a partially-separate market with smaller buyer pool.
Inventory by price band.
Palatka's price band distribution skews low compared to most Florida metros. Entry-level inventory (under $200K) is real and active here, primarily older mid-century homes and manufactured housing on acreage. The mid-market ($250K-$450K) is the largest segment by volume. The luxury and waterfront segments are small in absolute terms but disproportionate in inventory months.
Investment dynamics matter here. Palatka has been a target for out-of-state investors seeking entry-priced rental inventory, but as Florida property tax and insurance costs have risen, some of that investor inventory has been listed for sale, creating additional supply pressure.
| Price Band | Active Listings | Months of Supply | Market Condition |
|---|---|---|---|
| Under $150K | 55 | 4.2 | Balanced (slight seller) |
| $150K - $250K | 105 | 5.4 | Balanced |
| $250K - $350K | 95 | 6.0 | Buyer's market |
| $350K - $500K | 70 | 7.5 | Buyer's market |
| $500K - $750K | 35 | 9.8 | Strong buyer's market |
| $750K+ (incl. waterfront) | 25 | 13.2 | Strong buyer's market |
5-6 months is generally considered balanced. The luxury and waterfront segments in Palatka have smaller absolute buyer pools than equivalent price bands in larger metros, which extends absorption times.
Putnam County is the most buyer-leveraged market Momentum tracks. If you're shopping in Palatka right now, you have real negotiating power — particularly above $350K and especially on river waterfront inventory that has sat 90+ days. Sellers need to be realistic: the buyer pool here is smaller than in St. Augustine or Gainesville, so optimistic comp-anchored pricing punishes sellers more here than anywhere else in North Florida.
Data pulled from NEFAR RealMLS Summary Statistics covering Putnam County. Active listings counted as of the date noted. Months of supply calculated by dividing active listings by trailing 30-day sales pace.
Primary sources: NEFAR RealMLS Summary Statistics · Putnam County records · MLS active listings. Data accuracy reflects Momentum Realty's best available information as of the last update date.
Important: Information on this page is for general informational purposes only and is not financial, legal, tax, or insurance advice. Always consult a licensed professional for guidance specific to your situation.
Affiliated Business Arrangement: The principal owners of Momentum Realty, Jon Brooks and Brittany Brooks, have a 50% ownership interest in Titan Title Services LLC. You are not required to use Titan Title Services LLC. There are frequently other settlement service providers available with similar services; you are free to shop around to determine that you are receiving the best services and rate. See full disclosures →
Last updated: Q2 2026 (May). Next refresh: Q3 2026 (August).