Moving to Palatka, Florida: The 2026 Data Guide
As of 2026-10-01, the median home sold in Palatka, Florida over the last 12 months went for $290,000 (74 closings across 69 communities in Momentum’s MLS record), about $180 per square foot for a median 1,627-sq-ft home built around 1988. Homes currently listed have been on the market a median of 50 days, and with 31 active listings against that sales pace the city is carrying roughly 5.0 months of supply. Sellers have been getting about 98% of their original asking price. That median is 28% below the median across Momentum’s Florida and Georgia coverage.
Palatka right now — October 2026
Live pages for your move: 106 homes for sale in Palatka · Homes by ZIP (1 ZIPs) · Price reductions · What your budget buys in Putnam County · Property tax · Putnam County homes for sale.
MLS closed sales and live inventory, Momentum Research; refreshed nightly. Updated October 1, 2026.
What your budget buys in Palatka
Three price points from 92 recent Palatka closings in our record, each showing what actually closed within 10% of that price:
- Around $175,000: the typical sale in this band was a 3-bed, 1-bath home of about 1,068 sq ft, built around 1957 (13 sales).
- Around $290,000: the typical sale in this band was a 4-bed, 2-bath home of about 1,703 sq ft, built around 1999 (19 sales).
- Around $326,990: the typical sale in this band was a 4-bed, 2-bath home of about 1,812 sq ft, built around 2025 (22 sales).
The real monthly cost of owning in Palatka
Take the median $290,000 home with 20% down at today’s 7.03% 30-year rate: principal and interest run about $1,548/month. Putnam County’s typical total millage is 16.89 mills, so after the $50,000 homestead exemption the property tax is roughly $4,053/year ($338/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Putnam County is about $1,345/year; private-market quotes vary with roof age and wind mitigation. All in, budget on the order of $1,998/month to own the median Palatka home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Putnam County property tax guide and our home insurance by county map.
Where people are buying: Palatka’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Nobles Crossing | 11 | $326,990 | 50 |
| Rudds | 7 | $291,720 | 147 |
Palatka by ZIP code
Sales and medians by ZIP over the same 12 months: 32177 (90 sales, median $250,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 80% were single-family homes. New construction accounted for 47% of closings, led by Nobles Crossing, Rudds, St Johns Harbor. The housing stock skews older: 28% of homes sold were built in 2015 or later and 45% before 1980.
Getting around from Palatka
Measured from the center of Palatka’s recent sales: St. Augustine is about 27 miles; Gainesville is about 40 miles; Ocala is about 43 miles; Downtown Jacksonville is about 48 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Putnam County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Putnam County’s typical millage of 16.89; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Putnam County average of $1,345/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Palatka: the case for and against
What works in Palatka’s favor
- prices run 28% below the statewide median in our coverage
- 47% of sales are new construction, so builder incentives and warranties are part of the market
- insurance is comparatively manageable here (Citizens average $1,345/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Palatka relocation toolkit
Common questions about moving to Palatka
How much does a house cost in Palatka, FL?
What does it cost per month to own a home in Palatka?
What are property taxes like in Palatka?
Is Palatka a buyer's or seller's market right now?
Is there a lot of new construction in Palatka?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Palatka communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Putnam County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.