Palatka
Homes for Sale in Palatka, FL

Community in Palatka · Putnam County · ZIP 32177
Median sale $220K
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Live Market Pulse
52/100
Market Heat
Normal for Palatka
2013 → 2026 · 82 at the 2021 peak
0 is Palatka's coldest market since 2013, 100 its hottest. Today: 52. How it's scored
Built fromLive realMLS data25 years of closingsUpdated twice daily
Live · Palatka Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)
Price
$220K
Median sold · 12 mo
up 0.0% vs the prior 12 months
+0.0%
1-yr price change
n = 22 and 21 sales in the two windows
$156/sf
Sold $/sqft · 12 mo
peak $156 in 2026
92.8%
Sale vs ask
+356%
T12M median vs 2012
from a $48K median in 2012
Tempo
45days
Median DOM · closed
30 days at the 2022 low
22
Sold · last 12 mo
10-yr average: about 19 a year
Ownership and context
36%
Cash buyers · Palatka
5 of 14 sales, 12 mo ending July 2025
Track record · 25 years of records
12
Failed listings · 2026
peaked at 54 in 2008
1,424sqft
Median sold home size
12-mo windows, closed sales
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Price in Palatka is driven more by condition and specifics of the individual property than by any single neighborhood premium. The median sits at $220,100, and around it the spread is wide — a renovated home and a project house can be a long way apart. Read each listing on its own merits rather than anchoring to the median.

The current posture is balanced, not frantic. A market heat score of 52 and a median of roughly 44 days on market tell you sellers should price to condition and buyers have room to do diligence. With year-over-year price movement flat, this is a market that rewards patience on both sides over speed.

Palatka Housing Pulse · Momentum Research · as of July 11, 2026

Palatka right now

🟡 Still climbing. The trailing-12-month median ($220K) is up 0.0% from the prior 12 months ($220K) and up 356% since 2012. With about 19 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 11. Confidence: High (22 and 21 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

Updated July 11, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Palatka market snapshot (as of July 11, 2026): the median sale price is about $220K ($156 per sq ft over the trailing 12 months of closed sales), and a median 45 days on market for closed sales. The trailing-12-month median is up 0% from the prior 12 months and up 356% since 2012, computed from record-level realMLS closed sales (22 closings in the current window).

Palatka, the seat of Putnam County, is a Northeast Florida market where value tracks condition closely and homes generally take about a month and a half to sell — enough time to inspect carefully and negotiate on the facts.

Windows contain 6 to 29 sales each (22 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo
$100K$200K20122014201620182020202220242026
Up 0.0% year over year; up 356% since 2012.
Every sale since 2001 · price vs size
$0$250K$500K$750K2k4k6k
354 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$50$100$15020122014201620182020202220242026
Up from $27 in 2012 to a $156 peak in 2026; $156 now.
Median days on market · closed sales
5010020122014201620182020202220242026
30 days at the 2022 low; 45 now.
Sale price vs original ask · median
80%90%100%20122014201620182020202220242026
92.8% now.
Homes sold per 12-mo window
010203020122014201620182020202220242026
6 to 29 a year; 22 in the current window.
Sellers who gave up · failed listings per year
020402004200820122016202020242026
Canceled, expired, or withdrawn. 54 quit in 2008; 12 so far in 2026. The clearest stress gauge a community has.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning2014201620182020202220242026
82 at the 2021 peak, 18 in the troughs, 52 now. Same score as the hero card, full history.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Putnam County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,231/mo
Putnam County typical true cost to own
$112/mo
Putnam County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

How much local inventory is already under contract

24% of homes for sale in ZIP 32177 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-10).

A condition-driven market on the St. Johns corridor

The long arc here is notable: values are up 356% since 2012. That is history, not a forecast, and it says nothing about what comes next — but it does frame Palatka as a market that has repriced substantially over more than a decade. The near-term picture is flatter, with year-over-year change essentially 0%, so recent momentum has cooled to steady.

At a median around $156 per square foot, cost per foot is modest by regional standards, which is part of why condition matters so much. A low per-foot figure often reflects homes that need work, so budget honestly for what a given property actually requires. The recent sample is thin — 22 closings in the window — so treat comps as directional and lean on a local read rather than assuming a tight, liquid market.

Why work with Momentum here

In a thin, condition-driven market like Palatka, the difference between a fair deal and a costly one is in the details — inspection findings, comparable quality, and days-on-market discipline. We price and negotiate to the actual condition of the home in front of you, not to a headline median, and we will tell you plainly when a listing is priced ahead of what it is.

Palatka in 15 seconds.

Best forBuyers who want affordable per-foot pricing and are comfortable evaluating condition closely.
Biggest advantageA balanced pace that leaves real room for inspections and negotiation.
Biggest riskA thin sample of closings makes comps directional rather than definitive.
Sweet spotA well-maintained home priced honestly to condition near the $220,100 median.
Avoid ifYou need a fast, liquid resale or a turnkey home with no project work.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Palatka sales matched to your home.

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Frequently Asked Questions

What is the median home price in Palatka?
The median sale price in Palatka was $220K over the 12 months ending July 11, 2026 (22 closed sales, realMLS).
How long do homes in Palatka take to sell?
Homes that closed in the 12 months ending July 11, 2026 took a median 45 days on market (22 sales, realMLS).
Do cash buyers compete in Palatka?
Cash buyers took 36% of Palatka sales in the 12 months ending July 2025 (5 of 14 closings, realMLS).
Have Palatka home prices gone up?
The trailing-12-month median is up 356% since 2012, from $48K to $220K (realMLS closed records).
Who is the best real estate agent for Palatka?
The best agent for Palatka is one who actively works Palatka and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Palatka.
How do I find a top Palatka real estate agent who knows Palatka?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Palatka and the wider Palatka area.
Can Momentum Realty connect me with an agent for Palatka?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Palatka purchase or sale - no call center and no pressure.
Value-focused buyers targeting a modest per-foot price who can assess or manage conditionExcellent fit
Renovation-minded buyers willing to budget for repairs on a project propertyExcellent fit
Patient sellers ready to price to condition and accept roughly a month and a half on marketExcellent fit
Buyers needing to close fast in a highly liquid, high-volume marketProbably not
Buyers wanting a strictly turnkey home with no condition riskProbably not
Sellers expecting a quick sale or near-term price jumps on top of flat year-over-year movementProbably not

Data sources & freshness

Community market statsrealMLS closed sales, 12-month windows ending July 11, 2026
Under-contract sharesrealMLS records, as of 2026-07-10
Historical depthClosed-sale records back to 2001 (354 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

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