What $400K Buys in Putnam County, FL
A $400K budget buys a very different house depending on which Putnam County city you point it at. This page compares every city with at least five active listings within 10% of $400K — size, age, bed and bath count, price per square foot, how much of the inventory is new construction and how long it has been sitting — from today’s live MLS actives, and lists the communities with the most homes at that price. It refreshes every night.
There are 40 homes for sale in Putnam County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 1,692 sq ft, built 1985, at $240/sq ft; 18% of them are new construction and the median has been on the market 96 days. The most house for the money is in Palatka (1,692 sq ft median); the least in Crescent City (1,456 sq ft); the newest in Palatka (median build year 1994).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| Palatka | 11 | 1,692 | 3 / 2 | 1994 | $222 | 45% | 86 |
| Crescent City | 7 | 1,456 | 3 / 2 | 1974 | $282 | 0% | 152 |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Beechers Point | Welaka | 2 | 1,184 | 1974 |
| Interlachen Estate | Interlachen | 1 | 1,692 | 1985 |
| Colonial Pines | Palatka | 1 | 2,500 | 2027 |
| Baughmans | Palatka | 1 | 1,488 | 2026 |
| Whippletree Narrows | Palatka | 1 | 1,984 | 1987 |
| Sportsman Harbor | Welaka | 1 | 1,920 | 2023 |
| St Johns Riverside | Satsuma | 1 | 1,832 | 1975 |
| Crescent Hill | Crescent City | 1 | 1,260 | 1974 |
| Fearnside Terrace | Palatka | 1 | 1,892 | 1940 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of September 23, 2026; property mix at this price: Single-family 72%, Condo 8%. Cities with fewer than five listings in the band are folded out of the city table but still count in the county total. Prices are asking prices, not closings — see the county page for sale-to-list ratios. Source: live MLS feeds compiled by Momentum Research. Other budgets in Putnam County: $300K. Back to homes for sale in Putnam County, FL.