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·Palatka Metro

Palatka Metro

Name: Palatka Metro housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Palatka Metro Market Report

Top 10 ZIPs by size — 7.32% mortgage rate — Updated 10/27/2026

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<iframe src="https://lotvox.com/embed/metro/palatka" width="100%" height="260" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Palatka Metro — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/metro/palatka?utm_source=embed&utm_medium=backlink">Palatka Metro housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Listings Flow Ladder — Palatka

Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Sep 30, 2026

the basin is fillingnet 16 listings/mo

Faucet — new listings: 57/mo; 93% of normal (61) · normal
Basin — active listings: 259; 96% of normal (270) · high
Months of supply: 6.3 mo; derived — not published at this grain
Drain — closed sales: 41/mo; 92% of normal (45)
Net — faucet minus drain: +16/mo; filling
Reading: current; as of 2026-09-30

Compare against:

2015-01-01 to 2019-12-31 · 5 same-month points

How plugged is the drain? Two definitions, both ours, deliberately not reconciled.

9%Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
8%Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month

Closed sales over 24 months — two different numbers, deliberately not merged.

16/mofall in the monthly rate (28%)— peak 57/mo (2025-06-30) to 41/mo now
99transactions that did not happen— summed monthly shortfall vs the same-month normal, over 20 months below it (vs 2015-19 (COVID excluded))
rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.

2026-09-30

Redfin market data (county + ZIP), via Lotvox. As of 2026-09-30. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). Aggregated over a fixed panel of 6 zips — the panel is fixed so a change in who reports cannot look like a change in the market. months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month.

Verified county coverage:Putnam County, FL Clay County, FL

Tracked ZIPs

Avg Score

Avg Median

$228,381

Market

Buyer's

Avg Composite

59/100

Avg Median Price

$228,381

Avg Rent

$935/mo

Avg Burden

30.6%of income

Buyer Leverage — Should I Buy in Palatka?

Avg Buyer Score

11 ZIPs analyzed

Strong Buyer

Moderate

Balanced

Seller Favored

Strong Seller

Best for Buyers

32112Crescent City81

32666Melrose76

32140Florahome76

32189Satsuma75

32181Pomona Park72

Most Competitive

32177Palatka51

32187San Mateo58

32131East Palatka61

32139Georgetown65

32148Interlachen66

MODERATE — Palatka has mixed conditions, pockets of opportunity

ZIP	City	Score	Median Price	YoY	Burden	Buy/Rent	DOM	Supply	Gap %
32177	Palatka	57	$207,709	+1.1%	28.8%	Buy	75d	4.4mo	+29.5%
32148	Interlachen	74	$168,411	+2.2%	24.5%	Buy	137d	13.3mo	-34.6%
32189	Satsuma	47	$202,850	-2.0%	31.4%	Rent	89d	9.5mo	+75.4%
32112	Crescent City	44	$207,193	-2.3%	34.8%	Rent	110d	11mo	—
32139	Georgetown	83	$224,579	+2.3%	26.1%	Rent	166d	10.5mo	—
32666	Melrose	68	$310,627	+2.3%	30.8%	Rent	62d	9.2mo	-13.1%
32140	Florahome	46	$210,952	+1.5%	39.7%	Neutral	114d	2.5mo	—
32131	East Palatka	68	$266,945	+1.0%	26.4%	Rent	111d	3.8mo	—
32181	Pomona Park	58	$222,092	+1.8%	32.4%	Rent	106d	4.5mo	—
32193	Pomona Park	40	$262,449	-3.3%	31.2%	Rent	148d	8.5mo	—

32177

Palatka, putnam county

Median Price

$207,709

YoY

+1.1%

Payment Burden

28.8%

Buy vs Rent

Buy

Days on Market

Supply

4.4 mo

Rent

$1,371

Val. Gap

+29.5%

32148

Interlachen, putnam county

Median Price

$168,411

YoY

+2.2%

Payment Burden

24.5%

Buy vs Rent

Buy

Days on Market

137

Supply

13.3 mo

Rent

$1,175

Val. Gap

-34.6%

32189

Satsuma, putnam county

Median Price

$202,850

YoY

-2.0%

Payment Burden

31.4%

Buy vs Rent

Rent

Days on Market

Supply

9.5 mo

Rent

$735

Val. Gap

+75.4%

32112

Crescent City, putnam county

Median Price

$207,193

YoY

-2.3%

Payment Burden

34.8%

Buy vs Rent

Rent

Days on Market

110

Supply

11 mo

Rent

$787

Val. Gap

—

32139

Georgetown, putnam county

Median Price

$224,579

YoY

+2.3%

Payment Burden

26.1%

Buy vs Rent

Rent

Days on Market

166

Supply

10.5 mo

Rent

$906

Val. Gap

—

32666

Melrose, clay county

Median Price

$310,627

YoY

+2.3%

Payment Burden

30.8%

Buy vs Rent

Rent

Days on Market

Supply

9.2 mo

Rent

$629

Val. Gap

-13.1%

32140

Florahome, clay county

Median Price

$210,952

YoY

+1.5%

Payment Burden

39.7%

Buy vs Rent

Neutral

Days on Market

114

Supply

2.5 mo

Rent

$1,076

Val. Gap

—

32131

East Palatka, putnam county

Median Price

$266,945

YoY

+1.0%

Payment Burden

26.4%

Buy vs Rent

Rent

Days on Market

111

Supply

3.8 mo

Rent

$957

Val. Gap

—

32181

Pomona Park, putnam county

Median Price

$222,092

YoY

+1.8%

Payment Burden

32.4%

Buy vs Rent

Rent

Days on Market

106

Supply

4.5 mo

Rent

$776

Val. Gap

—

32193

Pomona Park, putnam county

Median Price

$262,449

YoY

-3.3%

Payment Burden

31.2%

Buy vs Rent

Rent

Days on Market

148

Supply

8.5 mo

Rent

$937

Val. Gap

—

Median price and 12-month change: Zillow Home Value Index (ZHVI); where a ZIP has no ZHVI value, the county assessor average. Days on market: Redfin Data Center, rolling 90 days; months of supply: Redfin Data Center. Rent: Zillow Observed Rent Index (ZORI); where a ZIP has no ZORI value, the Census ACS county rent.

Compare Top 3 ZIPs

Palatka Metro

Palatka Metro Market Report

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Buyer Leverage — Should I Buy in Palatka?

Every ZIP market page in Palatka Metro (9)

Putnam County, FL