Georgetown 32139

Palatka, FL · Putnam County, FL · 4,548 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

60affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
24.5%
affordable
Days on market
55
daily
Price cuts
0.0%
of active
Look up an address
87
/100
strong
warming · balanced · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

65/ 100SellerBalancedBuyer
Negotiate Hard
DOM: 62d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)100
Supply & Demand (20%)100
Days on Market (5%)75

Moderate buyer leverage in 32139. Room to negotiate 5-10% below list. Payment burden: 24.5% of median income. Median days on market: 62. Market appears 81% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
WARMINGBALANCED

Market is warming with rising prices. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$229,526
▴ 2.8% YoY
Days on market
55
daily · zip_data
Median rent
$844
county avg
Investor score
35/100
cash-flow lens
Active listings
7
90-day

Valuation3 lenses, different anchors

vs assessor
—
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$0
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+67.3%
County-wide market — the widest, slowest signal.
Putnam+67.3%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$177
Price-to-income4.0×

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How 32139 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

19SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply32.0 mo
Days on Market55d
Inv vs History+5.3%
Listing Density24.6/1k
Market dynamics
Price cut %0.0%
Momentumwarming
LeverageBALANCED
Months of supply32
Sales (90d)0
Investment analysis
Median rent$844
Price-to-rent22.7
Est. cap rate2.6%
Buy vs rentfavors renting

Livability

Walk score—
Transit score—
Bike score—

Historical trends

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Putnam County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Palatka Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Putnam County