Palatka 32177

Palatka, FL · Putnam County, FL · 14,814 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

56affordability /100

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

Payment burden
26.9%
affordable
Days on market
104
daily
Price cuts
26.3%
of active
Valuation
+27.7%
vs assessor
Look up an address
64
/100
stable
warming · buyer advantage · 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

51/ 100SellerBalancedBuyer
Balanced Market
DOM: 75d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)40
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)75
Days on Market (5%)75

Balanced market in 32177. List price is roughly fair — focus on condition and value. Payment burden: 26.9% of median income. Median days on market: 75. Renting is approximately 9% cheaper than buying (price-to-rent ratio: 13.1).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
WARMINGBUYER ADVANTAGE

Market is warming with rising prices. Buyers have strong negotiating leverage.

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Market snapshoteach number, once

Median price
$210,601
▴ 1.9% YoY
Days on market
104
daily · zip_data
Median rent
$1,343
ZORI
Investor score
82/100
cash-flow lens
Active listings
116
90-day

Valuation3 lenses, different anchors

vs assessor
+27.7%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$268,900
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$164
Price-to-income4.4×

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How 32177 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

22SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply26.7 mo
Days on Market104d
Inv vs History-9.6%
Listing Density11.1/1k
Market dynamics
Price cut %26.3%
Momentumwarming
LeverageBUYER ADVANTAGE
Months of supply26.7
Sales (90d)0
Investment analysis
Median rent$1,343
Price-to-rent13.1
Est. cap rate5.0%
Buy vs rentfavors buying

Livability

Walk score6
Transit score1
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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Nearby ZIP codes

32131
East Palatka
$271,422
+1.9%
32189
Satsuma
$204,892
-2.6%
Palatka Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Putnam County