San Mateo 32187
Palatka, FL · Putnam County, FL · 1,105 properties · updated 7/5/2026
Should you buy here?buyer-timing lens
51affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
29.9%
stretched
Days on market
32
daily
Price cuts
0.0%
of active
73
/100
stable
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
Balanced Market
DOM: 56d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)80
Supply & Demand (20%)100
Cancellation Rate (10%)0
Days on Market (5%)60
Balanced market in 32187. List price is roughly fair — focus on condition and value. Payment burden: 30.0% of median income. Median days on market: 56. Market appears 23% overpriced vs. assessed values.
Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
WARMINGBALANCED
Market is warming with rising prices. Conditions are balanced between buyers and sellers.
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Market snapshoteach number, once
Median price
$247,503
▴ 2.6% YoY
Days on market
32
daily · zip_data
Median rent
$844
county avg
Investor score
34/100
cash-flow lens
Active listings
11
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$241
Price-to-income4.9×
How 32187 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.
Affordability, supply & momentum
27SUPPLY
BalancedSupply Tightness
Supply and demand are roughly even — standard negotiation dynamics.
Months of Supply28.0 mo
Days on Market32d
Inv vs History+39.6%
Listing Density15.8/1k
Market dynamics
Price cut %0.0%
Momentumwarming
LeverageBALANCED
Months of supply28
Sales (90d)0
Investment analysis
Median rent$844
Price-to-rent24.4
Est. cap rate2.5%
Buy vs rentfavors renting
Livability
Walk score—
Transit score—
Bike score—
Historical trends
Putnam County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.