The median home in Palatka, Florida is valued at $198,128, down 0.1% year over year. Typical monthly rent is $1,316, producing a price-to-rent ratio of 12.5x — below the national average of 18x. Palatka is part of the Palatka, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$198,128

-0.1%

Rent$1,316/mo

Prices falling — better for buyers.

Affordability

Enter your income for Palatka.

Income (annual)

Down Payment

$39,626 on $198,128

Example: $75,000 household income. Change it above to see your own.

Affordable23.9% of income

Under the 28% guideline.

PITI$1,494

P/I23.9%

Afford$232K

Room+$34K

P&I $1,002Tax $142Ins $350

Renting $178/mo cheaper ($1,316 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Palatka with other housing markets across Florida.

Jupiter Island$9.49M Golden Beach$7.5M Fisher Island$6.39M Lake Buena Vista$6.09M Jupiter Inlet Colony$3.62M Manalapan$3.57M Golf$2.87M Boca Grande$2.63M

Full Palatka, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Palatka, FL metro.

View Palatka, FL metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.