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.

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Home Value$198,128

-0.1%

Rent$1,316/mo

AFFORDABILITY

Enter your income for Palatka.

Income (annual)

Down Payment

$39,626 on $198,128

Affordable — 23.9% 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$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Palatka, FL analysis

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

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PALATKA, FL