Median home value in zip code 32131 (East Palatka, FL) is $264,376, down 0.7% year over year. Part of the Palatka, FL metropolitan area.

Home Value$264,376

YoY Change

-0.7%

Prices falling — better for buyers.

Affordability

Enter your income for 32131 (East Palatka).

Income (annual)

Down Payment

$52,875 on $264,376

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

Stretch30% of income

Above 28% but manageable with cuts.

PITI$1,876

P/I30%

Afford$247K

Gap-$18K

P&I $1,337Tax $189Ins $350

6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

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

Metro Analysis

32131 is part of the Palatka, FL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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