Median home value in zip code 32177 (Palatka, FL) is $203,368, up 0.7% year over year. Part of the Palatka, FL metropolitan area.

Home Value$203,368

YoY Change

+0.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 32177 (Palatka).

Income (annual)

Down Payment

$40,674 on $203,368

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

Affordable24.4% of income

Under the 28% guideline.

PITI$1,524

P/I24.4%

Afford$234K

Room+$30K

P&I $1,028Tax $146Ins $350

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

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

Metro Analysis

32177 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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