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Palatka city, FL

ZIP 32177 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32177

Median Home Value
$158,800
Median Rent
$725
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,020/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32177 in Palatka city, FL, a household would need roughly $44,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,020. That is roughly in line with the local median household income ($47,486). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.3%-3% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
17.3%-65% vs US avg
x
Mortgage-Free
54.4%+42% vs US avg
x
$158,800
Home Value
$725
Rent
1980
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached61.5%
  • 1-unit attached0.9%
  • 2-9 units13.1%
  • 10+ units3.7%
  • Mobile home & other20.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$158,800
Median rent$725
Owner-occupied63.3%
Vacant8.7%
Price-to-income3.3x
Est. income to buy$44,000