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Putnam County, FL

RANK #935 / 996  ·  POP 73,604  ·  FL

PROJECTED GROWTH: -2.3%

Putnam County ranks in the bottom tier of U.S. counties on economic momentum.

[01] Why Putnam County?

Putnam County, Florida, is often recognized for its "Old Florida" ambiance and a lifestyle centered around its waterways. The county seat, Palatka, sits on the St. Johns River, one of the few rivers globally that flows north. This location, approximately 45 minutes south of Jacksonville, offers a blend of small-town charm and access to larger urban centers. Outdoor recreation is a significant draw, with opportunities for boating, fishing, kayaking, and hiking along the St. Johns River, Crescent Lake, and in areas like Ravine Gardens State Park. The county also features numerous other lakes and natural springs, providing diverse settings for activities such as swimming, birdwatching, and horseback riding in state forests.

Life in Putnam County is characterized by a relaxed, small-town atmosphere. Many residents own their homes, and the community has a notable population of retirees. While a significant portion of the workforce commutes outside the county for employment, local job opportunities exist in sectors like healthcare, construction, and retail. The economy is seeing investment in commercial and residential development, energy, infrastructure, and manufacturing. Efforts are underway to enhance the Port Putnam, aiming to boost economic opportunities and improve infrastructure for cargo handling. The county also focuses on workforce development and broadband initiatives.

[02] Market Snapshot

Housing Ratio
3.4x

Undervalued relative to economy

GDP Growth
+0.5%

Well below national median

Home Prices
-0.1%

Prices declining

Climate & Terrain
2.4

Moderate climate & terrain

Price/Rent
8x

Strong rental yield

Housing looks undervalued at 3.4x — home prices are low relative to local economic output. The typical U.S. county is 4–6x.

[03] Signal Profile

[04] Home Value Growth vs National

Putnam County U.S. National

The Numbers

DEMOGRAPHICS
Population
73,604
+0.62% YoY
Median Household Income
$44,852
Median Home Value
$125,700
-0.11% 12mo
Median Rent
$844
Average Annual Pay
$51,592
+3.3% YoY
Employment
17,320
+2.0% YoY
Income-to-Home-Value
0.3568
More affordable than average
Migration Inflow
3.83%
of pop. from another state

Market Activity

REAL ESTATE
Median Sale Price
$265,000
Days on Market
91
Slower market
Months of Supply
7.3
Buyer's market
Sale-to-List Ratio
94.8%
Negotiation room for buyers
Sold Above List
15.4%
Listings w/ Price Drops
28.5%
Building Permits (2024)
110
Single-Family Permits
110

Source: Redfin · Census BPS — Browse sales on Redfin →

[05] Capital Investment

$4,440M
TOTAL
PROJECT AMOUNT STATUS
Outer Beltway Extension & New Shands Bridge
State of Florida
$2,000M Planned
Seminole Combined Cycle Facility (Natural Gas)
Seminole Electric Cooperative, Inc.
$1,183M Operating
Solar Farm Portfolio (7 projects)
Florida Power & Light (FPL), Origis Energy, FRP Tupelo Solar, LLC
$522M Operating
Lagasse Motorsports Complex
Lagasse Motorsports
$300M Announced
CertainTeed Gypsum Wallboard Factory Expansion (Project Inverness)
CertainTeed Interior Products Group (Saint-Gobain)
$235M Under Construction
FPL Battery Storage Plant
Florida Power & Light (FPL)
$200M Under Construction

Source: public records, news, corporate announcements. Amounts are estimates where noted.

[06] Score Breakdown

GDP Growth +0.5% 12 percentile
Population Growth +0.6% 58 percentile
Income Growth +12.2% 96 percentile
Vacancy Rate 0.9% 64 percentile
Home Price Change -0.1% 29 percentile
Rent Growth -1.0% 5 percentile
Price/Rent 8x 99 percentile

Bars show percentile rank among all 996 counties.

[07] Frequently Asked Questions

Is Putnam County, FL a good place to move to?

Putnam County has a Boom Town Index score of 6/100, ranking #935 among 996 U.S. counties. With job growth at +2.0% and a median household income of $44,852, it faces some economic headwinds compared to faster-growing counties.

Is Putnam County affordable?

The median home value in Putnam County is $125,700 with median rent at $844/month. The income-to-home-value ratio is 0.3568, which is more affordable than the national average.

Is Putnam County growing or shrinking?

Population growth: +0.6% year-over-year. Job growth: +2.0%. Home values changed -0.1% in the past 12 months.

Are people moving to Putnam County?

Yes — 3.83% of Putnam County's population moved from another state, which is above the national average and indicates strong in-migration.

[08] Similar Metros

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