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Putnam County, FL

RANK #89 / 1001 NAT  ·  #2 / 41 FL  ·  POP 75,164

1YR FORECAST: -0.6%

5YR OUTLOOK: +37%

#27 Best Rental Yield #31 Best for Investment
Our model projects Putnam County's housing market to grow -0.6% over the next year, significantly outpacing the national average.

[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.

MARKET PROFILE

Idiosyncratic Markets

Putnam County's data profile doesn't fit any single market profile cleanly — its housing, labor, and demographic signals pull in different directions (home prices +1.1% YoY, population +1.2%, wages +4.4%). About 414 U.S. counties show this kind of mixed-signal pattern.

See all 414 Idiosyncratic Markets counties →

[02] Market Snapshot

Housing Ratio
12.7x

Overvalued relative to economy

Home Prices
+1.1%

Below national median

Climate & Terrain
2.4

Moderate climate & terrain

Price/Rent
10x

Strong rental yield

Housing looks overvalued at 12.7x — home prices are high relative to local economic output. The typical U.S. county is 4–6x.

[03] Top Employers

  1. 1
    Putnam County School Board Education
    1,000+
  2. 2
    Georgia-Pacific Corp. Manufacturing
    500+
  3. 3
    St. Johns River Water Management District Government
  4. 4
    Putnam Community Medical Center Healthcare
  5. 5
    Putnam County Government Government
  6. 6
    St. Johns River State College Education
  7. 7
    Seminole Electric Energy
  8. 8
    Veritas Steel Manufacturing
  9. 9
    HCA Florida Putnam Hospital Healthcare
  10. 10
    Vulcan Materials Company Other

Estimated local headcount ranges. Larger employers shown as floor + "+"; smaller employers show exact counts where reported.

[04] Home Value Growth vs National

Putnam County U.S. National

Bars show trailing 12-month growth. The dashed Forecast bars are the model's next-12-month projection; the whisker marks the ±1% range (cooling–accelerating).

The Numbers

DEMOGRAPHICS
Population
75,164
+1.25% YoY
Median Household Income
$47,934
Median Home Value
$160,300
+1.06% 12mo
Median Rent
$906
Average Annual Pay
$53,883
+4.4% YoY
Employment
17,606
+1.7% YoY
Income-to-Home-Value
0.299
More affordable than average
Migration Inflow
2.91%
of pop. from another state
Bachelor's Degree+
14.5%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$265,000
Days on Market
97
Slower market
Months of Supply
7.8
Buyer's market
Sale-to-List Ratio
95.4%
Negotiation room for buyers
Sold Above List
20.5%
Listings w/ Price Drops
25.9%
Building Permits (2025)
127
Single-Family Permits
91

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

[05] Crime & Safety

D
SAFETY
GRADE
Homicide Rate
8.7
per 100K · nat avg 6.3
Firearm Fatalities
25.2
per 100K · nat avg 14.8
Injury Deaths
147.7
per 100K · nat avg 76.3
vs National Average
Above national avg
based on homicide rate

Source: CDC/NCHS vital statistics via County Health Rankings (2020–2022 avg). Rates per 100,000 population. Grade based on homicide rate relative to national average (~6.3). Learn more →

[06] Air Quality

A
AIR QUALITY
GRADE
Median AQI (3yr)
16.3
Good
Good Air Days
100%
1,016 of 1,019 days
Unhealthy+ Days (3yr)
0
Sensitive groups affected
Primary Pollutant
PM10
Coarse particulate matter
Yearly Trend
2021
16
2022
16
2023
17
Median AQI · lower is better

Source: EPA Air Quality System (2021–2023). Grade based on 3-year average median AQI. Learn about AQI →

[07] 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.

[08] Score Breakdown

Population Growth +1.2% 73 percentile
Income Growth +1.4% 21 percentile
Vacancy Rate 0.7% 77 percentile
Home Price Change +1.1% 40 percentile
Rent Growth +2.0% 35 percentile
Price/Rent 10x 97 percentile

Bars show percentile rank among all 1001 counties.

[09] Frequently Asked Questions

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

Putnam County ranks #89 out of 1001 U.S. counties on the Boom Town Index with a score of 91/100, putting it in the top tier nationally. Job growth of +1.7% and a median household income of $47,934 point to a county with active economic momentum.

Is Putnam County affordable?

Housing in Putnam County is roughly in line with national affordability norms. The median home costs $160,300 and the income-to-home-value ratio sits at 0.30, with rents averaging $906/month. Not a bargain, but not a stretch for most local earners either.

Is Putnam County growing or shrinking?

Putnam County is growing on multiple fronts. Population is up +1.2% year-over-year while employers added jobs at a +1.7% clip. Home values shifted +1.1% in the past year.

Are people moving to Putnam County?

There's a moderate stream of newcomers. About 2.91% of residents moved from another state, which is above average and suggests Putnam County has appeal as a relocation destination — though it's not among the highest-inflow counties nationally.

[10] Similar Counties by Size & Score

Bay County, FL 94 Leon County, FL 86 Monroe County, FL 86 Okaloosa County, FL 85 Walton County, FL 78 Escambia County, FL 70 Pulaski County, KY 91 Chaves County, NM 91