Palatka, FL Utility & Living Guide

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Palatka, FL Utility & Living Guide

Palatka is a city in and the county seat of Putnam County, Florida, United States. Palatka is the principal city of the Palatka Micropolitan Statistical Area, which is home to 72,893 residents.

Last updated: July 8, 2026
Total Utilities$255/mo
1BR Rent$812/mo
Sales Tax7%
COL Index85 (-10% below national average)
Family Score7/10
Median Home$210,400
📷 Live Cameras — Palatka
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🌤️ Live Weather — Palatka
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Living in Palatka, summers are intense — Aug highs average 90.0°F, while winters stay mild, with Jan lows rarely below 49.8°F. At just 349 heating degree days per year, home heating costs are minimal. The area receives 50.4 inches of rainfall per year. Within 5 miles: 20 parks, 3 groceries, 8 dining spots and 13 schools. For hospital care, the nearest facility is in a neighboring city. Median household income: $63,047. With a 28.0% poverty rate and 80.1% homeownership, the community reflects a stable residential mix. Nearby cities: Pomona Park (11mi S), Green Cove Springs (24mi N), St. Augustine South (24mi NE). Air quality is Good — avg AQI 38 over the past week.
📍 City Briefing
Living in Palatka, summers are intense — Aug highs average 90.0°F, while winters stay mild, with Jan lows rarely below 49.8°F. At just 349 heating degree days per year, home heating costs are minimal. The area receives 50.4 inches of rainfall per year. Within 5 miles: 20 parks, 3 groceries, 8 dining spots and 13 schools. For hospital care, the nearest facility is in a neighboring city. Median household income: $63,047. With a 28.0% poverty rate and 80.1% homeownership, the community reflects a stable residential mix. Nearby cities: Pomona Park (11mi S), Green Cove Springs (24mi N), St. Augustine South (24mi NE). Air quality is Good — avg AQI 38 over the past week.
⚠️ Natural Hazard History — Palatka
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🔌 Utilities
🏠 Housing
📊 Cost of Living
💰 Taxes
👨‍👩‍👧 Families
🧮 Tools

Monthly Utility Costs

⚡ Electric

$120/mo

City of Palatka Utilities
🔥 Gas

—

N/A
💧 Water

$45/mo

City of Palatka Utilities
🗑️ Garbage

$25/mo

City of Palatka
📶 Internet

$65/mo

Combined Average Overhead$255/month

Housing Market

Rent & Property
1 Bedroom$812/mo
2 Bedrooms$903/mo
3 Bedrooms$1128/mo
Median Home Price$210,400
Property Tax Rate0.98%
Avg Childcare/mo$700

Housing in Palatka is affordable compared to Florida averages. Older homes dominate the market, with newer developments limited.

Cost of Living

Overall COL Index

85

US national avg = 100
vs National Avg

-10% below national average

Groceries

92

Transportation

88

Healthcare

95

Childcare/mo

$700

Tax Rates

Tax Overview
Total Sales Tax7%
Property Tax Rate0.98%
<p>State 6% + County 1%</p>

Florida has no state income tax.

Family & Relocation

Family Vibe Score
7/10
Safety Index

55

Higher = safer
School Rating

6.0/10

GreatSchools avg
Avg Childcare

$700/mo

City Pulse

Population Trend
+3% growing
Political Climate
Red
Business Momentum
Moderate with healthcare and agriculture industries
Top Local Concerns
flooding, job opportunities, infrastructure maintenance
🚌 Transit for Families

Limited public transit; most families rely on personal vehicles.

🎡 Top Kid Attractions
  • 🎯
    Ravine Gardens State Park
  • 🎯
    St. Johns River Center
  • 🎯
    Florida Azalea Festival

Best Neighborhoods for Families

Historic District offers walkable amenities. Westside has newer homes near schools.

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Estimate your real monthly cost of living in Palatka based on your household profile.

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📊 Palatka — Census & Demographic Data

Official data from the US Census Bureau, American Community Survey.

💰 Median Household Income
$63,047
👤 Median Age
37.4
🏠 Homeownership Rate
80.1%
🔑 Renter Rate
19.9%
📉 Poverty Rate
28.0%
💼 Unemployment Rate
1.3%
📡 Internet Access
70.5%
🎓 College Educated
9.9%
📍 Palatka City Stories
Jul 8, 2026

Palatka, Florida — City Overview

Living in Palatka, summers are intense — Aug highs average 90.0°F, while winters stay mild, with Jan lows...

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Data sourced from BLS, HUD, Numbeo, SmartAsset, and local government sources. US Census Bureau ACS 2022, Wikipedia

Last verified: July 8, 2026 · For utility emergencies contact your provider directly.

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