Palatka, FL Utility & Living Guide
Living in Palatka offers a charming small-town atmosphere with access to the scenic St. Johns River.
Total Utilities$255/mo
1BR Rent$800/mo
Sales Tax7%
COL Index85 (-10% below national average)
Family Score7/10
Median Home$180,000
🌤️ Live Weather — Palatka
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⚠️ Natural Hazard History — Palatka
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💰 Budget Calculator
🔌 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
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $800/mo |
| 2 Bedrooms | $950/mo |
| 3 Bedrooms | $1200/mo |
| Median Home Price | $180,000 |
| Property Tax Rate | 0.98% |
| 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 Tax | 7% |
| Property Tax Rate | 0.98% |
| <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.
Household Budget Calculator
Estimate your real monthly cost of living in Palatka based on your household profile.
Local Briefing & Neighborhood Pulse
Live Local News
Short-term rental restrictions apply in some neighborhoods. Flood zone compliance is required for riverfront properties.
Home prices rose 12% in 2023 due to inland migration trends. Local wages lag behind housing cost increases.
Financial Tools
Calculators
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
Planning Tools
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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