Putnam County, Florida home prices
Typical home $216,313 · +0.7% in a year · property tax 0.78%
The typical home in Putnam County is worth $216,313, 42% less than the Florida typical home ($375,361). Values changed +0.7% in the past year and +13.4% over five years. Homeowners here pay a median 0.78% of their home's value in property tax each year ($1,685 on the typical home), versus 0.8% statewide.
Mortgage on the typical Putnam County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $43,263 | $173,050 | $1,164 | $0 | $249 | $1,413 | $60,500 |
| 10% down | $21,631 | $194,682 | $1,310 | $81 | $249 | $1,639 | $70,300 |
| 5% down | $10,816 | $205,497 | $1,382 | $86 | $249 | $1,717 | $73,600 |
| 3.5% down (FHA) | $7,571 | $212,395 | $1,429 | $96 | $249 | $1,773 | $76,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.78% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Palatka metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dixie County | $217,764 | +2.5% | 0.62% |
| Washington County | $220,578 | +1.0% | 0.46% |
| Hamilton County | $207,098 | +5.9% | 0.73% |
| Madison County | $206,128 | -2.4% | 0.83% |
| Highlands County | $231,284 | -1.4% | 0.72% |
| Liberty County | $201,245 | +4.9% | 0.9% |
| Gadsden County | $199,661 | -0.3% | 0.53% |
| Hardee County | $235,001 | +1.3% | 0.82% |
| Taylor County | $196,856 | +6.1% | 0.65% |
| De Soto County | $250,420 | +0.4% | 0.83% |
Frequently asked questions
What is the average home price in Putnam County, FL?
The typical home value in Putnam County is $216,313 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Putnam County?
About $60,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Putnam County?
The median effective rate is 0.78% of home value a year (Census ACS 2024 5-year estimates).