States · Florida · Putnam County

Florahome, Florida.

Typical home $211,178 (+1.0% in a year). Palatka, FL metro.

What it costs per month · Florahome $1,108/mo

to buy the typical home at today's mortgage rate — +$592 (+115%) since Jan 2020.

What the home itself did
1 year
Up $2,138 +1%
$209,040$211,178 since Sep 2025
5 years
Up $17,256 +9%
$193,922$211,178 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Florahome $1,108 Florida $1,970 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Florahome$1,108
  • Florida$1,970
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 41 years.

Typical home values in Florahome, FL rose 1.0% over the past year — in step with the nation.

Living in Florahome, Putnam County, Florida

The Census does not count Florahome on its own, so the figures here are Putnam County's. Half the county's households earn more than $47,934 a year and half less; 23% of the county's people live below the poverty line. 75% of the county's homes are lived in by their owners and 25% are rented. Unemployment in Putnam County was 5.6% in August 2026, and the county had 1.7% more jobs in 2025 than the year before. The most people in Putnam County work in schools and health care, then construction.

People 75,000 about, in Putnam County: the Census does not count Florahome on its own
Household income $47,934 the median in Putnam County, give or take $2,163
Unemployment 5.6% Putnam County, August 2026; 5.2% a year before
Homes 75% lived in by their owners; 25% rented

Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Florahome is a town in Putnam County, in northern Florida. The county figures show that residents are older on the whole than most Americans, and most homes are lived in by their owners. Winters are mild and summers are hot, with a good deal of rain falling over the year.

Work. Many residents work in schools, hospitals and social care, in the building trades, in shops, or in professional and business services. Joblessness has risen a little over the past year, although the county has added jobs in that time. Incomes are below the national typical level, a larger share of people live below the poverty line than across the country, and fewer adults hold a four-year degree than in most of the country. Many people commute, and relatively few work from home.

Things to do. Etoniah Creek State Forest, a protected area in or beside town, is the closest place to walk and spend time outdoors. Mike Roess Gold Head Branch State Park, another protected area, is a short drive away. Kingsley Lake, a lake a longer drive away, offers a different kind of outing.

Report a mistake
  • 31,360households
  • 45.0median age
  • 14%of adults have a degree
  • 23%below the poverty line
  • 30 mintypical commute
  • 10%work from home

What people in Putnam County work in

  • Schools, hospitals and social care21%
  • Building trades13%
  • Shops (retail)11%
  • Professional and business services9%
  • Restaurants, hotels and entertainment9%
  • Manufacturing9%

Employed residents by industry, from the Census survey. Putnam County had 17,617 jobs in 2025, 1.7% more than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 68° and 45°; warmest in July, 92° and 74° 40° 50° 60° 70° 80° 90° 100° J 68° 45° F M A M J J 92° 74° A S O N D
Average daily high and low for each month: coldest in January, 68° and 45°; warmest in July, 92° and 74° 40° 50° 60° 70° 80° 90° 100° J 68° 45° F M A M J J 92° 74° A S O N D

Coldest in January, with highs near 68° and lows near 45°; warmest in July, with highs near 92° and lows near 74°. About 53 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Starke weather station, 19 miles away (NOAA).

Largest employers in Putnam County

  1. Putnam County School District (K-12)1,527
  2. Georgia -Pacific, Palatka Operations982
  3. Putnam County Government756
  4. St. Johns River State College489
  5. Wal-Mart408
  6. Putnam Community Medical Center378
  7. Eaze Florida LLC360
  8. St. Johns River Water Management District321

From Putnam County’s annual financial report for 2025, its schedule of principal employers (its source: “FYE 2024 - Sources & Notes:”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.

Natural hazards

  1. HurricanesRelatively high
  2. LightningRelatively high
  3. WildfireRelatively moderate
  4. TornadoesRelatively moderate
  5. Inland floodingRelatively moderate
  6. Strong windRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Putnam County, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Putnam County and the Palatka, FL metro.

Florahome home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$100,000 $200,000 $300,000 $400,000 2018 2020 2022 2024 2026 Florahome $211,178 Florida $375,361 United States $366,157
$100,000 $200,000 $300,000 $400,000 2018 2022 2026
  • Florahome$211,178
  • Florida$375,361
  • United States$366,157

When this market ran hot

Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

8 10 12 15 18 2018 2019 2020 2021 2022 2023 2024 2025 2026 Florahome 14
8 10 12 15 18 2018 2022 2026
  • Florahome14

Zip codes with a Florahome address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Florahome — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Florahome