Rental numbers for Putnam County, FL
The typical home here runs -$577 a month at 7.78% with 25% down, breaking even at about 1.9%. 0 of 1 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 7.9%.
- Gross yield
- 7.5%
- typical home, Zillow
- Median ZIP yield
- 7.9%
- 1 ZIPs with full data
- Cash flow
- -$577/mo
- at 7.78%, 25% down
- Typical price
- $218,000
- Zillow ZHVI, Aug 2026
- Typical rent
- $1,374/mo
- Zillow ZORI, Aug 2026
ZIP codes in Putnam County
10 with published figures
| 32112Crescent City | $208,000 | $1,550* | 8.9% | 4.5% | -$347 | n/a |
| 32177Palatka | $210,000 | $1,384 | 7.9% | 3.5% | -$521 | -2.1% |
| 32640Hawthorne | $235,000 | $1,430* | 7.3% | 3.1% | -$655 | n/a |
| 32131East Palatka | $268,000 | $1,570* | 7.0% | 3.2% | -$739 | n/a |
| 32148Interlachen | $170,000 | $970* | 6.9% | 2.2% | -$597 | n/a |
| 32189Satsuma | $203,000 | $1,000* | 5.9% | 1.8% | -$792 | n/a |
| 32181Pomona Park | $222,000 | $1,080* | 5.8% | 1.8% | -$874 | n/a |
| 32187San Mateo | $246,000 | $1,140* | 5.6% | 1.8% | -$947 | n/a |
| 32193Pomona Park | $263,000 | $1,220* | 5.6% | 1.9% | -$1,000 | n/a |
| 32139Georgetown | $226,000 | $1,040* | 5.5% | 1.6% | -$919 | n/a |
* HUD Fair Market Rent, 2 bedroom, where Zillow publishes no rent index. Conservative.
Trends
Five years to August 2026
- Price, 12 months
- +0.7%
- Rent, 12 months
- +0.4%
- Rent minus price growth
- -0.3 pts
- Property tax
- 0.78%
- effective rate, ACS 2024
Show the numbers
| Month | Typical value | Rent |
|---|---|---|
| Aug 2021 | $190,029 | n/a |
| Aug 2022 | $222,285 | n/a |
| Aug 2023 | $216,073 | n/a |
| Aug 2024 | $224,845 | $1,198 |
| Aug 2025 | $216,743 | $1,368 |
| Aug 2026 | $218,349 | $1,374 |
HUD Fair Market Rent
FY2027, Putnam County, FL
| Bedrooms | Studio | 1 bed | 2 bed | 3 bed | 4 bed |
|---|---|---|---|---|---|
| Fair Market Rent | $787 | $792 | $1,040 | $1,307 | $1,377 |
The 40th percentile gross rent for a standard unit, set by HUD each October and used for Section 8 payment standards. It runs below market rent; Zillow's index is shown above where it exists.
Supply
- Permits per 1,000 households
- 3.0
- 95 units, last 12 months
- National percentile
- 35th
- among US counties
Tools
Test a listing in Putnam County against today's rate.
Open the calculatorPart of the Palatka, FL metro.
Questions
- Is Putnam County good for rental property?
- The typical home here runs -$577 a month at 7.78% with 25% down, breaking even at about 1.9%. 0 of 1 ZIP codes with full Zillow data in this county are cash-flow positive; the median gross yield is 7.9%. The figures use a typical home, 7.78% with 25% down and default costs shown on each ZIP page. They describe the market, not any one property.
- What is the property tax rate in Putnam County?
- About 0.78% of value, from Census ACS median taxes paid over median home value. On a $218,000 home that is about $1,701 a year.
- What is Fair Market Rent in Putnam County?
- HUD's FY2027 Fair Market Rent here is $792 for a 1-bedroom, $1,040 for a 2-bedroom and $1,307 for a 3-bedroom. Typical cash flow at today's rate is -$577 a month.
Sources and method
- Zillow Home Value Index (ZHVI), mid tier, smoothed and seasonally adjusted
Zillow Research. Read: 2026-08.
Typical home value by ZIP, county, metro and state, and the price trend.
- Zillow Observed Rent Index (ZORI), all homes plus multifamily, smoothed
Zillow Research. Read: 2026-08.
Typical market rent by ZIP, county and metro, and the rent trend (tier A pages).
- HUD Small Area Fair Market Rents, FY2026
US Department of Housing and Urban Development. Read: FY2026.
Rent by bedroom count for every ZIP. The rent used on tier B pages, and a reference on all pages. It is the 40th percentile gross rent, so it runs below market.
- HUD Fair Market Rents by county, FY2027
US Department of Housing and Urban Development. Read: FY2027.
County rent by bedroom count on county pages.
- American Community Survey 5-year estimates, 2020 to 2024 (B25103 median real estate taxes paid, B25077 median home value, B11001 households)
US Census Bureau. Read: 2020 to 2024.
Effective property tax rate (median taxes paid divided by median value) by ZIP code tabulation area, county and state; households for the permits ratio.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed (FRED series MORTGAGE30US)
Freddie Mac via the Federal Reserve Bank of St. Louis. Read: 2026-09-24.
The weekly 30-year rate. The site adds a disclosed investor premium to it for the loan payment.
- Building Permits Survey, county monthly files
US Census Bureau. Read: 2025-09 to 2026-08.
New housing units permitted in the last 12 months per 1,000 households, a supply-pressure signal.
Data: Zillow Research (ZHVI, ZORI), HUD, US Census Bureau, Freddie Mac. Every formula is on the methodology page.
Estimates from public data for a typical property. Not investment, tax or legal advice. Your property, financing and costs will differ.