Palatka, FL

The affordability dashboard for Palatka, FL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 27,132 residents, then layers in county-level federal data to produce an overall grade of D (43/100). The headline inputs are median household income of $47,796, median home value of $165,500, median rent of $951 per month, and 12.7% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,155 per month (studio $874, 1BR $880, 3BR $1,452, 4BR $1,529). Department of Labor data lists infant center-based childcare at $8,167 per year, consuming 17% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are income, education. Unemployment currently reads 8.0% and poverty 23.4% — numbers worth keeping alongside the headline grade.