Palatka, FL · standard

ZIP Code 32177

Putnam County, Florida — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

Reviewed by PlainZIP Editorial Team, ZIP Code Data Editors · June 13, 2026

27,132
44/sq mi: $47,796
Median income: $165,500
Median home value: 12.7%
Bachelor's or higher

The verdict

Palatka pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

12th pct
household income, US ZIPs: 32th pct
home value, US ZIPs: 44
people per sq mi: 67%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 32177 against every reporting US ZIP.

ZIP code 32177 is classified by USPS as a standard delivery area and covers roughly 618.0 square miles in Palatka, Putnam County, Florida. The area is home to 27,132 residents, producing a population density of 44 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 32177 against Florida and the nation.

On the economic side, the median household income for ZIP 32177 sits at $47,796 (38% below the Florida average), while per-capita income is $27,569. The poverty rate stands at 23.4% and the unemployment rate at 8.0%. On housing, the median home value is $165,500 (56% below the state average) with median rent at $951 per month, and 67.1% of occupied units are owner-occupied, a direct signal of whether 32177 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 12.7% of adults hold a bachelor's degree or higher, the median age is 39.9, and the average commute is 24 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Putnam County, so you can benchmark 32177 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 32177

Health care and social assistance

117
Retail trade

116
Other services (except public administration)

89
Construction

66
Accommodation and food services

56

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 32177, Palatka, FL · 2023 Accessed 2026-06-13 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

27,132

Population

618.0

Area (sq mi)

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard

Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.

View Scorecard →

Who lives in ZIP 32177?

39.9

Median Age

49.2%

Male

50.8%

Female

2.8%

Foreign-Born

White 63.9%

African American 27.5%

Asian 0.5%

American Indian or Alaska Native 0.2%

Native Hawaiian or Pacific Islander 0.0%

Two or More Ethnicities 7.1%

Hispanic or Latino 6.9%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$47,796

Median Household Income

-38% vs state

$27,569

Per Capita Income

23.4%

Poverty Rate

8.0%

Unemployment Rate

24.0 min

Mean Commute Time

How ZIP 32177 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$47,796 12th percentile higher than 12% of 30,318 US ZIPs

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 57.1%

Bachelor's Degree or Higher 12.7%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

11,420

Total Housing Units

10,444

Occupied Units

976

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 67.1%

Renter 32.9%

$165,500

Median Home Value

-56% vs state

$951

Median Rent

1981

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+5.4%

YoY Change (2024)

320

HPI Index (2000 = 100)

+220%

Total Change Since 2000

Home values in ZIP 32177 have increased 5.4% over the past year (2024). Since 2000, this ZIP has seen +220% cumulative appreciation.

Year	Annual Change	HPI Index
2020	+10.6%	201
2021	+12.8%	227
2022	+20.4%	273
2023	+11.1%	303
2024	+5.4%	320

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 683 business establishments in ZIP 32177, employing approximately 9,046 people with a combined annual payroll of $437,334,000.

683

Businesses

9,046

Employees

$437.3M

Annual Payroll

Industry Sectors

Industry	Establishments	% of Total
Health care and social assistance	117	17.1%
Retail trade	116	17.0%
Other services (except public administration)	89	13.0%
Construction	66	9.7%
Accommodation and food services	56	8.2%
Professional, scientific, and technical services	44	6.4%
Finance and insurance	38	5.6%
Administrative and support and waste management and remediation services	38	5.6%
Manufacturing	26	3.8%
Real estate and rental and leasing	23	3.4%
Wholesale trade	19	2.8%
Transportation and warehousing	16	2.3%
Information	11	1.6%
Utilities	6	0.9%
Educational services	6	0.9%
Arts, entertainment, and recreation	6	0.9%
Agriculture, forestry, fishing and hunting	4	0.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 32177 vs 32131 →

32177

27,132
32189

5,807
32131

4,701
32147

593

What this shows Among its immediate neighbors, ZIP 32177 ranks the most populous — useful context the national average alone can't give.

32131

$69,416
32177

$47,796
32189

$42,920

What this shows By household income, ZIP 32177 ranks #2 of 3 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

ZIP Code	City	Population	Distance
32131	East Palatka, FL	4,701	8.5 mi
32147	Hollister, FL	593	7.6 mi
32189	Satsuma, FL	5,807	10.0 mi

More ZIP Codes in Putnam County

Putnam County Palatka, FL Florida

Frequently Asked Questions

What county is ZIP code 32177 in? ▼

ZIP code 32177 (Palatka) is located in Putnam County, Florida. Putnam County contains multiple ZIP codes, see the full list at /counties/putnam-fl.

What is the population of ZIP code 32177? ▼

ZIP code 32177 in Palatka, FL has a population of 27,132 according to the Census Bureau ACS 2023 estimates.

What is the median household income in ZIP 32177? ▼

The median household income in ZIP 32177 is $47,796, which is 37% below the national average of $76,288.

What is the average home value in ZIP 32177? ▼

The median home value in ZIP 32177 is $165,500, which is 41% below the national average of $278,155.

What is the demographic makeup of ZIP 32177? ▼

The largest racial group in ZIP 32177 is White at 63.9%. Hispanic or Latino residents make up 6.9% of the population.

How many businesses are in ZIP code 32177? ▼

ZIP code 32177 has 683 business establishments employing approximately 9,046 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.

What are the main industries in ZIP code 32177? ▼

The top industries by establishment count in ZIP 32177 are: Health care and social assistance (117), Retail trade (116), Other services (except public administration) (89). There are 17 industry sectors represented in total.

How have home values changed in ZIP code 32177? ▼

According to the FHFA House Price Index, home values in ZIP 32177 increased by 5.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 220%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.

What is the education level in ZIP code 32177? ▼

In ZIP code 32177, 57.1% of residents aged 25+ have a high school diploma or higher, and 12.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).

What is the average commute time in ZIP 32177? ▼

The mean commute time for workers in ZIP code 32177 is 24.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.

What percentage of residents own vs. rent in ZIP 32177? ▼

In ZIP code 32177, approximately 67.1% of occupied housing units are owner-occupied and 32.9% are renter-occupied, based on Census ACS 2023 data.

What is the poverty rate in ZIP code 32177? ▼

The poverty rate in ZIP code 32177 is 23.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.