Palatka, FL · standard
ZIP Code 32177
Putnam County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 27,132
- 44/sq mi Moderate-density area
- $47,796
- Median income Below-median income area
- $165,500
- Median home value Below-median home value
- 12.7%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
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
- 32nd 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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 32177 (Palatka, FL) rose +5.4% from 2023 to 2024. The all-transactions index moved from 303.1 in 2023 to 319.6 in 2024 (2000 = 100).
ZIP code 32177 is a densely settled ZIP (a standard USPS delivery area) in Palatka, Putnam County, Florida, with 27,132 residents across 618.0 square miles, a density of 44 people per square mile, in the New York time zone.
ZIP 32177 reports a modest median household income of $47,796 (38% below the average Florida ZIP), while per-capita income is $27,569. The poverty rate is 23.4%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $165,500 (56% below the average Florida ZIP), and median rent is $951; owner occupancy is 67.1%.
Formal educational attainment runs low here: just 12.7% of adults hold a bachelor's degree or higher, the median age is 39.9, and the average commute is 24 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Putnam County, so 32177 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 32177
Top 5 sectors by establishment count in Palatka, FL
Which industries have the most business establishments in ZIP 32177.
- Health care and social assistance
Health care and social assistance
117 establishments
- Retail trade
Retail trade
116 establishments
- Other services (except public administration)
Other services (except public administration)
89 establishments
- Construction
Construction
66 establishments
- Accommodation and food services
Accommodation and food services
56 establishments
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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 32177, Palatka, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
27,132
Population
618.0
Area (sq mi)
44
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 32177?
39.9
Median Age
49.2%
Male
50.8%
Female
2.8%
Foreign-Born
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 ZIP avg
$27,569
Per Capita Income
23.4%
Poverty Rate
8.0%
Unemployment Rate
24.0 min
Mean Commute Time
How ZIP 32177 ranks among Florida ZIPs
Palatka, FL household income vs. every Florida ZIP code
Median household income among 946 reporting Florida ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$47,796 10th percentile higher than 10% of 946 Florida ZIPs
Each bar is a $20K-wide band; taller bars hold more Florida 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
11,420housing units
11,420
Total Housing Units
10,444
Occupied Units
976
Vacant Units
2.38
Avg Household Size
Occupancy Type
$165,500
Median Home Value
-56% vs state ZIP avg
$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
17
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 →
ZIP 32177 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32177
Palatka (32177)
27,132 residents
- 32189 5,807
Satsuma (32189)
5,807 residents
- 32131 4,701
East Palatka (32131)
4,701 residents
- 32147 593
Hollister (32147)
593 residents
What this shows Among its immediate neighbors, ZIP 32177 ranks the most populous - useful context the national average alone can't give.
ZIP 32177 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 32131
East Palatka (32131)
$69,416 median income
- 32177
Palatka (32177)
$47,796 median income
- 32189
Satsuma (32189)
$42,920 median income
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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 32177, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (27,132 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Putnam County
Related Areas
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.
Related
Take this with you
What to do with ZIP 32177's numbers, next.
- See how ZIP 32177 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Palatka, FL ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.