Putnam County, Florida: commercial real estate data.
Putnam County, Florida had an estimated 77,301 residents on July 1, 2024, up 5.4 percent since the 2020 census base of 73,325, across 728 square miles. County output reached $3.50 bn in 2024, 1,331 establishments operate here, and the SBA record carries 19 7(a) approvals worth $16.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Putnam County
How many people live in Putnam County
- Population, American Community Survey 2020-202475,164
- Households31,360
- Average household size2.40
- Median household income$47,934
- Median age45.0
- Median gross rent$906 per month
- Median owner-occupied home value$160,300
- Home value to household income3.3 times
- Annual rent as a share of median income22.7 percent
- Adults 25 and over with a bachelor degree or higher14.5 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over53,876
- Population under 1815,954
- Share under 1821.2 percent
- Population 65 and over17,887
- Share 65 and over23.8 percent
- Working age population, 18 to 6441,323
- Civilian labor force28,940
- Unemployment rate7.4 percent
- Labor force participation, adults 18 and over48.9 percent
- Rank by population among Florida counties40th of 67
- Rank by population among US county-equivalents, Puerto Rico included752nd of 3,222
Putnam County is the 40th largest of 67 Florida counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 23.8 percent against 21.2 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Putnam County
Is Putnam County's population growing?
- Population, July 1, 202477,301
- Census 2020 base population73,325
- Population change since the 2020 census base5.42 percent
- Population change, 2023 to 20241,090
- Births, 2024800
- Deaths, 20241,165
- Natural change, 2024-365
- Net domestic migration, 20241,177
- Net international migration, 2024277
- Total net migration, 20241,454
- Cumulative net domestic migration, 2021 to 20244,995
- Rank by growth among US county-equivalents481st of 3,144
The county has grown 5.42 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Putnam County
Where are people moving to Putnam County from?
- Tax returns filed by households arriving2,300
- People arriving, from those returns4,176
- Tax returns filed by households leaving1,805
- Net household movement495
- Adjusted gross income arriving$117.7 m
- Net adjusted gross income movement$45.9 m
- Average income of an arriving household$51,167
- Average income of a leaving household$39,780
- Largest single originSt. Johns County (278 households)
- Largest single destinationSt. Johns County (181 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Johns County | 278 | 519 | $15.2 m |
| Clay County | 181 | 366 | $9.2 m |
| Duval County | 175 | 296 | $9.7 m |
| Alachua County | 163 | 292 | $8.3 m |
| Volusia County | 121 | 242 | $4.9 m |
| Flagler County | 89 | 171 | $4.4 m |
| Marion County | 67 | 131 | $2.4 m |
| Broward County | 42 | 72 | $2.5 m |
Households arriving report $11,387 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is St. Johns County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Putnam County
What is the Putnam County economy?
- County GDP, 2024$3.50 bn
- County GDP, 2023$3.45 bn
- GDP change, 2023 to 20241.5 percent
- GDP change over five years44.7 percent
- Rank by GDP among the Florida areas BEA publishes41st of 67
- Rank by GDP among the US county areas BEA publishes893rd of 3,127
- GDP per resident$46,557
Output grew 1.5 percent in the latest year and 44.7 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Putnam County
Employment by industry in Putnam County
- Covered employment, annual average17,320
- Establishments reporting1,593
- Average annual pay$51,592
- Average weekly wage$992
- Retail trade, employment2,681
- Retail trade, average annual pay$33,704
- Health care and social assistance, employment2,420
- Health care and social assistance, average annual pay$56,236
- Manufacturing, employment1,780
- Manufacturing, average annual pay$75,135
- Accommodation and food services, employment1,764
- Accommodation and food services, average annual pay$23,406
- Construction, employment1,465
- Administrative and support and waste management services, employment705
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 2,681 | 247 | $33,704 |
| Health care and social assistance | 2,420 | 208 | $56,236 |
| Manufacturing | 1,780 | 50 | $75,135 |
| Accommodation and food services | 1,764 | 121 | $23,406 |
| Construction | 1,465 | 290 | $49,234 |
| Administrative and support and waste management services | 705 | 98 | $58,016 |
| Agriculture, forestry, fishing and hunting | 606 | 34 | $37,300 |
| Other services, except public administration | 457 | 102 | $36,571 |
Retail trade is the largest private sector at 2,681 jobs, 15.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Putnam County
How many businesses are in Putnam County?
- Establishments, all industries1,331
- Employment at those establishments13,231
- Annual payroll$578.2 m
- Establishments per 1,000 residents17.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Putnam County
Building permits in Putnam County
- Housing units authorized by permit, 2024110
- Declared construction value permitted$25.5 m
- Single family units authorized110
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$231,894
- Units authorized per 1,000 households3.5
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Putnam County
SBA loans in Putnam County (7(a) and 504)
- 7(a) approvals recorded19
- 7(a) gross approval dollars$16.6 m
- Average 7(a) approval$871,532
- Median 7(a) approval$649,000
- Largest single approval$4,256,000
- Jobs reported supported, 7(a)122
- Jobs per approval6.4
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals15
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer42.1 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter10
- Franchise loans4
- Franchise share of approvals21.1 percent
- Leading industry by approval countOffices of All Other Miscellaneous Health Practitioners (3)
- 504 approvals recorded27
- 504 gross approval dollars$21.4 m
- Average 504 approval$792,000
- Median 504 approval$438,000
- Distinct CDCs active3
- 504 jobs per approval10.0
- 504 jobs per million dollars approved12.7
- Most active CDCFlorida First Capital Finance Corporation, Inc. (18)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$37.9 m
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Putnam County
SBA loan default and charge-off rates in Putnam County
Do SBA loans in Putnam County get paid back?
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Paid in full3
- Status: Exempt from disclosure8
- Status: Cancelled6
- Status: Charged off1
- Status: Committed, not yet disbursed1
Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Putnam County
SBA lending by place in Putnam County
- Borrower cities with recorded lending7
- Palatka, approvals11
- Green Cove Springs, approvals3
- Georgetown, approvals1
- Port Orange, approvals1
- Pomona Park, approvals1
- Interlachen, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Palatka | 11 | $11,282,100 |
| Green Cove Springs | 3 | $2,965,000 |
| Georgetown | 1 | $1,345,000 |
| Port Orange | 1 | $802,000 |
| Pomona Park | 1 | $100,000 |
| Interlachen | 1 | $50,000 |
| Hollister | 1 | $15,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Putnam County
How large is Putnam County?
- Land area728 sq mi
- Rank by land area among Florida counties32nd of 67
- Width, east to west37.4 mi
- Height, north to south35.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land103
- Establishments per square mile1.83
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Putnam County
Flood risk in Putnam County
- Participation of the county's own NFIP community Putnam County, unincorporated areasParticipating, community 120272
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
- Radon levels in Putnam County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Putnam County (community 120272), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Putnam County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 8, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Putnam County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Putnam County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202475,164
- Households31,360
- Average household size2.40
- Median household income$47,934
- Median age45.0
Common questions
Putnam County questions, answered from the record.
How many people live in Putnam County, Florida?
The Census Bureau estimates 77,301 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 75,164, in 31,360 households, ranking 40th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Putnam County's population growing?
The population has grown 5.42 percent since the 2020 census base of 73,325, to 77,301 on July 1, 2024. In 2024 there were 800 births against 1,165 deaths, with net migration of 1,454. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Putnam County?
$47,934. The median owner-occupied home is valued at $160,300, which is 3.3 times income, and median gross rent is $906 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Putnam County?
1,331 establishments, employing 13,231 people with an annual payroll of $578.2 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Putnam County?
Retail trade is the largest private sector at 2,681 jobs, 15.5 percent of covered employment. Covered employment averages 17,320 jobs at an average annual pay of $51,592, or $992 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Putnam County?
19 7(a) approvals totaling $16.6 m since FY2020, across 14 lenders, with a median approval of $649,000, plus 27 504 approvals worth $21.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Putnam County?
110 housing units were authorized by permit in 2024, with a declared construction value of $25.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Putnam County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Putnam County come from?
The largest single origin is St. Johns County, with 278 households. Arriving households report an average income of $51,167 against $39,780 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Putnam County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Putnam County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Putnam County
Cities and places in Putnam.
6 Census places lie wholly or partly in Putnam County. All 6 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Palatka | city | 10,650 | 11 | Wholly in this county |
| Crescent City | city | 1,944 | None recorded | Wholly in this county |
| Interlachen | town | 1,923 | 1 | Wholly in this county |
| East Palatka | CDP | 1,494 | None recorded | Wholly in this county |
| Welaka | town | 1,082 | None recorded | Wholly in this county |
| Pomona Park | town | 755 | 1 | Wholly in this county |
A further 6 of the county's 19 SBA 7(a) approvals are to borrowers in cities that match no Census place in Putnam County, the largest being Green Cove Springs (3), Georgetown (1), Port Orange (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby