HomeFloridaPutnam CountyPalatka
Palatka, Florida: commercial real estate data.
Palatka is a Census city of 10,650 people across 9.85 square miles of land, in Putnam County. Median household income is $32,021, 50.8 percent of occupied homes are owned, and the SBA record carries 11 7(a) approvals to borrowers here worth $11.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Palatka
What Palatka is
- Census place typecity
- Land area9.85 sq mi
- Water area0 sq mi
- Population per square mile of land1,081
- County holding the largest share of its areaPutnam County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palatka
How many people live in Palatka
- Population10,650
- Median age35.3
- Population under 182,948
- Share under 1827.7 percent
- Population 65 and over1,985
- Share 65 and over18.6 percent
- Households4,246
- Family households2,339
- Share of households that are families55.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palatka
Income and work in Palatka
- Median household income$32,021
- Per capita income$20,076
- Civilian labor force3,723
- Employed3,378
- Unemployed345 plus or minus 187
- Unemployment rate9.3 percent plus or minus 4.9
- Adults 25 and over6,737
- Adults 25 and over with a high school diploma or higher77.7 percent
- Adults 25 and over with a bachelor degree or higher10.7 percent plus or minus 3.4
- Adults 25 and over with a graduate degree5.2 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palatka
Housing in Palatka
- Housing units4,574
- Occupied units4,246
- Vacant units328 plus or minus 131
- Vacancy rate7.2 percent plus or minus 2.8
- Owner occupied2,155
- Renter occupied2,091
- Ownership rate50.8 percent
- Median owner-occupied home value$150,500 plus or minus $37,236
- Median gross rent, monthly$901 plus or minus $240
- Annual rent as a share of median income33.8 percent plus or minus 10.3
- Single family units2,917
- Share single family63.8 percent
- Units in buildings of two or more1,559 plus or minus 326
- Share in buildings of two or more34.1 percent
- Mobile homes92 plus or minus 70
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palatka
How Palatka gets to work
- Workers 16 and over who commute3,026
- Commuting under 15 minutes1,136 plus or minus 304
- Share commuting under 15 minutes37.5 percent plus or minus 8.9
- Commuting 30 minutes or more981 plus or minus 319
- Share commuting 30 minutes or more32.4 percent plus or minus 9.8
- Drove alone73.4 percent
- Carpooled14.1 percent plus or minus 6.6
- Public transport2.3 percent plus or minus 1.8
- Walked2.0 percent plus or minus 2.2
- Worked from home7.9 percent plus or minus 4.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Palatka
SBA loans in Palatka (7(a))
- Approvals11
- Gross approval$11,282,100
- Average approval$1,025,645
- Median approval$740,000
- Largest approval$4,256,000
- Jobs supported83
- Jobs per approval7.5
- Loans with a final outcome2
- Paid in full1
- Charged off1
- Median term300 months
- Share on real estate terms of 20 years or more54.5 percent
- Share to franchises36.4 percent
- Distinct lenders8
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Palatka, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Palatka
SBA loans in Palatka (504)
- Approvals20
- Gross approval$18,804,000
- Average approval$940,200
- Median approval$558,000
- Largest approval$3,759,000
- Jobs supported232
- Loans with a final outcome4
- Charged off0
- Median term300 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Palatka, in any county, FY2010 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Palatka
Flood risk in Palatka
- NFIP communityCity of Palatka
- NFIP community number120273
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/02/12
The City of Palatka participates in the National Flood Insurance Program as community 120273 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Putnam County, not Palatka
Putnam County context, not Palatka figures
- Establishments in Putnam County1,331
- Covered employment, Putnam County17,320
- Average annual pay, Putnam County$51,592
- Housing units permitted, Putnam County110
Every figure in this section is published for Putnam County as a whole and is not a measurement of Palatka.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Palatka questions, answered from the record.
How many people live in Palatka, Florida?
10,650, in 4,246 households. Palatka city covers 9.85 square miles of land, which is 1,081 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Palatka in?
Putnam County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Palatka?
$32,021. The median owner-occupied home is valued at $150,500. Median gross rent is $901 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Palatka businesses?
11 7(a) approvals totaling $11.3 m since FY2020, across 8 lenders, median approval $740,000, plus 20 504 approvals worth $18.8 m since FY2010. These count approvals to borrowers whose address is in Palatka, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Palatka borrowers get paid back?
No rate is published for Palatka. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Palatka in the National Flood Insurance Program?
Yes. Palatka appears in the FEMA Community Status Book as Palatka, city of, community 120273, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Palatka figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Putnam County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Palatka.
Is zoning published for Palatka?
No. Nothing on this page presents parcel level zoning.
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