What is the cost of living in Palatka, FL?
According to the most recent data on the cost of living, Palatka has an overall cost of living index of 88, which is 0.9x lower than the national index of 100.
Compared to Florida, Palatka has a cost of living index that's 0.8x lower than Florida's index of 104.
The standard of living in Palatka ranks as #5 most affordable out of the 462 places we measured in Florida. By definition, that implies Palatka ranks as the #457 most expensive place in the Sunshine State.
For more reading on life in Palatka, check out:
Palatka Cost Of Living Vs. Florida
Six factors go into calculating the cost of living index in Palatka. Here is how it fares on each of the criteria:
The Services index in Palatka is 100.
The Groceries index in Palatka is 103.
The Health index in Palatka is 52.
The Housing index in Palatka is 104.
The Transportation index in Palatka is 111.
The Utilities index in Palatka is 110.
| Living Expense | Palatka | Florida | National Average |
|---|---|---|---|
| Overall | 88 | 104 | 100 |
| Services | 100 | 101 | 100 |
| Groceries | 103 | 105 | 100 |
| Health | 52 | 99 | 100 |
| Housing | 104 | 104 | 100 |
| Transportation | 111 | 109 | 100 |
| Utilities | 110 | 105 | 100 |
Palatka Cost Of Living Compared To Florida Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Florida, check out:
Protect your home budget Compare home warranties in Palatka Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Palatka, FL Housing Cost Breakdown
Housing swings affordability the most between places in Florida, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Palatka is $206,962.
The Median Rent in Palatka is $901.
The Median Income in Palatka is $32,021.
The Home Value To Income in Palatka is 6.5x.
The Rent To Monthly Income in Palatka is 0.34x.
Palatka, FL Costs By Category
Detailed Palatka Services costs vs. Florida
Detailed Palatka Groceries costs vs. Florida
Detailed Palatka Health costs vs. Florida
Detailed Palatka Transportation costs vs. Florida
Palatka SnackAbility
Cost Of Living In Cities Around Palatka
The cost of living varies in the cities and towns around Palatka. Here's a quick look at the cost of living in the most populous nearby places:
Gainesville, FL has a cost of living index of 104, 1.2x Palatka.
Ormond Beach, FL has a cost of living index of 109, 1.2x Palatka.
Fruit Cove, FL has a cost of living index of 130, 1.5x Palatka.
| City | Population | Cost Of Living | Vs. Palatka |
|---|---|---|---|
| Gainesville, FL | 145,702 | 104 | 1.2x |
| Ormond Beach, FL | 43,976 | 109 | 1.2x |
| Fruit Cove, FL | 35,877 | 130 | 1.5x |
| Lakeside, FL | 32,105 | 102 | 1.2x |
| Oakleaf Plantation, FL | 32,070 | 115 | 1.3x |
| Fleming Island, FL | 29,766 | 117 | 1.3x |
| Jacksonville Beach, FL | 23,654 | 133 | 1.5x |
| Palm Valley, FL | 19,796 | 139 | 1.6x |
| Bellair-Meadowbrook Terrace, FL | 14,755 | 98 | 1.1x |
| Middleburg, FL | 11,644 | 102 | 1.2x |
