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Palatka, FL

Cost of living in Putnam County, FL

Estimated monthly cost
$2,524/mo
for a single person, all categories combined

Population 74,235 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $759 30%
Healthcare $480 19%
Federal tax $361 14%
Groceries $352 14%
Transport $320 13%
Energy $197 8%
Water $55 2%
State tax $0 0%

Rent in Putnam County

Fair Market Rents by bedroom count.

Studio
$754
per month
1 bedroom
$759
per month
2 bedroom
$996
per month
3 bedroom
$1,263
per month
4 bedroom
$1,321
per month

Source: HUD FMR FY2025

Income and earnings in Putnam County

Annual earnings figures from the Census ACS.

Household income
$47,256
per year
Individual earnings
$32,148
per year
Per capita
$26,908
per year

Source: ACS 2019-2023 5-Year.

Home values in Putnam County

Average values reported by homeowners.

Average home value
$147,300
Annual property tax
$1,196

Source: ACS 2019-2023 5-Year

Energy costs in Putnam County

Estimated monthly electricity and gas costs.

Electricity
$176
per month · 16¢/kWh
Natural gas
$21
per month
Annual total
$2,364
per year

Source: EIA

Healthcare in Putnam County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
15.1%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Putnam County

State and local tax rates for Florida.

No state income tax
Florida does not levy a personal income tax.
State sales tax
6.0%
Combined sales tax
7.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Putnam County

Commute patterns and estimated costs.

Average commute
30.7 min
Drive alone
77.7%
Public transit
0.2%
Work from home
9.6%

Source: ACS

Monthly cost estimates for Putnam County

What it costs to live in Putnam County each month.

Single person
$2,524
per month
  • Rent $759
  • Energy $197
  • Water $55
  • Groceries $352
  • Transport $320
  • Healthcare $480
  • Federal tax $361
  • State tax $0
Couple
$3,616
per month
  • Rent $996
  • Energy $236
  • Water $65
  • Groceries $583
  • Transport $420
  • Healthcare $864
  • Federal tax $452
  • State tax $0
Family
$6,041
per month
  • Rent $1,263
  • Energy $296
  • Water $75
  • Groceries $885
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $452
  • State tax $0

Frequently asked questions about Putnam County

Common questions about cost of living, rent and salary.

What is the average rent in Putnam County?

In Putnam County, FL, a one-bedroom apartment averages $759 per month, a two-bedroom averages $996 per month, a three-bedroom averages $1,263 per month, according to HUD Fair Market Rent data.

What is the average salary in Putnam County?

In Putnam County, FL, the average household income is $47,256 per year and individual earnings for full-time workers average $32,148 per year, according to U.S. Census Bureau data.

What is the cost of living in Putnam County?

The estimated cost of living in Putnam County, FL is approximately $2,524 per month for a single person, $3,616 for a couple, $6,041 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Putnam County?

The combined sales tax rate in Putnam County, FL is 7.01%, which includes the Florida state rate of 6.00% plus an average local rate of 1.01%.

Is Putnam County an affordable place to live?

Based on the data, a single person in Putnam County, FL would need approximately $2,524 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $47,256 per year ($3,938 per month). Putnam County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Putnam County?

The ACA marketplace benchmark premium in Putnam County, FL is approximately $480 per month for an individual. Approximately 15.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Putnam County?

The average home value in Putnam County, FL is $147,300, with average annual property taxes of $1,196, according to U.S. Census Bureau data.

How does Putnam County compare to other areas?

You can compare Putnam County, FL with any other US county using our comparison tool at /compare. Putnam County is in the Palatka, FL metro area.

Other counties in Florida

Browse the full list of counties in Florida, ranked by cost of living.

See all counties in Florida

Compare Putnam County with another area

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About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources