HousingHandbookReference data

U.S. ZIP Code · FL32177

Putnam County

Typical home value

$209,672[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+1.6%
5-year / yr
+4.6%
10-year / yr
+9.0%

Relative price

vs U.S.
-26.2%
vs metro
vs state
-39.5%
ZIP 32177 location in FL
Location of ZIP 32177 in FL

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 32177 is worth $209,672. Over the past year, values have risen 1.6%. Homes here rent for a typical $1,328 a month — a 7.6% gross rental yield. The effective property tax rate is 0.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,328[2]
Gross yield
7.6%[2]
Cap rate
4.6%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.8%[3]
Typical annual tax
$1,659[3]

#Climate risk

FEMA National Risk Index ratings for Putnam County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Moderate
Coastal flood
Relatively Low
Wildfire
Relatively Moderate
Drought
Relatively Low
Heat wave
Relatively Low
Hurricane
Relatively High
Tornado
Relatively Moderate
Earthquake
Very Low
Winter weather
No Rating

#Who lives here

Population
25,645[3]
Median household income
$47,796[3]

#Migration

Household moves in and out of Putnam County over a year, from IRS tax-return data.

Net migration
+586[5]
Moved in
2,290
Moved out
1,704

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
11
Elementary
6
Middle
1
High
1
  • PALATKA JR - SR HIGH SCHOOL

    High · Grades 7–12 · PUTNAM

    1,606 students

  • KELLEY SMITH ELEMENTARY SCHOOL

    Elementary · Grades K–6 · PUTNAM

    752 students

  • WILLIAM D. MOSELEY ELEMENTARY SCHOOL

    Elementary · Grades K–6 · PUTNAM

    585 students

  • JAMES A. LONG ELEMENTARY SCHOOL

    Elementary · Grades K–6 · PUTNAM

    542 students

  • MELLON LEARNING CENTER

    Other · Grades PK–12 · PUTNAM

    291 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield7.6%
Net yield (after ~40% expenses)4.6%
Annual rent$15,930

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,060
Loan principal$167,738
Down payment$41,934
Total interest paid$213,940

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio1.03
Monthly cost to own$1,373
Monthly rent$1,328

Owning and renting are roughly even.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
[1]
Rental yield
[2]
Property tax
[3]

Frequently asked

How much is a home worth in ZIP code 32177?
The typical home in 32177 is worth $209,672, based on the Zillow Home Value Index.
Are home values rising in 32177?
Home values in 32177 are up 1.6% over the past year, and up 4.6% a year over five years.
What is the typical rent in 32177?
A typical home in 32177 rents for about $1,328 a month, a gross rental yield of 7.6%.
What is the property tax rate in 32177?
The effective property tax rate in 32177 is 0.8% — roughly $1,659 a year on a typical home.
Who lives in 32177?
ZIP code 32177 has a population of 25,645 and a median household income of $47,796.

Compare ZIPs

Pit ZIP 32177 against any other ZIP — full side-by-side table.

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