Homes for sale in
Putnam County, Florida
River country living on the St. Johns
181
Homes for sale
$272,500
Median list price
$209
Avg price / sqft
32
Median days on market
Putnam County is North Florida at its most unhurried — the St. Johns River threading past small towns like Palatka, Welaka, and Crescent City, with lakes, fish camps, and long stretches of woods in between. It's the kind of place where the water is the main attraction, whether you're after a full-time home or a weekend retreat, and communities like Melrose and Interlachen each carry their own quiet character.
For buyers, this is one of the more affordable corners of the region right now. With 181 active listings and a median list price of $272,500, there's real range here — from starter cottages to riverfront estates — and the waterfront homes make up the largest segment on the market. Homes are moving in about a month, so it rewards being ready without demanding you rush.
Within a 30-minute drive of the county center
Quick facts
12 cities & towns
$47,500 – $1.8M price range
1,456 sqft median home
$1,800/mo median rent
Leans buyer right now
Fresh on the market
Newest homes in Putnam County
View all 181 homes →
$250,000
148 LAKE SHORE TERRACE, INTERLACHEN
2 bd · 1 ba · 936 sqft
$334,900
122 TANNER ROAD, FLORAHOME
3 bd · 2 ba · 2,115 sqft
$499,000
141 WOODS ROAD, SAN MATEO
4 bd · 3 ba · 2,356 sqft
$602,900
148 DENVER ROAD, CRESCENT CITY
3 bd · 2 ba · 2,040 sqft
$84,000
205 LITTLE STAR ROAD, HAWTHORNE
2 bd · 1 ba · 672 sqft
$84,000
204 JOHNTRY ROAD, HAWTHORNE
2 bd · 1 ba · 672 sqft
$169,900
113 MAGNOLIA AVENUE, HAWTHORNE
3 bd · 2 ba · 1,140 sqft
$499,000
137 & 135 RIVERSIDE DRIVE, SATSUMA
3 bd · 2 ba · 1,239 sqft
$325,000
175 E SAN JOSE STREET, PALATKA
3 bd · 2 ba · 1,860 sqft
$199,000
111 ELM AVENUE, PALATKA
4 bd · 1 ba · 1,270 sqft
$115,000
108 KITTY AVENUE, INTERLACHEN
2 bd · 2 ba · 960 sqft
$199,000
116 LONDON AVENUE, INTERLACHEN
2 bd · 1.5 ba · 728 sqft
178 of 181 active listings shown
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Property features
The numbers that matter
The Putnam County market
Leans buyer
10.4 months of inventory
Inventory is building — buyers have leverage and time.
273
Sold, last 12 months
$225,000
Median sold price
95%
Sale-to-list ratio
What sellers actually get vs asking
52 days
Median time to sell
Putnam County vs Florida
Median list price
Price per sqft
Days on market
Median sold price — 3-yr, 3-mo rolling
▲ 1.6% yr/yr
Homes on the market
▲ 16.4% yr/yr
Homes sold per month
Live Stellar MLS data — listings and closed sales in Putnam County, FL. Rolling medians smooth single-month swings.
Pick your town
Cities in Putnam County
Hawthorne
65 homes for sale
Melrose
44 homes for sale
Palatka
27 homes for sale
Interlachen
27 homes for sale
Crescent City
20 homes for sale
Satsuma
11 homes for sale
Florahome
8 homes for sale
Welaka
7 homes for sale
Pomona Park
6 homes for sale
East Palatka
4 homes for sale
San Mateo
3 homes for sale
Georgetown
3 homes for sale
Beyond the listings
Living in Putnam County
Life on the water
With 53 of the 181 active listings on or near the water, Putnam County is built around the St. Johns River and its surrounding lakes.
Genuinely affordable
A $225,000 median sold price over the past year makes this one of the most reasonably priced markets in North Florida.
Small-town choices
From Palatka to Welaka to Crescent City, each community offers a distinct pace and feel across the county.
Room for every buyer
The mix runs from manufactured and mobile homes to single-family houses and a handful of million-dollar riverfront properties.
Low carrying costs
Median property tax of $1,854 a year and HOA fees around $27 a month keep ongoing ownership costs light.
What it really costs
Owning here
Owning the median Putnam County home
≈ $1,828/mo
$272,500 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
19%
In a FEMA flood zone
Ask about flood insurance early — it changes the payment
$1,800/mo
Median rent
8 homes for rent right now
Straight answers
Putnam County real estate FAQs
Is Putnam County a good place to live?+
It suits buyers who want water access and a slower pace over big-city amenities — the county centers on the St. Johns River and towns like Palatka and Crescent City. It's especially popular for anglers, retirees, and anyone looking for a weekend or seasonal home on the water.
Is Putnam County expensive?+
No — it's one of the more affordable markets in the region, with a median list price of $272,500 and a median sold price of $225,000 over the last year. Prices span widely, from around $47,500 up to $1,750,000, so there's genuine room for tighter budgets. You can also browse by price to find entry points under $200K.
What do homes cost in Putnam County?+
The median home runs about 1,456 square feet at an average of $209 per square foot. The housing mix is broad — single-family homes, manufactured and mobile homes, and a few condos — so budget and property type both shape the price. For a traditional house, look to the single-family homes listings.
How is the market right now?+
Steady and balanced — 273 homes sold over the past 12 months, with sellers getting about 95% of asking on average. The median home spends 32 days on the market, so it's not frantic but well-priced listings move. Watching the just reduced homes can turn up motivated sellers.
What about HOA fees and property taxes?+
Costs are modest here — the median HOA is just $27 a month, reflecting how few properties sit in formal associations, and median annual property tax is $1,854. Only one active listing is in a gated community, so most homes carry little to no HOA burden at all.
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Nearby counties
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS. Market statistics are computed from listing and sold data and change as the market moves.
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