32177 ZIP Code — Palatka, FL

Putnam County, Florida

ZIP code 32177 is located in Palatka, Florida, within Putnam County. It covers approximately 226.83 square miles and serves a population of 26,290 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 386.

About ZIP code 32177

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $150,700. Owner-occupancy sits near the national average at 64%.

Median household income is $45,455. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 26% of households reflects economic stress in the area. 45% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

College attainment at 12% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (27%) compared to national benchmarks.

Overall, ZIP code 32177 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

26,290

population

226.83

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

32177 ZIP code map

Cities in ZIP code 32177

Below are the cities the US Postal Service accepts for ZIP code 32177. Using any city not on this list may result in mail delivery delays.

City	Status
Palatka	Preferred

Nearby ZIP codes

32131 East Palatka (6.8 mi) 32148 Interlachen (9.4 mi) 32189 Satsuma (10.8 mi) 32187 San Mateo (10.9 mi) 32140 Florahome (11.1 mi) 32181 Pomona Park (13.1 mi) 32181 Pomona Park (13.1 mi) 32193 Welaka (15.5 mi) 32193 Welaka (15.5 mi) 32193 Welaka (15.5 mi) 32033 Elkton (16.4 mi) 32145 Hastings (17.1 mi)

Demographics updated 05/2026

Population
Total population	26,290
Population density	116 / sq mi
State FIPS	12
County FIPS	107

Geography
Land area	226.83 sq mi
Water area	18.42 sq mi
Latitude	29.6826
Longitude	-81.6937
Timezone	Eastern (ET)
Area code	386

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.9%	60.0%	43.4%
$50k – $100k	26.6%	27.2%	30.8%
$100k – $200k	12.3%	10.9%	19.3%
Over $200k	2.2%	1.9%	6.4%

Demographics & statistics

26,290

Population

116

People per sq mi

41.5

Median age

$45,455

Median household income

$25,841

Per capita income

$150,700

Median home value

$840

Median monthly rent

63.7%

Home ownership

22.4%

Poverty rate

9.7%

Unemployment

7,769

Housing units

12.0%

Bachelor's or higher

Age distribution

Male Female

706

Under 5

764

906

5–9

980

964

10–14

1,043

652

15–19

706

690

20–24

747

1,556

25–34

1,684

1,264

35–44

1,369

1,593

45–54

1,723

852

55–59

923

751

60–64

813

1,623

65–74

1,756

802

75–84

867

267

85+

289

← Male

Female →

Age summary

Group	Count	%
Under 18	6,151	23.4%
18 and over	20,139	76.6%
65 and over	5,604	21.3%
Median age	41.5 years

Race & ethnicity

White 65.1%

Black or African American 24.9%

Two or more races 4.6%

Hispanic or Latino 3.7%

Asian 0.9%

Other race 0.4%

American Indian / Alaska Native 0.3%

Group	Count	%
White	17,782	65.1%
Black or African American	6,808	24.9%
Two or more races	1,265	4.6%
Hispanic or Latino	1,020	3.7%
Asian	257	0.9%
Other race	99	0.4%
American Indian / Alaska Native	79	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	58.9%	60.0%	43.4%
$50k – $100k	26.6%	27.2%	30.8%
$100k – $200k	12.3%	10.9%	19.3%
Over $200k	2.2%	1.9%	6.4%

Under $10k 9.9%

$10k–$15k 5.5%

$15k–$25k 13.7%

$25k–$35k 12.4%

$35k–$50k 13.6%

$50k–$75k 14.4%

$75k–$100k 10.8%

$100k–$150k 13.3%

$150k–$200k 2.6%

$200k+ 3.8%

Range	% of households
Under $10k	9.9%
$10k–$15k	5.5%
$15k–$25k	13.7%
$25k–$35k	12.4%
$35k–$50k	13.6%
$50k–$75k	14.4%
$75k–$100k	10.8%
$100k–$150k	13.3%
$150k–$200k	2.6%
$200k+	3.8%
Median income	$45,455

Housing

Home values

Under $50k 14.8%

$50k–$100k 20.4%

$100k–$150k 14.6%

$150k–$200k 22.0%

$200k–$300k 15.0%

$300k–$500k 9.2%

$500k–$1M 3.2%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$150,700
Median rent / month	$840
Owner occupied	63.7%
Renter occupied	36.3%
Vacant	9.7%
Single-family detached	59.8%
Large apartment buildings	3.6%
Mobile homes	20.5%
Median rooms	5.8
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	0.4%
2010–2019	4.2%
2000–2009	10.0%
1990–1999	12.2%
1980–1989	18.5%
1970–1979	16.8%
1960–1969	15.3%
1950–1959	9.2%
1940–1949	2.5%
1939 or earlier	10.9%

Bedrooms

Size	% of units
No bedroom (studio)	2.3%
1 bedroom	9.6%
2 bedrooms	26.6%
3 bedrooms	49.9%
4 bedrooms	10.1%
5+ bedrooms	1.5%

Vehicles per household

Vehicles	% of households
No vehicle	10.1%
1 vehicle	38.4%
2 vehicles	34.1%
3 or more	17.4%

Heating fuel

Fuel type	%
Utility gas	11.8%
Electricity	83.3%
Propane / LP gas	2.0%
Wood	0.4%
Solar	0.5%
No fuel used	1.9%

Households & families

Household type	Count	%
Married-couple family	3,588	34.4%
Cohabiting couple	785	7.5%
Male householder, no spouse	2,078	19.9%
Female householder, no spouse	3,989	38.2%
Households with children under 18	2,912	27.9%
Households with seniors (65+)	4,165	39.9%
Average household size	2.45

Marital status

Status	Male	Female
Never married	36.9%	33.6%
Married	42.7%	35.7%
Separated	3.2%	2.6%
Widowed	2.9%	14.8%
Divorced	14.3%	13.3%

Education

Less than 9th grade 2.9%

Some HS, no diploma 12.0%

HS graduate 44.7%

Some college, no degree 20.4%

Associate's degree 8.0%

Bachelor's degree 7.8%

Graduate / professional 4.1%

Metric	%
HS diploma or higher	85.1%
Bachelor's or higher	12.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	528	8.7%
Kindergarten	445	7.3%
Elementary school	2,610	42.9%
High school	1,517	24.9%
College / grad school	989	16.2%

Employment

Industry of employment

Education & healthcare 27.1%

Retail trade 13.9%

Manufacturing 10.5%

Construction 9.7%

Transportation & utilities 7.4%

Public administration 6.8%

Arts, food & hospitality 6.7%

Professional & management 5.7%

Other services 4.1%

Finance & real estate 3.6%

Agriculture & mining 2.0%

Wholesale trade 1.3%

Information 1.2%

Occupation

Category	%
Management, business & arts	29.3%
Service	16.2%
Sales & office	24.1%
Natural resources & construction	12.3%
Production & transportation	18.0%

Employment type

Type	%
Private sector	77.3%
Government	18.7%
Self-employed	4.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.0%
Carpool	9.0%
Public transit	0.5%
Walk	1.8%
Work from home	6.4%
Other means	0.4%
Avg commute (minutes)	26.0

Poverty

All people 22.4%

Under 18 years 31.6%

18 and over 19.6%

Married-couple families 8.0%

Female-led households 29.9%

Income support

Source	% of households
Social Security	44.6%
Retirement income	28.5%
Supplemental Security	8.3%
Cash public assistance	1.4%
Food stamps / SNAP	25.6%

Health indicators

Condition	%
Obesity	37.1%
High blood pressure	39.1%
High cholesterol	35.4%
Diabetes	14.1%
Heart disease	8.7%
Stroke	4.9%
Asthma	10.2%
Arthritis	28.4%
Kidney disease	4.0%
Pulmonary disease	12.1%
Cancer	6.9%

Behavior / access	%
Smoking	27.2%
Binge drinking	14.8%
No physical activity	34.2%
Less than 7 hrs sleep	39.4%
Depression	20.8%
Fair or poor health	24.8%
Poor mental health	18.3%
Poor physical health	16.1%
No health insurance	25.5%
Visited doctor (checkup)	76.0%
Visited dentist	44.5%
Cholesterol screening	88.5%
Teeth loss	25.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,405	7.0%

Disability	%
Any disability	18.7%
Under 18	6.5%
18–64 years	16.0%
65 and over	40.1%

Health insurance coverage

Type	%
Private insurance	43.3%
Public insurance	53.4%
No insurance	14.9%
Uninsured under 19	2.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	24,820	94.4%
Spanish	615	2.5%
Other Indo-European	462	1.9%
Asian & Pacific Islander	108	0.4%
Other languages	45	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	25,418	96.7%
Born in same state	25,037	95.2%
Born in different state	17,416	66.2%
Foreign born	381	1.4%
Naturalized citizen	872	3.3%
Not a US citizen	424	48.6%

Ancestry

Ancestry	Count	%
French	5,617	21.4%
Arab	2,670	10.2%
Italian	2,409	9.2%
English	112	0.4%
Irish	100	0.4%

Ancestry	Count	%
German	94	0.4%
Dutch	19	0.1%
Norwegian	15	0.1%
Polish	11	0%

Technology access

Metric	% of households
Computer access	39.7%
Internet access	87.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32177

What city is ZIP code 32177 in?

ZIP code 32177 is primarily assigned to Palatka, Florida.

What county is ZIP code 32177 in?

ZIP code 32177 falls within Putnam County, Florida.

What is the poverty rate in ZIP code 32177?

22% of residents in ZIP code 32177 live below the poverty line, above the national average.

How educated is the population of ZIP code 32177?

12% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 32177 have a large retiree population?

45% of households in ZIP code 32177 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 32177?

The median home value in ZIP code 32177 is $150,700.

What timezone is ZIP code 32177 in?

ZIP code 32177 observes the EST timezone.