Putnam County, Florida: commercial real estate data.
Putnam County, Florida has a population of 75,164 across 728 square miles, up 5.4 percent since the 2020 census base. County output reached $3.50 bn in 2024, 1,331 establishments operate here, and the SBA record carries 19 7(a) approvals worth $16.6 m.
128 sourced county values · tier FULL · 12 sections
Putnam County
How many people live in Putnam County
- Population75,164
- Households31,360
- Average household size2.40
- Median household income$47,934
- Median age45.0
- Median gross rent$906 per month
- Median owner-occupied home value$160,300
- Home value to household income3.3 times
- Annual rent as a share of median income22.7 percent
- Adults 25 and over with a bachelor degree or higher14.5 percent
- Adults 25 and over with a graduate degree4.3 percent
- Adults 25 and over53,876
- Population under 1815,954
- Share under 1821.2 percent
- Population 65 and over17,887
- Share 65 and over23.8 percent
- Working age population, 18 to 6441,323
- Civilian labor force28,940
- Unemployment rate7.4 percent
- Labor force participation, adults 18 and over48.9 percent
- Rank by population among Florida counties40th of 67
- Rank by population among US county-equivalents752nd
Putnam County is the 40th largest of 67 Florida counties by population. A median home costs 3.3 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 23.8 percent against 21.2 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Putnam County
Is Putnam County growing
- Population change since the 2020 census base5.42 percent
- Census 2020 base population73,325
- Births, 2024800
- Deaths, 20241,165
- Natural change, 2024-365
- Net domestic migration, 20241,177
- Net international migration, 2024277
- Total net migration, 20241,454
- Cumulative net domestic migration, 2021 to 20244,995
- Rank by growth among US county-equivalents481st
The county has grown 5.42 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Putnam County
Where people moving to Putnam County come from
- Tax returns filed by households arriving2,300
- People arriving, from those returns4,176
- Adjusted gross income arriving$117.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,167
- Largest single originPutnam County Non-migrants (24,472 households)
- Largest single destination (24,472 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Putnam County Non-migrants | 24,472 | 48,937 | $1.27 bn |
| Other flows - Different State | 711 | 1,259 | $40.0 m |
| Other flows - South | 331 | 599 | $17.9 m |
| St. Johns County | 278 | 519 | $15.2 m |
| Other flows - Same State | 262 | 438 | $10.2 m |
| Clay County | 181 | 366 | $9.2 m |
| Duval County | 175 | 296 | $9.7 m |
| Alachua County | 163 | 292 | $8.3 m |
The largest single source of arrivals is Putnam County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Putnam County
What the Putnam County economy runs on
- County GDP, 2024$3.50 bn
- County GDP, 2023$3.45 bn
- GDP change, 2023 to 20241.5 percent
- GDP change over five years44.7 percent
- Rank by GDP among Florida counties41st
- Rank by GDP among US county-equivalents893rd
- GDP per resident$46,557
Output grew 1.5 percent in the latest year and 44.7 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Putnam County
Who employs people in Putnam County
- Covered employment, annual average17,320
- Establishments reporting1,593
- Average annual pay$51,592
- Average weekly wage$992
- Sector 44-45, employment2,681
- Sector 44-45, average annual pay$33,704
- Sector 62, employment2,420
- Sector 62, average annual pay$56,236
- Sector 31-33, employment1,780
- Sector 31-33, average annual pay$75,135
- Sector 72, employment1,764
- Sector 72, average annual pay$23,406
- Sector 23, employment1,465
- Sector 56, employment705
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,681 | 247 | $33,704 |
| Sector 62 | 2,420 | 208 | $56,236 |
| Sector 31-33 | 1,780 | 50 | $75,135 |
| Sector 72 | 1,764 | 121 | $23,406 |
| Sector 23 | 1,465 | 290 | $49,234 |
| Sector 56 | 705 | 98 | $58,016 |
| Sector 11 | 606 | 34 | $37,300 |
| Sector 81 | 457 | 102 | $36,571 |
The largest sector is the biggest private employer group at 2,681 jobs, 15.5 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Putnam County
What businesses operate in Putnam County
- Establishments, all industries1,331
- Employment at those establishments13,231
- Annual payroll$578.2 m
- Establishments per 1,000 residents17.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Putnam County
What is being built in Putnam County
- Housing units authorised by permit, 2024110
- Declared construction value permitted$25.5 m
- Single family units authorised110
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$231,894
- Units authorised per 1,000 households3.5
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Putnam County
How much SBA lending happens in Putnam County
- 7(a) approvals recorded19
- 7(a) gross approval dollars$16.6 m
- Average 7(a) approval$871,532
- Median 7(a) approval$649,000
- 10th percentile approval$15,000
- 90th percentile approval$2,755,000
- Largest single approval$4,256,000
- Jobs reported supported, 7(a)122
- Jobs per approval6.4
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals15
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer42.1 percent
- Loans on real estate terms8
- Loans on working capital terms, 120 months or shorter10
- Franchise loans4
- Franchise share of approvals21.1 percent
- Leading industry by approval countOffices of All Other Miscellaneous Health Practitioners (3)
- Most active lenderFirst Bank of the Lake (2)
- 504 approvals recorded27
- 504 gross approval dollars$21.4 m
- Average 504 approval$792,000
- Median 504 approval$438,000
- Distinct CDCs active3
- 504 jobs per approval10.0
- 504 jobs per million dollars approved12.7
- Most active CDCFlorida First Capital Finance Corporation, Inc. (18)
- 7(a) share of SBA approvals41.3 percent
- Combined SBA approval dollars$37.9 m
The average approval of $871,532 sits close to the median of $649,000, so lending here is fairly evenly sized rather than driven by a few large deals. 42.1 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Putnam County
Do SBA loans in Putnam County get paid back
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Paid in full3
- Status: Exempt from disclosure8
- Status: Cancelled6
- Status: Charged off1
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 4 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Putnam County
Which parts of Putnam County get the lending
- Places in the county with recorded lending7
- Palatka, approvals11
- GREEN COVE SPRINGS, approvals3
- PORT ORANGE, approvals1
- Pomona Park, approvals1
- Georgetown, approvals1
- HOLLISTER, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Palatka | 11 | $11,282,100 |
| GREEN COVE SPRINGS | 3 | $2,965,000 |
| PORT ORANGE | 1 | $802,000 |
| Pomona Park | 1 | $100,000 |
| Georgetown | 1 | $1,345,000 |
| HOLLISTER | 1 | $15,000 |
| Interlachen | 1 | $50,000 |
Palatka accounts for 11 approvals against 3 in GREEN COVE SPRINGS. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Putnam County
How big is Putnam County
- Land area728 sq mi
- Rank by land area among Florida counties32nd of 67
- Width, east to west37.4 mi
- Height, north to south35.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land103
- Establishments per square mile1.83
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Putnam County
What hazards affect Putnam County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 8
- Communities carrying a CRS class1
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 8, which carries a flood insurance premium discount for properties in the participating community.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Putnam County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Putnam County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population75,164
- Households31,360
- Average household size2.40
- Median household income$47,934
- Median age45.0
Common questions
Putnam County questions, answered from the record.
How many people live in Putnam County, Florida?
75,164, in 31,360 households, ranking 40th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Putnam County growing?
The population has grown 5.42 percent since the 2020 census base. In 2024 there were 800 births against 1,165 deaths, with net migration of 1,454. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Putnam County?
$47,934. The median owner-occupied home is valued at $160,300, which is 3.3 times income, and median gross rent is $906 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Putnam County?
1,331 establishments, employing 13,231 people with an annual payroll of $578.2 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Putnam County?
Average annual pay is $51,592, or $992 a week, across 17,320 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Putnam County?
19 7(a) approvals totalling $16.6 m since FY2020, across 14 lenders, with a median approval of $649,000, plus 27 504 approvals worth $21.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Putnam County?
110 housing units were authorised by permit in 2024, with a declared construction value of $25.5 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Putnam County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Putnam County come from?
The largest single origin is Putnam County Non-migrants, with 24,472 households. Arriving households report an average income of $51,167 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Putnam County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Putnam County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.