Affordable & Low-Income Housing in Palatka, FL 32177
19 affordable buildings in 32177
Palatka, FL 32177 has 19 income-restricted buildings: 7 tax credit, 5 public housing, 5 Section 8, 5 senior, and 4 usda rural. These lists don't show openings — call to ask about vacancies and waiting lists.
In 32177
Northside
802 N 14th St, Palatka, FL 32177
116 units · 2–3 BR
- Apply through Palatka Housing Authority
- Residents waited about 65 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
College Arms Apartments
2305 Husson Ave, Palatka, FL 32177
108 units · 107 income-restricted · 1–4+ BR
James A. Long
2100 Bronson St, Palatka, FL 32177
100 units · 1–3 BR
- Apply through Palatka Housing Authority
- Residents waited about 74 months to move in (HUD, Oct 2026)
Rosa Ragsdale
5108 Ragsdale Dr, Palatka, FL 32177
84 units · 2–3 BR
- Apply through Palatka Housing Authority
- Residents waited about 98 months to move in (HUD, Oct 2026)
W. Madison Heights
2000 McClellan St, Palatka, FL 32177
84 units · 1–3 BR
- Apply through Palatka Housing Authority
- Residents waited about 75 months to move in (HUD, Oct 2026)
- Several buildings — call for addresses
Annie M Spell Senior Community
3310 Crill Ave, Palatka, FL 32177
38 units · 1–3 BR
- Apply through Palatka Housing Authority
- Residents waited about 62 months to move in (HUD, Oct 2026)
- Most residents are 62 or older
Progressive Housing
2201 Husson Avenue, Palatka, FL 32177
25 units · 24 income-restricted · 1 BR · People with disabilities
ARC of Putnam County Group Home
1015 S 10th St, Palatka, FL 32177
12 units · Studio · People with disabilities
Forest Glen
700 Forest Glen Dr, Palatka, FL 32177
87 units · 1–2 BR
- 15 vacant units reported (Oct 2026) — call to confirm
Cherry Tree Apts
206 Zeagler Drive, Palatka, FL 32177
70 units · 1–2 BR
- 4 vacant units reported (Oct 2026) — call to confirm
Carriage Gate of Palatka Apts
6501 Saint Johns Ave, Palatka, FL 32177
48 units · 1–2 BR
- 11 vacant units reported (Oct 2026) — call to confirm
St. Johns River Apt
3421 Saint Johns Ave, Palatka, FL 32177
48 units · 1–2 BR
- 5 vacant units reported (Oct 2026) — call to confirm
Cherry Tree II
208 Zeagler Dr, Palatka, FL 32177
36 units · 1–2 BR
- Affordability period may have ended — call to confirm
No buildings in 32177 match this filter.
Rents and income limits in 32177
- Fair market rent, 2 bedrooms
- $1,090/mo
- Income needed to pay it at 30% of income
- $43,600/yr
- Renters in 32177 paying 30% or more of income on rent
- 61%
Income limits (2026)
Putnam County, FL area · median family income $73,500. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $16,450 | $27,400 | $43,850 |
| 2 | $21,640 | $31,350 | $50,100 |
| 3 | $27,320 | $35,250 | $56,350 |
| 4 | $33,000 | $39,150 | $62,600 |
| 5 | $38,680 | $42,250 | $67,650 |
| 6 | $44,360 | $45,400 | $72,650 |
| 7 | $48,550 | $48,550 | $77,650 |
| 8 | $51,700 | $51,700 | $82,650 |
Section 8 vouchers: up to the 50% limit, and most go to households under 30%. Public housing: up to 80%. Tax-credit apartments: usually up to 60% of median income, between the 50% and 80% columns.
Fair market rents (2027)
HUD's estimate of rent plus utilities for a modest home. Housing authorities set Section 8 voucher limits from it.
| Size | 32177 | Wider area |
|---|---|---|
| Studio | $830 | $787 |
| 1 bedroom | $830 | $792 |
| 2 bedrooms | $1,090 | $1,040 |
| 3 bedrooms | $1,410 | $1,307 |
| 4 bedrooms | $1,480 | $1,377 |
Wider area = Putnam County, FL. Two-bedroom fair market rents in 4 nearby ZIPs range from $1,040 (32189) to $1,420 (32131).
Census figures for 32177 (2020–2024 average): median rent $951. Median household income $47,796. 33% of homes are rented. 61% of renters pay 30% or more of their income on rent, and 26% pay half or more.
Census median rent is what renters here actually pay, including long-term leases. Fair market rent is HUD's estimate for a modest apartment available now.
Sources: HUD income limits FY2026; HUD Fair Market Rents FY2027 (Small Area FMR for ZIP figures); U.S. Census Bureau American Community Survey 5-year 2020–2024. Each program and building can set its own limits — confirm with the property.
Estimate your Section 8 rent share
Project-based Section 8 is on the buildings above. A Housing Choice Voucher is different: you apply with the housing authority, then find a landlord who takes it. Your share of rent is based on income — not always 30%. The calculator uses 32177's fair market rent.
Estimate your Section 8 rent share for 32177Frequently Asked Questions
Is there Section 8 housing in Palatka, FL 32177?
Yes — this directory lists income-restricted buildings in Palatka, FL 32177, including project-based Section 8 apartments (the subsidy stays with the unit), public housing, tax-credit, and USDA rural rentals. Housing Choice Vouchers are different: you apply with the local housing authority and can use them at a private landlord. Estimate your voucher rent share with the Section 8 calculator.
Do affordable housing buildings in Palatka, FL 32177 have openings?
These lists for Palatka, FL 32177 don't show openings. Call the property (or the housing authority, for public housing) to ask about vacancies and waiting lists.
How do I apply for affordable housing in Palatka, FL 32177?
Use the phone number on each building card in Palatka, FL 32177. Public housing is run by the local housing authority — apply with them, not at the building. USDA rural rentals can also be found through USDA's property search.
What counts as affordable housing in Palatka, FL 32177?
In Palatka, FL 32177, this directory lists income-restricted rentals from HUD tax-credit (LIHTC) records, public housing, HUD-assisted buildings (including project-based Section 8, 202, and 811), and USDA Rural Development.
How many affordable housing buildings are in ZIP 32177?
This directory lists 19 income-restricted buildings in Palatka, FL 32177. The list does not show vacancies — call each property or the housing authority to ask about openings and waiting lists.
People Also Ask
How do I qualify for affordable housing in Palatka, FL 32177?
Most income-restricted buildings in Palatka, FL 32177 serve households at or below 50% or 80% of area median income. HUD's 2026 very low-income (50%) limit for a 1-person household is $27,400, and $39,150 for a 4-person household. Public housing can go up to 80% ($43,850 for 1 person). Each building sets its own cap — call to confirm before you apply. Citizenship, household size, and local preferences can also apply.
What is the income limit for low-income housing in Palatka, FL 32177?
For many programs in Palatka, FL 32177, the 2026 HUD very low-income (50%) limit is $27,400 a year for 1 person and $39,150 for 4 people. The low-income (80%) limit is $43,850 for 1 person. Tax-credit buildings often use 60% of median income. Confirm with the property — they can be stricter.
How long is the waiting list for Section 8 in Palatka, FL 32177?
There is no single waiting list for Palatka, FL 32177. Public housing, project-based Section 8, and tax-credit buildings each keep their own list. Housing Choice Voucher lists at the housing authority open only sometimes and can stay closed for years. This directory does not show which lists are open — call the number on each card. Some public housing cards show HUD's reported wait in months.
What is the difference between Section 8 and public housing in Palatka, FL 32177?
Public housing is owned by a housing authority — you apply with that agency, not at the building. Project-based Section 8 is a HUD contract on a private building; the subsidy stays with the apartment. A Housing Choice Voucher is different: you apply with the housing authority and can use it at a landlord who takes it. This page lists public housing, project-based Section 8, tax-credit apartments in Palatka, FL 32177. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Palatka, FL 32177?
In public housing and most Section 8 in Palatka, FL 32177, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Palatka, FL 32177 is $1,090 a month (rent plus utilities for a modest unit). Tax-credit apartments use set rents below market, not always 30% of income. Call the building for the actual rent; this site is not a vacancy or price list.
Can I use a Section 8 voucher at affordable apartments in Palatka, FL 32177?
A Housing Choice Voucher is not automatically accepted at every building in Palatka, FL 32177. Project-based Section 8 units already have a subsidy on the apartment — you apply there, not with a tenant voucher. For a voucher, apply with the housing authority, then ask each landlord. Estimate your share with the Section 8 calculator.
Is there senior affordable housing in Palatka, FL 32177?
Yes — this directory flags senior (often 62+) buildings in Palatka, FL 32177. Use the Seniors filter on the list. Age rules vary; call to confirm.
Sources: HUD LIHTC database, 2024 (released Apr 2026); HUD Multifamily Assisted Properties, Oct 2026; HUD Public Housing Developments, Oct 2026; USDA Rural Development multifamily, Oct 2026. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying.
Map loads here…
This ZIPOpen a pin for the building name.