2026 Compare Cities Cost of Living:
Palatka, FL vs Lutz, FL

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Highlights
Is it cheaper to live in Lutz or is it cheaper to live in Palatka?
- Lutz is 27.2% more expensive than Palatka.

Which city has more affordable housing, Lutz or Palatka?
- Lutz housing costs are 141.4% more expensive than Palatka housing costs.

Is Health Care more affordable in Palatka or is Health Care more affordable in Lutz.
- Health related expenses are 7.6% less in Lutz.
 Palatka, FLLutz, FLUnited States
 Overall  Unlock104.2100
 Food & Groceries96.0  Unlock100
 Health  Unlock100.3100
 Housing51.0  Unlock100
 Median Home Cost  Unlock$438,900$338,100
 Utilities100  Unlock100
 Transportation  Unlock117.8100
 Miscellaneous77.5  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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Reviews for Palatka    3 Reviews

Over 9 years ago

I have a lovely home on the outskirts of NW Palatka Bannerville area about 15 minutes from publix. Our well water (from the aquafier) is fabulous and the last time I  More

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Would love to hear your views on life in  More

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Over 20 years ago

Palatka is growing and will likely grow more in the near future. Although prices have escalated, housing is still less expensive than St. Augustine. Many people will  More

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Reviews for Lutz    7 Reviews

Over 7 years ago

Lived here for 2 years - the growth is amazing. Schools are good as long as you are an involved parent (I would say this about almost any school district); have had  More

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Over 10 years ago

The teachers have no concern about the students. If you send an e-mail requesting tutoring, there is no response and the student gets no assistance. The  More

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Over 17 years ago

There are so very many foreclosures in Lutz it is awful. In the gated communities, there is at least a foreclosure every other street. If you check the web site for  More

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