Utility rates & providers in Putnam County, FL

Illustrative monthly bill: City of Palatka (Clay Electric Cooperative + Palatka utilities), 1,000 kWh & 5,000 gal — county retail & wells differ

Putnam County sits between Jacksonville and Gainesville along the St. Johns River corridor, with Palatka as the primary municipal utility publisher in our footprint.

Total estimated monthly utilities

$226.50

Estimated illustrative monthly utilities for Putnam County are ~$226.50 (1,000 kWh + 5,000 gal assumptions). Average water bill estimate in this pattern: ~$35.00/mo at 5,000 gallons.

Palatka is Putnam County’s seat in our dataset. Interlachen, Crescent City, and unincorporated Putnam may use different water authorities or cooperative districts—verify your bill header.

Data freshness: last verified 2026-04-14. County overview narrative last verified 2026-04-14.

Illustrative bill — see cards for jurisdiction notes
  • Electric $116.50 (51%)
  • Water $35.00 (15%)
  • Sewer $53.00 (23%)
  • Trash $22.00 (10%)

Utilities here are about 15% lower than the Florida city average, driven mainly by electric rates.

  • In Florida, cooling demand often makes electric the largest share of the bill.
  • Trash is provided by private haulers; residents choose their own. Our estimate reflects typical rates for the area—contact haulers for exact pricing.

Electric service for many Palatka addresses aligns with Clay Electric Cooperative—the same cooperative family of schedules described on our Lake City page—with a Power Cost Adjustment that moves monthly.

Palatka operates municipal water and wastewater; published landing pages may not restate every tier, so our city page uses a conservative 5,000-gallon model you should confirm against Palatka Gas Authority / Utility Billing inserts.

Utility breakdown by service

Line-item style summary for Putnam County—figures are from the county overview below, not copied from a single city page. Jurisdiction notes, narrative, and official sources follow in each card.

Electricity

Estimated

Estimated — Clay Electric Schedule R + illustrative PCA at 1,000 kWh

Provider (illustrative)
Clay Electric Cooperative
Access charge
$32/mo
Modeled energy + PCA
~$0.0845/kWh placeholder
Assumed usage
1,000 kWh
Estimated monthly
$116.50

Clay serves Putnam district loads with FPSC-filed residential schedules; read the cooperative’s summary PDF alongside your bill.

If your meter shows a different name, switch to that provider’s tariff—Putnam still has pockets served by other utilities.

Official sources

Water

Estimated

Estimated — Palatka municipal model at 5,000 gal

Provider (illustrative)
City of Palatka Public Works
Modeled base + commodity
$16/mo + $3.80/1,000 gal
Estimated monthly
$35.00

Confirm volumetric tiers and meter size with Palatka utility billing—department pages may not list every residential block online.

Wells and small systems remain common outside pressurized city water.

Official sources

Sewer / wastewater

Estimated

Estimated — Palatka tiered sewer at modeled 5,000 gal

Modeled components
$22/mo base + $6.20/1,000 gal
Estimated monthly
$53.00

Sewer charges often track metered water; verify connection status before applying city volumetrics to septic parcels.

Official sources

Trash & recycling

Estimated

Estimated — Palatka sanitation line item on combined utility statement

Illustrative monthly
$22.00

Solid waste may appear on the Palatka Gas Authority utility statement—confirm the line-item amount for your service level.

Official sources

Summaries rely on Clay Electric materials, City of Palatka utility pages, and Florida PSC references as of the last verified date. Alternate electric territory, private wells, and septic require parcel-specific confirmation.

Check Internet pricing & availability in Putnam County

Internet service varies widely—many providers, different plans, introductory offers, and bundles make it hard to compare apples to apples. That's why we don't estimate internet on this page like we do for electric, water, sewer, and trash. Use our tool to compare providers for your address or ZIP code.

Total estimated monthly utilities

$226.50

County illustrative scenario

What changes your bill most?

  • Electric is about 51% of your estimated utilities here.
  • Every 100 kWh changes your total by about $8.45.
  • Each additional 1,000 gallons of water adds about $10.00 to your water and sewer bills combined (water ~$3.80 + wastewater ~$6.20).
  • How to save on utility bills in Palatka

Assumptions

  • Electric: 1,000 kWh/month
  • Water: 5,000 gallons/month

What these labels mean

  • Confirmed — From this area's rate schedule.
  • Benchmark — From an official typical bill or PSC comparative statistic; not every meter will match.
  • Delivery only — Regulated delivery charges only (e.g. Texas); supply varies by plan.
  • Estimated — From other or incomplete sources; use as a rough guide.
Sources

Full line-item breakdown: Palatka utility page. County overview cards above cite additional regional sources.

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Cities in Putnam County

Estimated monthly utility totals

Totals use each city's modeled usage and tariffs on file—see the city page for electric, water, sewer, and trash breakdowns.

CityEst. total/mo
Palatka (illustrative pattern)$226.50

More in Florida

Florida utility costsElectric providers in FloridaPalatka utility page

FAQ

We use base charges and per-unit rates from official provider and municipal sources for each city in Putnam County. Electric often references Florida Power & Light (FPL) tariff or Florida PSC comparative statistics where applicable; water, sewer, and trash use city, county, or authority rate schedules. Each city page shows assumed usage (kWh, gallons) and source links.
In Florida, unincorporated county utility systems, special districts, and municipal utilities can bill very differently—even inside the same county. Trash may be city-contracted, county solid waste, or private subscription. Always match your bill to the provider named on the statement.
Each city page shows a 'last verified' date and links to official sources. County overview pages include additional sources for unincorporated service areas. Confirm current rates on the provider's or government's website before making decisions.
No. Palatka is the municipal publisher in our dataset, but other towns and unincorporated areas can use different retail water or solid waste programs. Match the legal provider on your bill.

Learn more

For tips on understanding your bill, comparing cities, and how electric and utility rates work by state, see our blog. Compare Palatka with another city side-by-side, or see how we calculate estimates.