Median Income
$60,625
19% lower than US avg
Home Value
$213,300
24% lower than US avg
Violent Crime
666/100K
75% higher than US avg
Bachelor's+
51.5%
53% higher than US avg
Median Rent
$1,893
63% higher than US avg
Obesity Rate
35.6%
11% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Penney Farms Compares to the U.S. Average (100% = U.S. avg)
People
Population573
Median Age79.9 yrs
Density392/mi²
Male / Female45% / 55%
Largest GroupWhite 94%
Veterans17.7%
Economy
A
Median Income$60,625
Per Capita$34,542
Unemployment0.0%
Poverty0.0%
County GDP$9,125M
Commute36 min
Housing
A+
Home Value$213,300
Rent$1,893
Ownership14.0%
Zillow$461,236
Housing Units309
Rent Burden42.4%
Crime
F
Violent666/100K
Property2,889/100K
Health
Obesity35.6%
Uninsured13.9%
Smoking16.4%
Depression20.2%
Heart Disease5.8%
Climate
Avg Temp70°F (21°C)
AQI41 (Good)
Rain51.4 in/yr
Sunny Days314/yr
Elevation91 ft (28 m)
Education
A+
Bachelor's+51.5%
High School+87.4%
Graduate+27.0%
School Score6.21
Community
2024 VoteR 69% / D 30%
Commute36 min
Broadband86.8%
EV Stations4
Libraries5
Is Penney Farms a Good Place to Live?
Based on current data, Penney Farms receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include low unemployment, a highly educated population, affordable housing, abundant sunshine. Areas to be aware of include elevated crime rates, a high uninsured rate, long commute times. Penney Farms offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Penney Farms is $60,625, 19% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 36 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Penney Farms is $213,300, 24% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,893 per month, significantly above the national average of $1,163. A price-to-income ratio of 3.5x indicates a reasonably affordable housing market.
Safety & Crime
With 666 violent crimes per 100,000 residents, public safety is a notable concern / this is significantly above the national average of 380. Property crime occurs at a rate of 2,889 per 100,000, 47% above the national average.
Education
Penney Farms is a highly educated community / 51.5% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 87.4% have completed high school. Local schools score 6.2/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Penney Farms enjoys a moderate climate with an average annual temperature of 70°F. Winters average 56°F in January while summers reach 81°F in July. With 314 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 51.4 inches. Air quality is rated Good with a median AQI of 41.
Penney Farms has a population of 573 with a density of 392 people per square mile, spread across 1.4 square miles. The median age is 79.9 years, 105% older than the national median of 38.9. The gender split is 54.6% female and 45.4% male. The city is predominantly White (94.4%), with 3.5% Black. English is the primary language spoken at home by 98.7% of residents. 17.7% of the population are veterans, above the national rate of 6.0%. 33.4% of residents have a disability (above the 13.0% national average). 91.0% have health insurance coverage.
Population
79.9yrs
Median Age
105% above US avg
Race & Ethnicity
Penney Farms vs U.S. Average
Language Spoken at Home
English Only
98.7%
26% above US avg
Spanish
1.3%
90% below US avg
Social Characteristics
Penney Farms vs U.S. Average
The median household income in Penney Farms is $60,625, which is 19% below the national average of $75,149. Per capita income is $34,542 (below the $39,052 national figure). The average weekly wage is $1,052, 27% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 5,454 business establishments, including 339 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 36 minutes (longer than the 28-minute US average). 34.2% of workers work from home (above the 15.2% national rate).
Income: Penney Farms vs U.S.
Income
| Median HH Income | $60,625 |
| 19% below US avg |
| Per Capita Income | $34,542 |
| Avg Weekly Wage | $1,052 |
| IRS Avg AGI | $75,341 |
| Gini Index | 0.407 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 5,454 |
| County GDP | $9,125M |
Business (County)
| Restaurants | 339 |
| Healthcare | 589 |
| Retail | 575 |
| Manufacturing | 80 |
Tax & Cost of Living
| Property Tax (IRS) | $5,582 |
| 59% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 2.62% |
Commute & Transportation
| Commute Time | 35.6 min |
| Drive Alone | 36.8% |
| Public Transit | 0.0% |
| Work from Home | 34.2% |
The median home value in Penney Farms is $213,300, 24% below the national median of $281,900. Zillow estimates the typical home value at $461,236, higher than the Census estimate. Monthly rent averages $1,893 (63% above the national average of $1,163). Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 14.0% of housing units are owner-occupied (below the 65.4% national rate). There are 309 total housing units in the city. The median year a home was built is 1958. The average annual property tax is $5,582 (higher than the $3,500 national average). 42.4% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 3.5x.
Home Values
| Census Median | $213,300 |
| 24% below US avg |
| Zillow ZHVI | $461,236 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $1,893 |
| 63% above US avg |
| Rent Burden | 42.4% |
HUD Fair Market Rent
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
Ownership & Property
| Homeownership | 14.0% |
| Owner-Occupied | 14.0% |
| Renter-Occupied | 86.0% |
| Housing Units | 309 |
| Median Year Built | 1958 |
Property Tax
| Avg Tax (IRS) | $5,582 |
| 59% above US avg |
| Effective Rate | 2.62% |
In Penney Farms, 35.6% of adults are obese, above the national rate of 32.1%. 10.5% have diabetes. Heart disease affects 5.8% of residents. 34.4% have high blood pressure. 16.4% are current smokers. 17.5% report binge drinking. 26.6% are physically inactive. 20.2% report depression. 20.0% experience frequent mental distress. 13.9% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,869. The dentist ratio is 1:1,873. 78.3% of residents have access to exercise opportunities. The food environment index is 8.2 out of 10.
Health Metrics: Penney Farms vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.6% |
| 11% above US avg |
| Diabetes | 10.5% |
| Heart Disease | 5.8% |
| High Blood Pressure | 34.4% |
| Asthma | 10.2% |
| COPD | 7.1% |
| Cancer | 7.6% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 16.4% |
| 17% above US avg |
| Binge Drinking | 17.5% |
| Physical Inactivity | 26.6% |
| Depression | 20.2% |
| Mental Distress | 20.0% |
| Physical Distress | 14.0% |
| Short Sleep | 42.8% |
Healthcare Access
| Insurance Rate | 91.0% |
| Uninsured | 13.9% |
| 62% above US avg |
| Primary Care | 1:1,869 |
| Dentists | 1:1,873 |
| Mental Health | 1:690 |
| Checkup Rate | 74.8% |
| Dental Visits | 52.0% |
| Premature Death | 9,534/100K |
Food & Exercise
| Food Environment | 8.2/10 |
| Exercise Access | 78.3% |
| Healthcare Facilities | 589 |
Penney Farms has a violent crime rate of 666 per 100,000 residents, 75% above the national average of 380. Property crime stands at 2,889 per 100,000, 47% above the U.S. average. The county recorded 27 fatal traffic crashes. Overall, Penney Farms receives a safety grade of F.
Crime Rates: Penney Farms vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 665.5/100K |
| 75% above US avg |
| |
Property Crime
| Total Property | 2,888.7/100K |
| 47% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 27 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Penney Farms enjoys a temperate climate with an average annual temperature of 70°F (21°C). Winters average 56°F in January while summers reach 81°F in July. The area gets 314 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 51.4 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 91 feet.
Temperature
56°F Jan (13°C)
81°F Jul (27°C)
| Annual Average | 70.0°F |
| 30% above US avg |
| January Average | 56°F (13°C) |
| July Average | 81°F (27°C) |
| Sunny Days | 314 days/yr |
Geography
| Elevation | 91 ft (28 m) |
| Area | 1.4 sq mi (3.6 km²) |
| Population Density | 392/sq mi |
| Coordinates | 29.9807°N, 81.8108°W |
| Timezone | America/New_York |
| County | Clay County County |
| Nearest Airport | Northeast Florida Regional (UST) 28 miles away |
Precipitation & Snow
Annual Rainfall
51.4"
35% above US avg
Wettest Month (Aug)
7.01"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 81.1 / 100 |
| Social Vulnerability | 13.0 / 100 |
| Community Resilience | 51.1 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Relatively Moderate |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Very Low |
| Lightning |
Relatively High |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
| Coastal Flood |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
23 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 4. Most recent: Helene (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Helene |
Category 4 |
182 km |
| 2024 |
Milton |
Category 3 |
206 km |
| 2024 |
Debby |
Category 1 |
153 km |
| 2023 |
Idalia |
Category 4 |
139 km |
| 2022 |
Ian |
Category 2 |
205 km |
| 2020 |
Isaias |
Category 1 |
243 km |
| 2019 |
Dorian |
Category 3 |
204 km |
| 2017 |
Irma |
Category 1 |
202 km |
| 2016 |
Matthew |
Category 3 |
110 km |
| 2016 |
Hermine |
Category 1 |
214 km |
| 2014 |
Arthur |
Category 1 |
252 km |
| 2005 |
Ophelia |
Category 1 |
288 km |
| 2004 |
Jeanne |
Category 2 |
221 km |
| 2004 |
Frances |
Category 2 |
271 km |
| 2004 |
Charley |
Category 1 |
98 km |
| 2000 |
Gordon |
Category 1 |
293 km |
| 1999 |
Floyd |
Category 3 |
261 km |
| 1999 |
Irene |
Category 1 |
195 km |
| 1995 |
Erin |
Category 1 |
288 km |
| 1985 |
Elena |
Category 3 |
233 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
451 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 5 fatalities, 120 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Dec 2, 2018 |
EF3 |
92 km |
0 |
| Feb 7, 1971 |
EF3 |
27 km |
0 |
| Feb 25, 1960 |
EF3 |
83 km |
0 |
| Apr 15, 1958 |
EF3 |
51 km |
0 |
| Oct 12, 2023 |
EF2 |
71 km |
0 |
| Sep 10, 2017 |
EF2 |
63 km |
0 |
| Mar 7, 2008 |
EF2 |
84 km |
1 |
| Apr 15, 2007 |
EF2 |
74 km |
0 |
| Dec 25, 2006 |
EF2 |
61 km |
0 |
| Aug 12, 2004 |
EF2 |
54 km |
0 |
| Mar 29, 2001 |
EF2 |
14 km |
0 |
| Feb 2, 1996 |
EF2 |
39 km |
0 |
| Apr 24, 1995 |
EF2 |
38 km |
0 |
| Oct 2, 1994 |
EF2 |
87 km |
0 |
| Mar 14, 1986 |
EF2 |
61 km |
0 |
| Feb 27, 1984 |
EF2 |
99 km |
0 |
| Feb 27, 1984 |
EF2 |
30 km |
0 |
| Nov 20, 1983 |
EF2 |
87 km |
0 |
| Apr 9, 1983 |
EF2 |
99 km |
0 |
| Feb 2, 1983 |
EF2 |
68 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: BIG TURNAROUND COMPLEX (328,827 ac, 2007).
| Year |
Name |
Acres |
Distance |
| 2007 |
BIG TURNAROUND COMPLEX |
328,827 |
87 km |
| 2017 |
WEST MIMS |
166,737 |
88 km |
| 2011 |
HONEY PRAIRIE |
147,065 |
92 km |
| 2002 |
BLACKJACK BAY COMPLEX |
107,076 |
92 km |
| 1999 |
FRIENDLY |
75,089 |
84 km |
| 2012 |
COUNTY LINE |
35,440 |
86 km |
| 2004 |
IMPASSABLE ONE |
29,836 |
75 km |
| 1998 |
UNNAMED |
24,956 |
65 km |
| 1998 |
OAK |
21,478 |
76 km |
| 1990 |
SHORTS |
21,413 |
99 km |
| 2004 |
UNNAMED |
18,577 |
78 km |
| 1998 |
UNNAMED |
16,594 |
61 km |
| 1989 |
PIN HOOK |
16,471 |
81 km |
| 2014 |
UNNAMED |
14,543 |
66 km |
| 1998 |
UNNAMED |
13,873 |
45 km |
| 2007 |
UNNAMED |
13,806 |
34 km |
| 2006 |
JUNIPER |
11,998 |
85 km |
| 2011 |
IMPASSABLE BAY |
11,889 |
79 km |
| 2020 |
CPT 3 ALBERT/CPT 119 HANCOCK |
10,724 |
75 km |
| 1985 |
UNNAMED |
9,807 |
76 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
56°F (13°C) |
3.4 in |
Coldest |
| February |
57°F (14°C) |
3.5 in |
|
| March |
63°F (17°C) |
3.9 in |
|
| April |
68°F (20°C) |
2.5 in |
|
| May |
74°F (23°C) |
3.5 in |
|
| June |
79°F (26°C) |
6.3 in |
|
| July |
81°F (27°C) |
6.2 in |
Warmest |
| August |
80°F (27°C) |
7.0 in |
Wettest |
| September |
78°F (26°C) |
6.3 in |
|
| October |
71°F (22°C) |
2.9 in |
|
| November |
63°F (17°C) |
2.4 in |
Driest |
| December |
57°F (14°C) |
2.7 in |
|
Penney Farms has a seasonal temperature swing of 26°F / from 56°F in January to 81°F in July. Total annual precipitation is 50.4 inches, with August being the wettest month (7.0") and November the driest (2.4").
Average costs for common services in Penney Farms. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$259 ($155–$414) |
| Specialist Visit |
$362 ($207–$569) |
| Urgent Care Visit |
$207 ($103–$362) |
| Emergency Room Visit |
$2,275 ($827–$5,170) |
| Dental Cleaning |
$134 ($78–$207) |
| Dental Filling |
$259 ($155–$414) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26–$78) |
| Oil Change (Synthetic) |
$78 ($52–$124) |
| Brake Pad Replacement |
$310 ($155–$517) |
| Tire Rotation |
$41 ($21–$78) |
| New Tires (Set of 4) |
$620 ($414–$1,034) |
| Battery Replacement |
$207 ($103–$362) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$103 ($62–$155) |
| Electrician (Per Hour) |
$93 ($52–$145) |
| HVAC Repair |
$414 ($155–$827) |
| HVAC System Install |
$7,238 ($4,136–$12,408) |
| Roof Repair |
$1,034 ($414–$2,068) |
| Roof Replacement |
$9,306 ($5,687–$15,510) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,551 ($517–$3,619) |
| Divorce (Contested) |
$15,510 ($5,170–$31,020) |
| DUI Defense |
$5,170 ($2,068–$10,340) |
| Bankruptcy (Chapter 7) |
$1,551 ($827–$3,102) |
| Will Preparation |
$517 ($207–$1,034) |
| Trust Preparation |
$2,585 ($1,034–$5,170) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16–$47) |
| Women's Haircut |
$57 ($31–$103) |
| Hair Coloring (Full) |
$155 ($78–$259) |
| Manicure |
$26 ($16–$47) |
| Pedicure |
$41 ($26–$67) |
| Massage (1 Hour) |
$83 ($52–$134) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.24 ($3.10–$5.69) |
| Dozen Eggs (per dozen) |
$3.62 ($2.59–$5.17) |
| Loaf of Bread |
$3.93 ($2.59–$5.69) |
| Chicken Breast (per lb) |
$4.65 ($3.10–$6.72) |
| Ground Beef (per lb) |
$5.69 ($4.14–$7.76) |
| Rice (per lb) |
$1.03 ($0.62–$1.86) |
View all 20 services
Utilities
| Electricity (Monthly) |
$145 ($83–$259) |
| Natural Gas (Monthly) |
$72 ($31–$155) |
| Water/Sewer (Monthly) |
$72 ($41–$124) |
| Internet (Monthly) |
$72 ($41–$103) |
| Cell Phone Plan (Monthly) |
$67 ($31–$103) |
| Cable TV (Monthly) |
$88 ($52–$155) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$207 ($78–$517) |
| Car Insurance (Annual) |
$2,068 ($1,241–$3,619) |
| Bus Pass (Monthly) |
$72 ($31–$134) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.27–$26) |
| Car Registration (Annual) |
$103 ($31–$259) |
| Driver's License Renewal |
$31 ($16–$78) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,241 ($620–$2,585) |
| Daycare (Toddler, Monthly) |
$1,034 ($517–$2,068) |
| After-School Care (Monthly) |
$414 ($207–$724) |
| Tutoring (Per Hour) |
$52 ($26–$103) |
| SAT/ACT Prep Course |
$1,034 ($414–$2,585) |
| Private School (K-12, Annual) |
$12,925 ($5,170–$31,020) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$62 ($31–$103) |
| Dog Vaccination (Annual) |
$103 ($52–$207) |
| Dog Grooming |
$62 ($31–$103) |
| Pet Boarding (Per Night) |
$41 ($21–$78) |
| Dog Spay/Neuter |
$310 ($155–$517) |
| Cat Spay/Neuter |
$207 ($103–$414) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $866 |
| Toddler | $736 |
| Preschool | $671 |
| Family Childcare (monthly) |
| Infant | $758 |
| Toddler | $671 |
| Preschool | $650 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Penney Farms
What is the population of Penney Farms?
Penney Farms has a population of 573 residents and is located in Florida. The population density is 392 people per square mile, spread across 1.4 square miles. The median age of residents is 79.9 years, which is older than the national median of 38.9 years. The population is 54.6% female and 45.4% male.
Is Penney Farms expensive to live in?
Penney Farms has a cost of living roughly in line with the national average, with an index of 103.4 (baseline: 100). The median household income is $60,625, 19% below the national average of $75,149. The median home value is $213,300 (24% below the U.S. median). Renters pay a median of $1,893 per month, above the national average of $1,163. The home price-to-income ratio is 3.5x, indicating housing is reasonably affordable relative to local income levels.
Is Penney Farms safe?
Public safety is a concern in Penney Farms, with a violent crime rate of 666 per 100,000 / significantly above the national average of 380. However, crime tends to concentrate in certain areas, and many neighborhoods remain relatively safe. Property crime occurs at a rate of 2,889 per 100,000 (above the national average). Overall, Penney Farms receives a safety grade of F based on combined crime data.
What is the weather like in Penney Farms?
Penney Farms enjoys a temperate climate with an average annual temperature of 70°F (21°C). Winter temperatures average 56°F in January, while summers reach an average of 81°F in July. The area receives 314 sunny days per year, well above the national average of 205. Annual rainfall totals 51.4 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Penney Farms?
The job market in Penney Farms is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,052. There are 5,454 business establishments in the area, including 339 restaurants and food service locations. The average commute time is 36 minutes, and 34.2% of workers work from home.
How much does housing cost in Penney Farms?
The median home value in Penney Farms is $213,300. Zillow estimates the typical home value at $461,236. For renters, the median monthly rent is $1,893. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 14.0%. The average annual property tax is $5,582.
How are the schools in Penney Farms?
Schools in Penney Farms score 6.2 out of 10 on standardized testing, near the national average. 51.5% of adults in Penney Farms hold a bachelor's degree or higher, above the national average of 33.7%. 87.4% have completed high school. 27.0% hold a graduate or professional degree.
How healthy is Penney Farms?
The obesity rate in Penney Farms is 35.6% (above the national rate of 32.1%). 16.4% of adults are smokers. 26.6% are physically inactive. 20.2% of residents report depression. 13.9% lack health insurance (above the national rate). 78.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,869.
What is transportation like in Penney Farms?
The average commute in Penney Farms is 36 minutes, longer than the national average of 28 minutes. 36.8% of workers drive alone to work, and 34.2% work from home.
What are the demographics of Penney Farms?
The racial and ethnic makeup of Penney Farms is 94.4% White, 3.5% Black or African American. 98.7% of residents speak only English at home. 17.7% of the population are military veterans. 33.4% of residents have a disability. 91.0% have health insurance coverage.