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City · 22,869 residents · Volusia County, Florida

DeBary , Florida

In DeBary, a typical home is worth $349,700 and typical rent is $1,751 a month. Compared with all of Volusia County, typical household income is 26% higher, typical rent is 19% higher, and the share of households that own their home is 13 points higher.

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  • Typical home value

    $349,700

    12% above the county

    3% below Florida

    • DeBary
    • Volusia
    • Florida

  • Typical rent

    $1,751a month

    19% above the county

    5% above Florida

    • DeBary
    • Volusia
    • Florida

  • Typical household income

    $88,569a year

    26% above the county

    19% above Florida

    • DeBary
    • Volusia
    • Florida

  • Households that own their home

    87%

    13 points above the county

    19 points above Florida

    • DeBary
    • Volusia
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$378,912
about the same as 12 months ago
Typical rent
$2,209 a month
5.3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

DeBary is in Volusia County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Volusia County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets DeBary apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Orange City, the typical home value is $259,100: 26% less than in DeBary ($349,700).

  2. The typical household income in DeBary is $88,569, 26% more than in Volusia County as a whole ($70,044).

  3. 87% of households in DeBary own their home, against 74% in Volusia County.

  4. The typical rent in DeBary is $1,751 a month, 19% more than in Volusia County as a whole ($1,467).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in DeBary

What homes there are in DeBary, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 85% of homes here, against 65% in Volusia County.

Year built

Homes in DeBary are newer: the typical year built is 1993; in Volusia County, 1986.

Homes in DeBary are bigger: 75% have 3 bedrooms or more; in Volusia County, 58%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Volusia County is $541,287, and about 84% of owner-occupied homes in DeBary are worth less than that.

Monthly rent with utilities

With a mortgage

$1,828 a month

Volusia County: $1,688 a month

Without a mortgage

$674 a month

Volusia County: $636 a month

Owners with a mortgage

62%

Volusia County: 56%

In DeBary, 62% of owners have a mortgage, and their typical cost is $1,828 a month, against $1,688 in Volusia County. Without one it drops to $674.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in DeBary gained value more slowly than in Volusia County: 66% since 2015–2019, against 79%.

The typical rent in DeBary rose 55% over the same time; in Volusia County, it rose 40%.

Here income did not keep up with housing: it rose 36%, while home values changed +66% and rent +55%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDeBaryVolusia CountyFloridaUnited States
Rental vacancy Unreliable estimate7.4%7.6%5.5%
Homeowner vacancy Unreliable estimate1.4%1.4%0.9%
More than one person per room Unreliable estimate2.2%3.3%3.4%
People per household 2.402.332.512.53
Drive alone 69%73%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 20%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in DeBary has 2.40 people on average, about the same as in Volusia County (2.33).

Working from home is more common in DeBary: 20%, against 14% in Volusia County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in DeBary?

A typical home costs more than the typical income allows

We start with a typical home in DeBary, worth $349,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in DeBary, which is $88,569 a year. For that payment to be 28% of income, a household would need to earn about $123,428 a year.

The calculator's FHA and conventional loan limits are those of all of Volusia County.

Your numbers

Local data
$

Starts at the typical home value in DeBary. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,240 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,880

at 7.18% · 30 years

Loan amount
$343,366
Total interest
$494,022
Paid off in
November 2056

Includes $5,906 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,067 a month

  • Tight

    $2,067 to $2,657 a month

  • Hard

    more than $2,657 a month

    Your payment · 39%

Compared with the typical household income in DeBary ($88,569 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,880
Principal & interest$2,326
Property tax$254
Home insurance$146
FHA mortgage insurance (MIP)$155

You need at least $12,240 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

DeBary and Volusia County

DeBary is in Volusia County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

DeBary's own numbers

Typical home value
$349,700
Typical monthly rent
$1,751
Typical yearly household income
$88,569
Households that own their home
87%
Effective property tax rate
0.87%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Volusia County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,673
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
8.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Volusia County.

Everything about Volusia County

Buying

Buying a home in DeBary

A typical home in DeBary is worth $349,700: 12% above the county and 3% below Florida. With the typical household income in DeBary ($88,569 a year), a typical home costs 3.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • DeBary 3.9 years
  • Volusia 4.5 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Volusia County

According to FHFA’s house price index, home prices in Volusia County rose 140% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Volusia County.

Period County Florida U.S.
Last year (2025) −1.0% −0.5% +2.9%
5 years (2020–2025) +56% +60% +47%
10 years (2015–2025) +140% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

DeBary next to Volusia County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • DeBary $349,700
  • Volusia $313,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • DeBary $1,751
  • Volusia $1,467
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • DeBary $88,569
  • Volusia $70,044
  • Florida $74,568
  • United States $80,734
See the full table
DeBary next to Volusia County and Florida
Measure DeBary Volusia County Florida U.S.
Typical home value $349,700 $313,000 $359,000 $332,700
Typical monthly rent $1,751 $1,467 $1,669 $1,413
Typical yearly household income $88,569 $70,044 $74,568 $80,734
Households that own their home 87% 74% 68% 65%
Typical yearly property tax $3,059 $2,395 $2,730 $3,119
Effective property tax rate 0.87% 0.77% 0.76% 0.94%
Renters with high rent for their income 60% 58% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Volusia County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in DeBary

For a typical $349,700 home in DeBary, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, DeBary's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,880a month

    Least cash to close
    Down payment
    $12,240
    Cash to close
    $22,731
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $155

  • Conventional, 5% down $2,816a month

    Down payment
    $17,485
    Cash to close
    $27,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $166

  • Conventional, 20% down, no PMI $2,294a month

    Down payment
    $69,940
    Cash to close
    $80,431
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,618a month

    Down payment
    $52,455
    Cash to close
    $62,946
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for DeBary and for Volusia County.

Property tax

Effective rate in DeBary

0.87%of the home’s value each year

$3,059 a year for the typical owner in DeBary.

  • DeBary 0.87%
  • Volusia 0.77%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Volusia County

FEMA does not publish these numbers by city: they are for all of Volusia County.

Homes in the high-risk zone
8.4%
19,091
Of those, with NFIP insurance
57%
County Florida U.S.
Homes in the high-risk zone 8.4% 13% 3.5%
Of those, with NFIP insurance 57% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in DeBary

Typical rent in DeBary is $1,751 a month: 19% above the county. In DeBary, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Volusia County, by unit size. To pay the 2-bedroom one ($1,673 a month) without spending more than 30% of your income, you would need to earn $32.17 an hour working full time.

HUD fair market rent for all of Volusia County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,258 $24.19 $50,320
1 bedroom $1,363 $26.21 $54,520
2 bedrooms $1,673 $32.17 $66,920
3 bedrooms $2,204 $42.38 $88,160
4 bedrooms $2,403 $46.21 $96,120

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in DeBary

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). DeBary is in ZIP code 32713.

For 2 bedrooms it is $1,920: $247 more than the fair market rent for Volusia County ($1,673).

  • 32713 $1,920$2,530

A ZIP code counts for DeBary when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in DeBary

HUD lists 3 buildings with rents for lower incomes in DeBary. These are the largest.

  • Saxon Cove Saxon BLVD, Debary 32713 84 low-income homes · In service since 2013 · For families
  • Debary Villas 19 S Woodberry Dr, Debary 32713 83 homes · 1 bd: 48 · 2 bd: 19 · In service since 2019 · For families
  • Ridgecrest Manor 37 Ridgeview Dr, Debary 32713 49 homes · 1 bd: 24 · 2 bd: 24 · In service since 2019 · For families

See all 58 buildings in Volusia County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in DeBary

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Volusia County; 3 say they serve in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in DeBary

No down payment, repair or rent-help program on our list is for DeBary or Volusia County. The ones below are statewide in Florida: they work in DeBary the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near DeBary

The HUD-approved agencies closest to the center of DeBary, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Legal Services of Mid-Florida, Inc. - Sanford Office

    1600 Lexington Green Ln, Sanford · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (386) 255-6573

  • University of Florida/Florida Cooperative Extension - Volusia County Cooperative Extension Service

    3100 East New York Avenue, Deland · 11 miles away · Spanish

    • Homebuyer education workshops
    (386) 822-5778

  • Habitat for Humanity Seminole County Apopka

    251 Maitland Ave Ste 312, Altamonte Springs · 16 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 8 more
    (407) 696-5855

Every agency in Volusia County All counseling agencies in Florida

Help in Spanish near DeBary

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of DeBary

HUD’s record names them for DeBary or Volusia County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • County of Volusia Dept. of Community Services Section 8 vouchers (386) 740-5112

4 other authorities have an office in Volusia County: see the list Source: HUD

Cities

Other cities in Volusia County

These cities are also in Volusia County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Volusia County Housing in Florida

Nearby cities

The cities closest to DeBary, with the typical home value.

Neighboring counties

If Volusia County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in DeBary.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about DeBary

Short answers with the numbers for DeBary and all of Volusia County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in DeBary?

The typical home value in DeBary is $349,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Volusia County it is $313,000.

How much does it cost to rent in DeBary?

Typical rent in DeBary is $1,751 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Volusia County is $1,673.

What is the FHA loan limit in DeBary?

DeBary uses the FHA limit for all of Volusia County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in DeBary?

The typical homeowner in DeBary pays $3,059 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in Volusia County, the rate is 0.77%.

Where can I find free help to buy or rent in DeBary?

There are 4 HUD-approved counseling agencies with an office in Volusia County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).