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City · 67,979 residents · Palm Beach County, Florida

Delray Beach , Florida

In Delray Beach, a typical home is worth $420,300 and typical rent is $1,961 a month. Compared with all of Palm Beach County, the typical home value is 6% lower and the share of households that own their home is 7 points lower.

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  • Typical home value

    $420,300

    6% below the county

    17% above Florida

    • Delray Beach
    • Palm Beach
    • Florida

  • Typical rent

    $1,961a month

    2% above the county

    17% above Florida

    • Delray Beach
    • Palm Beach
    • Florida

  • Typical household income

    $82,041a year

    About the same as the county

    10% above Florida

    • Delray Beach
    • Palm Beach
    • Florida

  • Households that own their home

    63%

    7 points below the county

    4 points below Florida

    • Delray Beach
    • Palm Beach
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$345,071
1.6% more than 12 months ago
Typical rent
$2,820 a month
4.1% more than 12 months ago

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

Delray Beach is in Palm Beach County. The FHA loan limit ($667,000 for a one-unit home), the fair market rents and the help on this page are those of all of Palm Beach County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Delray Beach apart

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

  1. Nearby, in Deerfield Beach, the typical home value is $309,600: 26% less than in Delray Beach ($420,300).

  2. Nearby, in Lake Worth Beach, the typical rent is $1,545: 21% less than in Delray Beach ($1,961).

  3. 63% of households in Delray Beach own their home, against 70% in Palm Beach County.

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

The homes here

Housing in Delray Beach

What homes there are in Delray Beach, 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

In Delray Beach, the apartment is the most common kind of home: 39%, against 31% in Palm Beach County.

Year built

By age, homes in Delray Beach look like those in Palm Beach County: the typical year built is 1983.

In Delray Beach, 16% of homes have 1 bedroom or none (studios); 36% have 3 bedrooms or more, against 51% in Palm Beach County.

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

By price, most homes in Delray Beach sit under the FHA limit for Palm Beach County ($667,000): about 71%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Palm Beach County is $2,349; about 68% of rents in Delray Beach are below it.

With a mortgage

$2,222 a month

Palm Beach County: $2,383 a month

Without a mortgage

$949 a month

Palm Beach County: $951 a month

Owners with a mortgage

49%

Palm Beach County: 52%

In Delray Beach, 49% of owners have a mortgage, and their typical cost is $2,222 a month, against $2,383 in Palm Beach County. Without one it drops to $949.

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

The typical home value in Delray Beach rose 50% since 2015–2019, less than in Palm Beach County (58%).

The typical rent in Delray Beach rose 24% over the same time; in Palm Beach County, it rose 37%.

While home values in Delray Beach changed +50% and rent +24%, the typical household income rose 35%.

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

MeasureDelray BeachPalm Beach CountyFloridaUnited States
Rental vacancy 11.5%7.3%7.6%5.5%
Homeowner vacancy Unreliable estimate1.5%1.4%0.9%
More than one person per room 3.1%3.3%3.3%3.4%
People per household 2.242.492.512.53
Drive alone 68%70%70%69%
Carpool 6%10%9%9%
Public transit 3%2%1%3%
Walk or bike 2%2%2%3%
Work from home 19%15%16%15%
Other means 2%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Delray Beach: 11.5% is empty and offered for rent, against 7.3% in Palm Beach County.

More than one person per room: that is how 3.1% of households in Delray Beach live, near the figure in Palm Beach County (3.3%).

Fewer people live in each home here: 2.24 on average, against 2.49 in Palm Beach County.

Working from home is more common in Delray Beach: 19%, against 15% in Palm Beach 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 Delray Beach?

A typical home costs more than the typical income allows

We start with a typical home in Delray Beach, worth $420,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Delray Beach, which is $82,041 a year. For that payment to be 28% of income, a household would need to earn about $147,296 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Delray Beach. 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 $14,711 (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

$3,437

at 7.18% · 30 years

Loan amount
$412,687
Total interest
$593,759
Paid off in
November 2056

Includes $7,098 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,914 a month

  • Tight

    $1,914 to $2,461 a month

  • Hard

    more than $2,461 a month

    Your payment · 50%

Compared with the typical household income in Delray Beach ($82,041 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,437
Principal & interest$2,796
Property tax$280
Home insurance$175
FHA mortgage insurance (MIP)$186

You need at least $14,711 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

Delray Beach and Palm Beach County

Delray Beach is in Palm Beach 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).

Delray Beach's own numbers

Typical home value
$420,300
Typical monthly rent
$1,961
Typical yearly household income
$82,041
Households that own their home
63%
Effective property tax rate
0.8%

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

Numbers for all of Palm Beach County

FHA limit, one-unit home
$667,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,349
Price change over 5 years (FHFA)
+71%
Homes in a high flood-risk zone
8.2%

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 Palm Beach County.

Everything about Palm Beach County

Buying

Buying a home in Delray Beach

A typical home in Delray Beach is worth $420,300: 6% below the county and 17% above Florida. With the typical household income in Delray Beach ($82,041 a year), a typical home costs 5.1 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.

  • Delray Beach 5.1 years
  • Palm Beach 5.4 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Palm Beach County

According to FHFA’s house price index, home prices in Palm Beach County rose 139% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) +1.2% −0.5% +2.9%
5 years (2020–2025) +71% +60% +47%
10 years (2015–2025) +139% +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

Delray Beach next to Palm Beach 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
  • Delray Beach $420,300
  • Palm Beach $447,300
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Delray Beach $1,961
  • Palm Beach $1,916
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Delray Beach $82,041
  • Palm Beach $83,581
  • Florida $74,568
  • United States $80,734
See the full table
Delray Beach next to Palm Beach County and Florida
Measure Delray Beach Palm Beach County Florida U.S.
Typical home value $420,300 $447,300 $359,000 $332,700
Typical monthly rent $1,961 $1,916 $1,669 $1,413
Typical yearly household income $82,041 $83,581 $74,568 $80,734
Households that own their home 63% 70% 68% 65%
Typical yearly property tax $3,351 $3,858 $2,730 $3,119
Effective property tax rate 0.8% 0.86% 0.76% 0.94%
Renters with high rent for their income 60% 62% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Palm Beach 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 Delray Beach

For a typical $420,300 home in Delray Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Delray Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,437a month

    Least cash to close
    Down payment
    $14,711
    Cash to close
    $27,320
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $186

  • Conventional, 5% down $3,360a month

    Down payment
    $21,015
    Cash to close
    $33,624
    Rate
    7.18%
    Mortgage insurance
    PMI · $200

  • Conventional, 20% down, no PMI $2,733a month

    Down payment
    $84,060
    Cash to close
    $96,669
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,122a month

    Down payment
    $63,045
    Cash to close
    $75,654
    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 Delray Beach and for Palm Beach County.

Property tax

Effective rate in Delray Beach

0.8%of the home’s value each year

$3,351 a year for the typical owner in Delray Beach.

  • Delray Beach 0.8%
  • Palm Beach 0.86%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Palm Beach County

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

Homes in the high-risk zone
8.2%
43,577
Of those, with NFIP insurance
43%
County Florida U.S.
Homes in the high-risk zone 8.2% 13% 3.5%
Of those, with NFIP insurance 43% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Delray Beach

Typical rent in Delray Beach is $1,961 a month: 2% above the county. In Delray Beach, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Palm Beach County, by unit size. To pay the 2-bedroom one ($2,349 a month) without spending more than 30% of your income, you would need to earn $45.17 an hour working full time.

HUD fair market rent for all of Palm Beach 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 $1,907 $36.67 $76,280
1 bedroom $2,008 $38.62 $80,320
2 bedrooms $2,349 $45.17 $93,960
3 bedrooms $3,052 $58.69 $122,080
4 bedrooms $3,523 $67.75 $140,920

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 Delray Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Delray Beach has 3 ZIP codes with their own.

For 2 bedrooms it runs from $2,190 in 33444 to $3,100 in 33483.

2 of the 3 are above the fair market rent for Palm Beach County ($2,349).

  • 33444 $2,190$2,850
  • 33445 $2,480$3,220
  • 33483 $3,100$4,030

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Delray Beach 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 Delray Beach

HUD lists 10 buildings with rents for lower incomes in Delray Beach. These are the largest.

  • Lake Delray 700 Lindell Blvd, Delray Beach 33444 404 low-income homes · Studio: 4 · 1 bd: 360 · 2 bd: 40 · In service since 2000 · For families
  • Auburn Trace 625 Auburn Cir W, Delray Beach 33444 256 low-income homes
  • Groves of Delray 1301 SW 10th Ave, Delray Beach 33444 158 low-income homes · 1 bd: 86 · 2 bd: 72 · In service since 2012 · For older adults, families
  • Village at Delray 695 Auburn Ave, Delray Beach 33444 144 low-income homes · 1 bd: 18 · 2 bd: 72 · 3 bd: 54 · In service since 2011 · For families
  • Villas at Village Square 737 Village Square Cir, Delray Beach 33444 144 low-income homes · 1 bd: 45 · 2 bd: 45 · In service since 2014 · For families

See all 90 buildings in Palm Beach County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Delray Beach

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 8 HUD-approved agencies with an office in Palm Beach County; 5 say they serve in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Delray Beach

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Delray Beach

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

  • Gateway To Housing

    160 Congress Park Dr Ste 116, Delray Beach · 0 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (561) 536-8503

  • Housing Foundation of America - Lake Worth Florida

    8461 Lake Worth Rd, Lake Worth · 12 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (561) 713-1457

  • West Palm Beach Housing Authority

    3700 Georgia Ave, West Palm Beach · 15 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (561) 655-8530

Every agency in Palm Beach County All counseling agencies in Florida

Help in Spanish near Delray Beach

None 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 Delray Beach

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

  • Delray Beach Housing Authority Public housing and Section 8 vouchers (561) 272-6766
  • Palm Beach County Housing Authority Public housing and Section 8 vouchers (561) 684-2160

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

Cities

Other cities in Palm Beach County

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

Everything about Palm Beach County Housing in Florida
See 10 more cities in Palm Beach County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Delray Beach, with the typical home value.

Neighboring counties

If Palm Beach 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 Delray Beach.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Delray Beach

Short answers with the numbers for Delray Beach and all of Palm Beach 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 Delray Beach?

The typical home value in Delray Beach is $420,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Palm Beach County it is $447,300.

How much does it cost to rent in Delray Beach?

Typical rent in Delray Beach is $1,961 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Palm Beach County is $2,349.

What is the FHA loan limit in Delray Beach?

Delray Beach uses the FHA limit for all of Palm Beach County (2026): $667,000 for a one-unit home and $1,282,700 for a four-unit home.

How much property tax do owners pay in Delray Beach?

The typical homeowner in Delray Beach pays $3,351 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Palm Beach County, the rate is 0.86%.

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

There are 8 HUD-approved counseling agencies with an office in Palm Beach County. 5 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).