In Edgewater, a typical home is worth $256,200 and typical rent is $1,309 a month. Compared with all of Volusia County, the typical home value is 18% lower, typical household income is 13% lower, and the share of households that own their home is 16 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $252,341 to $294,264.
Typical rent
$1,951a month
= about the same as 12 months ago
Typical rent from Zillow, September 2023 to September 2026: from $1,871 to $1,951.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Edgewater 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
What this place has that others do not, from public data, most unusual first.
1
90% of households in Edgewater own their home, against 74% in Volusia County.
2
The typical home in Edgewater is worth $256,200,18% less than in Volusia County as a whole ($313,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Edgewater
What homes there are in Edgewater, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Edgewater
Volusia County
Florida
United States
Kind of home: Edgewater and its comparisons
Measure
Edgewater
Volusia County
Florida
United States
Detached house
81%
65%
55%
61%
Attached house
4%
4%
7%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
19%
25%
19%
Mobile home
12%
8%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Edgewater: 81% of homes, more than in Volusia County (65%).
There are more mobile homes here than in Volusia County: 12% of homes, against 8%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Edgewater
Volusia County
Florida
United States
Year built: Edgewater and its comparisons
Measure
Edgewater
Volusia County
Florida
United States
Before 1960
7%
11%
10%
26%
1960–1979
20%
24%
24%
24%
1980–1999
47%
37%
34%
25%
2000–2009
18%
17%
18%
14%
2010 or later
8%
11%
14%
11%
The typical year built in Edgewater is 1988, about the same as in Volusia County (1986).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K9%
$100K–$200K15%
$200K–$300K42%
$300K–$500K30%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Edgewater and its comparisons
Measure
Edgewater
Under $100K
9%
$100K–$200K
15%
$200K–$300K
42%
$300K–$500K
30%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Volusia County is $541,287, and about 96% of owner-occupied homes in Edgewater are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49928%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Edgewater and its comparisons
Measure
Edgewater
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
28%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,566 a month
Volusia County: $1,688 a month
Without a mortgage
$562 a month
Volusia County: $636 a month
Owners with a mortgage
54%
Volusia County: 56%
In Edgewater, 54% of owners have a mortgage, and their typical cost is $1,566 a month, against $1,688 in Volusia County. Without one it drops to $562.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Edgewater+64%
Volusia County+79%
Florida+67%
United States+53%
Typical rent
EdgewaterNo clear change
Volusia County+40%
Florida+42%
United States+33%
Typical household income
Edgewater+22%
Volusia County+42%
Florida+34%
United States+29%
Change since 2015–2019: Edgewater and its comparisons
Measure
Edgewater
Volusia County
Florida
United States
Typical home value
+64%
+79%
+67%
+53%
Typical rent
No clear change
+40%
+42%
+33%
Typical household income
+22%
+42%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Edgewater rose 64%; in Volusia County, it rose 79%.
Rent in Edgewater moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Edgewater and its comparisons
Measure
Edgewater
Volusia County
Florida
United States
Rental vacancy
Unreliable estimate
7.4%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.2%
3.3%
3.4%
People per household
2.17
2.33
2.51
2.53
Drive alone
79%
73%
70%
69%
Carpool
9%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
10%
14%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.17 on average, against 2.33 in Volusia County.
To get to work, 79% of workers in Edgewater drive alone; in Volusia County, 73%.
Do the math
What would you pay each month for a home in Edgewater?
A typical home costs more than the typical income allows
We start with a typical home in Edgewater, worth $256,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Edgewater, which is $60,977 a year. For that payment to be 28% of income, a household would need to earn about $87,956 a year.
The calculator's FHA and conventional loan limits are those of all of Volusia County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Edgewater. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,967 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,052
at 7.18% · 30 years
Loan amount
$251,560
Total interest
$361,935
Paid off in
November 2056
Includes $4,327 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,423 a month
Tight
$1,423 to $1,829 a month
Hard
more than $1,829 a month
Your payment · 40%
Compared with the typical household income in Edgewater ($60,977 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,704
Property tax
$128
Home insurance
$107
FHA mortgage insurance (MIP)
$113
You need at least $8,967 for the down payment, plus closing costs.
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.
Total monthly payment $2,052; principal and interest $1,704.
The city and its county
Edgewater and Volusia County
Edgewater 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).
Edgewater
Map of Volusia County, Florida, with Edgewater marked. Around it, the neighboring counties.
Edgewater
Volusia County
Other cities with a page
Edgewater's own numbers
Typical home value
$256,200
Typical monthly rent
$1,309
Typical yearly household income
$60,977
Households that own their home
90%
Effective property tax rate
0.6%
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.
A typical home in Edgewater is worth $256,200: 18% below the county and 29% below Florida. With the typical household income in Edgewater ($60,977 a year), a typical home costs 4.2 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.
Edgewater4.2 years
Volusia4.5 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Volusia County, 2016 to 2025
2016: +11.1% +11.1% 2016
2017: +12.3% +12.3% 2017
2018: +9.8% +9.8% 2018
2019: +6.5% +6.5% 2019
2020: +5.9% +5.9% 2020
2021: +16.6% +16.6% 2021
2022: +23.1% +23.1% 2022
2023: +7.3% +7.3% 2023
2024: +2.0% +2.0% 2024
2025: −1.0% −1.0% 2025
Change in FHFA’s price index in Volusia County, Florida and the United States
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
Edgewater 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
Edgewater$256,200
Volusia$313,000
Florida$359,000
United States$332,700
Typical monthly rent
Edgewater$1,309
Volusia$1,467
Florida$1,669
United States$1,413
Typical yearly household income
Edgewater$60,977
Volusia$70,044
Florida$74,568
United States$80,734
See the full table
Edgewater next to Volusia County and Florida
Measure
Edgewater
Volusia County
Florida
U.S.
Typical home value
$256,200 ▼18% below the county
$313,000
$359,000
$332,700
Typical monthly rent
$1,309 ▼11% below the county
$1,467
$1,669
$1,413
Typical yearly household income
$60,977 ▼13% below the county
$70,044
$74,568
$80,734
Households that own their home
90% ▲16 points above the county
74%
68%
65%
Typical yearly property tax
$1,526 ▼36% below the county
$2,395
$2,730
$3,119
Effective property tax rate
0.6% ▼0.17 points below the county
0.77%
0.76%
0.94%
Renters with high rent for their income
65% ▲7 points above the county
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 Edgewater
For a typical $256,200 home in Edgewater, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Edgewater's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,052a month
Least cash to close
Down payment
$8,967
Cash to close
$16,653
Rate
7.18%
Mortgage insurance
FHA MIP · $113
Conventional, 5% down$2,005a month
Down payment
$12,810
Cash to close
$20,496
Rate
7.18%
Mortgage insurance
PMI · $122
Conventional, 20% down, no PMI$1,623a month
Down payment
$51,240
Cash to close
$58,926
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,860a month
Down payment
$38,430
Cash to close
$46,116
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Edgewater
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,052
$8,967
$251,560
7.18%
FHA MIP · $113
$16,653
580
Conventional, 5% down
$2,005
$12,810
$243,390
7.18%
PMI · $122
$20,496
620*
Conventional, 20% down, no PMI
$1,623
$51,240
$204,960
7.18%
None
$58,926
620*
ITIN, 15% down (example)
$1,860
$38,430
$217,770
8.18%
None
$46,116
Set by the lender
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.
Typical rent in Edgewater is $1,309 a month: 11% below the county. In Edgewater, 65% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Volusia County (Fiscal year 2027)
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 Edgewater
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Edgewater has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,530 in 32132 to $1,970 in 32168.
2 of the 3 are above the fair market rent for Volusia County ($1,673).
2-bedroom fair market rent in each of the 3 ZIP codes of Edgewater, beside the one for Volusia County. For 2 bedrooms it runs from $1,530 in 32132 to $1,970 in 32168. 2 of the 3 are above the fair market rent for Volusia County ($1,673).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,673
Lowest: $1,530 (32132)Highest: $1,970 (32168)
Fair market rent by ZIP code and size in Edgewater, fiscal year 2027.
32132
$1,100
$1,250
$1,530
$2,020
$2,190
32141
$1,290
$1,390
$1,710
$2,250
$2,460
32168
$1,480
$1,600
$1,970
$2,600
$2,830
ZIP code2 bd3 bd
32132 $1,530$2,020
32141 $1,710$2,250
32168 $1,970$2,600
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Edgewater 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
No down payment, repair or rent-help program on our list is for Edgewater or Volusia County. The ones below are statewide in Florida: they work in Edgewater the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Edgewater or Volusia County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Edgewater 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 Edgewater?
The typical home value in Edgewater is $256,200, 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 Edgewater?
Typical rent in Edgewater is $1,309 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 Edgewater?
Edgewater 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 Edgewater?
The typical homeowner in Edgewater pays $1,526 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Volusia County, the rate is 0.77%.
Where can I find free help to buy or rent in Edgewater?
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.
