In Flagler Beach, a typical home is worth $557,600 and typical rent is $1,462 a month. Compared with all of Flagler County, the typical home value is 53% higher and typical rent is 15% lower.
Typical home value from Zillow, September 2021 to September 2026: from $423,861 to $457,541.
Typical rent
$2,032a month
▲ 4.7% more than 12 months ago
Typical rent from Zillow, September 2025 to September 2026: from $1,940 to $2,032.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Flagler Beach is in Flagler 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 Flagler County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Holly Hill, the typical home value is $205,100: 63% less than in Flagler Beach ($557,600).
2
The typical home in Flagler Beach is worth $557,600,53% more than in Flagler County as a whole ($364,900).
3
The typical rent in Flagler Beach is $1,462 a month, 15% less than in Flagler County as a whole ($1,722).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Flagler Beach
What homes there are in Flagler 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Flagler Beach
Flagler County
Florida
United States
Kind of home: Flagler Beach and its comparisons
Measure
Flagler Beach
Flagler County
Florida
United States
Detached house
64%
80%
55%
61%
Attached house
14%
5%
7%
6%
Building of 2 to 4
Unreliable estimate
3%
6%
8%
Apartments (5 or more)
Unreliable estimate
8%
25%
19%
Mobile home
Unreliable estimate
4%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Flagler Beach, but it weighs less than in Flagler County: 64% against 80%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Flagler Beach
Flagler County
Florida
United States
Year built: Flagler Beach and its comparisons
Measure
Flagler Beach
Flagler County
Florida
United States
Before 1960
Unreliable estimate
2%
10%
26%
1960–1979
28%
7%
24%
24%
1980–1999
44%
34%
34%
25%
2000–2009
12%
39%
18%
14%
2010 or later
11%
20%
14%
11%
Homes in Flagler Beach are older: the typical year built is 1985; in Flagler County, 2002.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K9%
$300K–$500K28%
$500K–$750K32%
$750K–$1M17%
$1M or moreUnreliable
Value of owner-occupied homes: Flagler Beach and its comparisons
Measure
Flagler Beach
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
9%
$300K–$500K
28%
$500K–$750K
32%
$750K–$1M
17%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Flagler Beach and its comparisons
Measure
Flagler Beach
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,033 a month
Flagler County: $1,736 a month
Without a mortgage
$798 a month
Flagler County: $630 a month
Owners with a mortgage
50%
Flagler County: 58%
In Flagler Beach, 50% of owners have a mortgage, and their typical cost is $2,033 a month, against $1,736 in Flagler County. Without one it drops to $798.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Flagler Beach+83%
Flagler County+68%
Florida+67%
United States+53%
Typical rent
Flagler BeachNo clear change
Flagler County+37%
Florida+42%
United States+33%
Typical household income
Flagler Beach+72%
Flagler County+42%
Florida+34%
United States+29%
Change since 2015–2019: Flagler Beach and its comparisons
Measure
Flagler Beach
Flagler County
Florida
United States
Typical home value
+83%
+68%
+67%
+53%
Typical rent
No clear change
+37%
+42%
+33%
Typical household income
+72%
+42%
+34%
+29%
Since 2015–2019, homes in Flagler Beach gained value faster than in Flagler County: 83% against 68%.
Since 2015–2019, the typical rent in Flagler Beach did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Flagler Beach and its comparisons
Measure
Flagler Beach
Flagler County
Florida
United States
Rental vacancy
Unreliable estimate
8.1%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.4%
0.9%
More than one person per room
Unreliable estimate
1.2%
3.3%
3.4%
People per household
2.04
2.39
2.51
2.53
Drive alone
60%
67%
70%
69%
Carpool
Unreliable estimate
11%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
32%
18%
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
On average, a household in Flagler Beach has 2.04 people, fewer than in Flagler County (2.39).
In Flagler Beach, 32% of workers work from home, more than in Flagler County (18%).
Do the math
What would you pay each month for a home in Flagler Beach?
A typical home costs more than the typical income allows
We start with a typical home in Flagler Beach, worth $557,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 64% of the typical household income in Flagler Beach, which is $84,632 a year. For that payment to be 28% of income, a household would need to earn about $194,219 a year.
The calculator's FHA and conventional loan limits are those of all of Flagler 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 Flagler Beach. 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 $19,516 (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
$4,532
at 7.18% · 30 years
Loan amount
$547,500
Total interest
$787,725
Paid off in
November 2056
Includes $9,416 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,975 a month
Tight
$1,975 to $2,539 a month
Hard
more than $2,539 a month
Your payment · 64%
Compared with the typical household income in Flagler Beach ($84,632 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,709
Property tax
$344
Home insurance
$232
FHA mortgage insurance (MIP)
$247
You need at least $19,516 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 $4,532; principal and interest $3,709.
The city and its county
Flagler Beach and Flagler County
Flagler Beach is in Flagler 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).
Map of Flagler County, Florida, with Flagler Beach marked. Around it, the neighboring counties.
Flagler County
Flagler Beach's own numbers
Typical home value
$557,600
Typical monthly rent
$1,462
Typical yearly household income
$84,632
Households that own their home
83%
Effective property tax rate
0.74%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Flagler County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,758
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
5%
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 Flagler County.
A typical home in Flagler Beach is worth $557,600: 53% above the county and 55% above Florida. With the typical household income in Flagler Beach ($84,632 a year), a typical home costs 6.6 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.
Flagler Beach6.6 years
Flagler4.7 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Flagler County
According to FHFA’s house price index, home prices in Flagler County rose 107% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Flagler County.
Yearly change in FHFA’s price index in Flagler County, 2016 to 2025
2016: +9.1% +9.1% 2016
2017: +7.6% +7.6% 2017
2018: +7.1% +7.1% 2018
2019: +4.8% +4.8% 2019
2020: +4.5% +4.5% 2020
2021: +18.0% +18.0% 2021
2022: +24.8% +24.8% 2022
2023: +3.5% +3.5% 2023
2024: +1.4% +1.4% 2024
2025: −3.0% −3.0% 2025
Change in FHFA’s price index in Flagler County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−3.0%
−0.5%
+2.9%
5 years (2020–2025)
+50%
+60%
+47%
10 years (2015–2025)
+107%
+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
Flagler Beach next to Flagler 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
Flagler Beach$557,600
Flagler$364,900
Florida$359,000
United States$332,700
Typical monthly rent
Flagler Beach$1,462
Flagler$1,722
Florida$1,669
United States$1,413
Typical yearly household income
Flagler Beach$84,632
Flagler$77,363
Florida$74,568
United States$80,734
See the full table
Flagler Beach next to Flagler County and Florida
Measure
Flagler Beach
Flagler County
Florida
U.S.
Typical home value
$557,600 ▲53% above the county
$364,900
$359,000
$332,700
Typical monthly rent
$1,462 ▼15% below the county
$1,722
$1,669
$1,413
Typical yearly household income
$84,632 ▲9% above the county
$77,363
$74,568
$80,734
Households that own their home
83%
83%
68%
65%
Typical yearly property tax
$4,118 ▲48% above the county
$2,789
$2,730
$3,119
Effective property tax rate
0.74% ▼0.02 points below the county
0.76%
0.76%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Flagler 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 Flagler Beach
For a typical $557,600 home in Flagler Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Flagler Beach's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,532a month
Above the FHA limit for Flagler County ($541,287)
Down payment
$19,516
Cash to close
$36,244
Rate
7.18%
Mortgage insurance
FHA MIP · $247
Conventional, 5% down$4,430a month
Least cash to close
Down payment
$27,880
Cash to close
$44,608
Rate
7.18%
Mortgage insurance
PMI · $265
Conventional, 20% down, no PMI$3,598a month
Down payment
$111,520
Cash to close
$128,248
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,114a month
Down payment
$83,640
Cash to close
$100,368
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Flagler Beach
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Flagler County ($541,287)
$4,532
$19,516
$547,500
7.18%
FHA MIP · $247
$36,244
580
Conventional, 5% down Least cash to close
$4,430
$27,880
$529,720
7.18%
PMI · $265
$44,608
620*
Conventional, 20% down, no PMI
$3,598
$111,520
$446,080
7.18%
None
$128,248
620*
ITIN, 15% down (example)
$4,114
$83,640
$473,960
8.18%
None
$100,368
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Flagler Beach is $1,462 a month: 15% below the county.
HUD publishes a fair market rent for all of Flagler County, by unit size. To pay the 2-bedroom one ($1,758 a month) without spending more than 30% of your income, you would need to earn $33.81 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 Flagler County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,326
$25.50
$53,040
1 bedroom
$1,376
$26.46
$55,040
2 bedrooms
$1,758
$33.81
$70,320
3 bedrooms
$2,361
$45.40
$94,440
4 bedrooms
$2,581
$49.63
$103,240
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 Flagler Beach
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Flagler Beach is in ZIP code 32136.
For 2 bedrooms it is $1,630: $128 less than the fair market rent for Flagler County ($1,758).
Fair market rent by ZIP code and size in Flagler Beach, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
32136
$1,160
$1,290
$1,630
$2,230
$2,520
ZIP code2 bd3 bd
32136 $1,630$2,230
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Flagler 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 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.
We found no HUD-approved agencies with an office in Flagler County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Flagler Beach or Flagler County. The ones below are statewide in Florida: they work in Flagler Beach 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.
The HUD-approved agencies closest to the center of Flagler Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Flagler Beach or Flagler 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 Flagler Beach and all of Flagler 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 Flagler Beach?
The typical home value in Flagler Beach is $557,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Flagler County it is $364,900.
How much does it cost to rent in Flagler Beach?
Typical rent in Flagler Beach is $1,462 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Flagler County is $1,758.
What is the FHA loan limit in Flagler Beach?
Flagler Beach uses the FHA limit for all of Flagler 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 Flagler Beach?
The typical homeowner in Flagler Beach pays $4,118 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Flagler County, the rate is 0.76%.
Where can I find free help to buy or rent in Flagler Beach?
We found no HUD-approved counseling agencies with an office in Flagler County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
