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City · 13,084 residents · Volusia County, Florida

Holly Hill , Florida

In Holly Hill, a typical home is worth $205,100 and typical rent is $1,431 a month. Compared with all of Volusia County, the typical home value is 34% lower, typical household income is 21% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $205,100

    34% below the county

    43% below Florida

    • Holly Hill
    • Volusia
    • Florida

  • Typical rent

    $1,431a month

    2% below the county

    14% below Florida

    • Holly Hill
    • Volusia
    • Florida

  • Typical household income

    $55,412a year

    21% below the county

    26% below Florida

    • Holly Hill
    • Volusia
    • Florida

  • Households that own their home

    53%

    21 points below the county

    15 points below Florida

    • Holly Hill
    • Volusia
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$199,089
about the same as 12 months ago
Typical rent
$1,526 a month
4.9% more than 12 months ago

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

Holly Hill 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 Holly Hill apart

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

  1. 53% of households in Holly Hill own their home, against 74% in Volusia County.

  2. The typical home in Holly Hill is worth $205,100, 34% less than in Volusia County as a whole ($313,000).

  3. The typical household income in Holly Hill is $55,412, 21% less than in Volusia County as a whole ($70,044).

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

The homes here

Housing in Holly Hill

What homes there are in Holly Hill, 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 Holly Hill, 6 in 10 homes are single-family detached houses; in Volusia County, 6.

Year built

In Holly Hill, half of the homes were built before 1978; in Volusia County, before 1986.

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

At least 95% of owner-occupied homes in Holly Hill are worth less than $500,000, below the FHA loan limit for Volusia County ($541,287).

Monthly rent with utilities

With a mortgage

$1,395 a month

Volusia County: $1,688 a month

Without a mortgage

$531 a month

Volusia County: $636 a month

Owners with a mortgage

47%

Volusia County: 56%

Owning costs less in Holly Hill: with a mortgage, the typical cost is $1,395 a month; in Volusia County, $1,688. Without one, $531.

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 Holly Hill rose 94% since 2015–2019, more than in Volusia County (79%).

Since 2015–2019, the typical rent in Holly Hill rose 53%, more than in Volusia County (40%).

The typical household income in Holly Hill rose 58% over that time; home values changed +94% and rent +53%.

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

MeasureHolly HillVolusia 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 2.262.332.512.53
Drive alone 71%73%70%69%
Carpool 11%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Holly Hill look like those in Volusia County: 2.26 people on average.

To get to work, 71% of workers in Holly Hill drive alone; in Volusia County, 73%.

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 Holly Hill?

A typical home is tight for the typical income

We start with a typical home in Holly Hill, worth $205,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Holly Hill, which is $55,412 a year. For that payment to be 28% of income, a household would need to earn about $70,853 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 Holly Hill. 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 $7,179 (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

$1,653

at 7.18% · 30 years

Loan amount
$201,385
Total interest
$289,745
Paid off in
November 2056

Includes $3,464 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,293 a month

  • Tight

    $1,293 to $1,662 a month

    Your payment · 36%

  • Hard

    more than $1,662 a month

Compared with the typical household income in Holly Hill ($55,412 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,653
Principal & interest$1,364
Property tax$113
Home insurance$86
FHA mortgage insurance (MIP)$91

You need at least $7,179 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

Holly Hill and Volusia County

Holly Hill 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).

Holly Hill's own numbers

Typical home value
$205,100
Typical monthly rent
$1,431
Typical yearly household income
$55,412
Households that own their home
53%
Effective property tax rate
0.66%

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 Holly Hill

A typical home in Holly Hill is worth $205,100: 34% below the county and 43% below Florida. With the typical household income in Holly Hill ($55,412 a year), a typical home costs 3.7 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.

  • Holly Hill 3.7 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

Holly Hill 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
  • Holly Hill $205,100
  • Volusia $313,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Holly Hill $1,431
  • Volusia $1,467
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Holly Hill $55,412
  • Volusia $70,044
  • Florida $74,568
  • United States $80,734
See the full table
Holly Hill next to Volusia County and Florida
Measure Holly Hill Volusia County Florida U.S.
Typical home value $205,100 $313,000 $359,000 $332,700
Typical monthly rent $1,431 $1,467 $1,669 $1,413
Typical yearly household income $55,412 $70,044 $74,568 $80,734
Households that own their home 53% 74% 68% 65%
Typical yearly property tax $1,356 $2,395 $2,730 $3,119
Effective property tax rate 0.66% 0.77% 0.76% 0.94%
Renters with high rent for their income 54% 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 Holly Hill

For a typical $205,100 home in Holly Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Holly Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,653a month

    Least cash to close
    Down payment
    $7,179
    Cash to close
    $13,332
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $91

  • Conventional, 5% down $1,616a month

    Down payment
    $10,255
    Cash to close
    $16,408
    Rate
    7.18%
    Mortgage insurance
    PMI · $97

  • Conventional, 20% down, no PMI $1,310a month

    Down payment
    $41,020
    Cash to close
    $47,173
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,499a month

    Down payment
    $30,765
    Cash to close
    $36,918
    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 Holly Hill and for Volusia County.

Property tax

Effective rate in Holly Hill

0.66%of the home’s value each year

$1,356 a year for the typical owner in Holly Hill.

  • Holly Hill 0.66%
  • 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 Holly Hill

Typical rent in Holly Hill is $1,431 a month: 2% below the county. In Holly Hill, 54% 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 Holly Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Holly Hill is in ZIP code 32117.

For 2 bedrooms it is $1,740: $67 more than the fair market rent for Volusia County ($1,673).

  • 32117 $1,740$2,290

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

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

  • Charleston Place 1969 Charleston House Way, Holly Hill 32117 216 low-income homes · 1 bd: 48 · 2 bd: 96 · 3 bd: 72 · In service since 2002 · For families
  • Holly Point 1000 15th St, Holly Hill 32117 126 low-income homes · In service since 2013 · For families (386) 252-4995
  • Cedar Oaks Apartments 668 Lpga Blvd, Holly Hill 32117 44 homes, 43 low-income · For older adults (386) 248-0082

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

Free help

Help to buy or rent in Holly Hill

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Holly Hill

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Holly Hill

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

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

    1440 N Nova Rd, Daytona Beach · 1 miles away · Spanish

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

  • Halifax Urban Ministries Inc

    1340 Wright St, Daytona Beach · 2 miles away

    • Budget and credit workshops
    • Homelessness services
    • and 3 more
    (386) 235-8859

  • Mid-Florida Housing Partnership, Inc.

    1834 Mason Ave, Daytona Beach · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    386-274-4441-1

Every agency in Volusia County All counseling agencies in Florida

Help in Spanish near Holly Hill

2 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 Holly Hill

HUD’s record names them for Holly Hill 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 Holly Hill, 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 Holly Hill.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Holly Hill

Short answers with the numbers for Holly Hill 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 Holly Hill?

The typical home value in Holly Hill is $205,100, 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 Holly Hill?

Typical rent in Holly Hill is $1,431 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 Holly Hill?

Holly Hill 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 Holly Hill?

The typical homeowner in Holly Hill pays $1,356 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Volusia County, the rate is 0.77%.

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

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).