In New Smyrna Beach, a typical home is worth $395,300 and typical rent is $1,712 a month. Compared with all of Volusia County, the typical home value is 26% higher and typical household income is 20% higher.
Typical home value from Zillow, September 2021 to September 2026: from $383,146 to $453,639.
Typical rent
$2,370a month
▲ 6.9% more than 12 months ago
Typical rent from Zillow, December 2021 to September 2026: from $1,868 to $2,370.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
New Smyrna Beach 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
Nearby, in South Daytona, the typical home value is $222,200: 44% less than in New Smyrna Beach ($395,300).
2
Nearby, in Edgewater, the typical rent is $1,309: 24% less than in New Smyrna Beach ($1,712).
3
The typical home in New Smyrna Beach is worth $395,300,26% more than in Volusia County as a whole ($313,000).
4
The typical household income in New Smyrna Beach is $83,865,20% more than in Volusia County as a whole ($70,044).
5
The typical rent in New Smyrna Beach is $1,712 a month, 17% more than in Volusia County as a whole ($1,467).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in New Smyrna Beach
What homes there are in New Smyrna 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
New Smyrna Beach
Volusia County
Florida
United States
Kind of home: New Smyrna Beach and its comparisons
Measure
New Smyrna Beach
Volusia County
Florida
United States
Detached house
52%
65%
55%
61%
Attached house
7%
4%
7%
6%
Building of 2 to 4
6%
5%
6%
8%
Apartments (5 or more)
32%
19%
25%
19%
Mobile home
3%
8%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In New Smyrna Beach, 5 in 10 homes are single-family detached houses; in Volusia County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
New Smyrna Beach
Volusia County
Florida
United States
Year built: New Smyrna Beach and its comparisons
Measure
New Smyrna Beach
Volusia County
Florida
United States
Before 1960
12%
11%
10%
26%
1960–1979
20%
24%
24%
24%
1980–1999
32%
37%
34%
25%
2000–2009
19%
17%
18%
14%
2010 or later
17%
11%
14%
11%
By age, homes in New Smyrna Beach look like those in Volusia County: the typical year built is 1989.
There are fewer big homes in New Smyrna Beach than in Volusia County: 48% have 3 bedrooms or more, against 58%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K6%
$100K–$200K3%
$200K–$300K18%
$300K–$500K39%
$500K–$750K18%
FHA limit: $541,287
$750K–$1M8%
$1M or more9%
Value of owner-occupied homes: New Smyrna Beach and its comparisons
Measure
New Smyrna Beach
Under $100K
6%
$100K–$200K
3%
$200K–$300K
18%
$300K–$500K
39%
$500K–$750K
18%
$750K–$1M
8%
$1M or more
9%
About 68% of owner-occupied homes in New Smyrna Beach are worth less than the FHA loan limit for Volusia County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99910%
$1,000–$1,49920%
$1,500–$1,99943%
$2,000–$2,49919%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: New Smyrna Beach and its comparisons
Measure
New Smyrna Beach
Under $500
Unreliable estimate
$500–$999
10%
$1,000–$1,499
20%
$1,500–$1,999
43%
$2,000–$2,499
19%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,892 a month
Volusia County: $1,688 a month
Without a mortgage
$727 a month
Volusia County: $636 a month
Owners with a mortgage
55%
Volusia County: 56%
The typical cost for an owner with a mortgage in New Smyrna Beach is $1,892 a month, more than in Volusia County ($1,688); without one, $727.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
New Smyrna Beach+54%
Volusia County+79%
Florida+67%
United States+53%
Typical rent
New Smyrna Beach+52%
Volusia County+40%
Florida+42%
United States+33%
Typical household income
New Smyrna Beach+47%
Volusia County+42%
Florida+34%
United States+29%
Change since 2015–2019: New Smyrna Beach and its comparisons
Measure
New Smyrna Beach
Volusia County
Florida
United States
Typical home value
+54%
+79%
+67%
+53%
Typical rent
+52%
+40%
+42%
+33%
Typical household income
+47%
+42%
+34%
+29%
The typical home value in New Smyrna Beach rose 54% since 2015–2019, less than in Volusia County (79%).
Since 2015–2019, the typical rent in New Smyrna Beach rose 52%, more than in Volusia County (40%).
Housing prices ran ahead of income in New Smyrna Beach: typical income rose 47%, against +54% for home values and +52% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: New Smyrna Beach and its comparisons
Measure
New Smyrna Beach
Volusia County
Florida
United States
Rental vacancy
20.0%
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
1.98
2.33
2.51
2.53
Drive alone
68%
73%
70%
69%
Carpool
8%
9%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
21%
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
There is more rental housing open in New Smyrna Beach: 20.0% is empty and offered for rent, against 7.4% in Volusia County.
On average, a household in New Smyrna Beach has 1.98 people, fewer than in Volusia County (2.33).
Many people here do not commute at all: 21% work from home; in Volusia County, 14%.
Do the math
What would you pay each month for a home in New Smyrna Beach?
A typical home costs more than the typical income allows
We start with a typical home in New Smyrna Beach, worth $395,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in New Smyrna Beach, which is $83,865 a year. For that payment to be 28% of income, a household would need to earn about $138,676 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 New Smyrna 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 $13,836 (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
$3,236
at 7.18% · 30 years
Loan amount
$388,140
Total interest
$558,442
Paid off in
November 2056
Includes $6,676 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,957 a month
Tight
$1,957 to $2,516 a month
Hard
more than $2,516 a month
Your payment · 46%
Compared with the typical household income in New Smyrna Beach ($83,865 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,629
Property tax
$267
Home insurance
$165
FHA mortgage insurance (MIP)
$175
You need at least $13,836 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 $3,236; principal and interest $2,629.
The city and its county
New Smyrna Beach and Volusia County
New Smyrna Beach 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).
New Smyrna Beach
Map of Volusia County, Florida, with New Smyrna Beach marked. Around it, the neighboring counties.
New Smyrna Beach
Volusia County
Other cities with a page
New Smyrna Beach's own numbers
Typical home value
$395,300
Typical monthly rent
$1,712
Typical yearly household income
$83,865
Households that own their home
77%
Effective property tax rate
0.81%
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 New Smyrna Beach is worth $395,300: 26% above the county and 10% above Florida. With the typical household income in New Smyrna Beach ($83,865 a year), a typical home costs 4.7 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.
New Smyrna Beach4.7 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
New Smyrna Beach 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
New Smyrna Beach$395,300
Volusia$313,000
Florida$359,000
United States$332,700
Typical monthly rent
New Smyrna Beach$1,712
Volusia$1,467
Florida$1,669
United States$1,413
Typical yearly household income
New Smyrna Beach$83,865
Volusia$70,044
Florida$74,568
United States$80,734
See the full table
New Smyrna Beach next to Volusia County and Florida
Measure
New Smyrna Beach
Volusia County
Florida
U.S.
Typical home value
$395,300 ▲26% above the county
$313,000
$359,000
$332,700
Typical monthly rent
$1,712 ▲17% above the county
$1,467
$1,669
$1,413
Typical yearly household income
$83,865 ▲20% above the county
$70,044
$74,568
$80,734
Households that own their home
77% ▲4 points above the county
74%
68%
65%
Typical yearly property tax
$3,221 ▲34% above the county
$2,395
$2,730
$3,119
Effective property tax rate
0.81% ▲0.04 points above the county
0.77%
0.76%
0.94%
Renters with high rent for their income
58%
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 New Smyrna Beach
For a typical $395,300 home in New Smyrna Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, New Smyrna Beach's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,236a month
Least cash to close
Down payment
$13,836
Cash to close
$25,695
Rate
7.18%
Mortgage insurance
FHA MIP · $175
Conventional, 5% down$3,163a month
Down payment
$19,765
Cash to close
$31,624
Rate
7.18%
Mortgage insurance
PMI · $188
Conventional, 20% down, no PMI$2,574a month
Down payment
$79,060
Cash to close
$90,919
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,939a month
Down payment
$59,295
Cash to close
$71,154
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in New Smyrna Beach
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,236
$13,836
$388,140
7.18%
FHA MIP · $175
$25,695
580
Conventional, 5% down
$3,163
$19,765
$375,535
7.18%
PMI · $188
$31,624
620*
Conventional, 20% down, no PMI
$2,574
$79,060
$316,240
7.18%
None
$90,919
620*
ITIN, 15% down (example)
$2,939
$59,295
$336,005
8.18%
None
$71,154
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 New Smyrna Beach is $1,712 a month: 17% above the county. In New Smyrna Beach, 58% 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 New Smyrna Beach
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). New Smyrna Beach has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,970 in 32168 to $2,060 in 32169.
2 of the 2 are above the fair market rent for Volusia County ($1,673).
Fair market rent by ZIP code and size in New Smyrna Beach, fiscal year 2027.
32168
$1,480
$1,600
$1,970
$2,600
$2,830
32169
$1,550
$1,680
$2,060
$2,710
$2,960
ZIP code2 bd3 bd
32168 $1,970$2,600
32169 $2,060$2,710
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for New Smyrna 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.
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 New Smyrna Beach or Volusia County. The ones below are statewide in Florida: they work in New Smyrna 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 New Smyrna 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 New Smyrna Beach 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 New Smyrna Beach 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 New Smyrna Beach?
The typical home value in New Smyrna Beach is $395,300, 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 New Smyrna Beach?
Typical rent in New Smyrna Beach is $1,712 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 New Smyrna Beach?
New Smyrna Beach 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 New Smyrna Beach?
The typical homeowner in New Smyrna Beach pays $3,221 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Volusia County, the rate is 0.77%.
Where can I find free help to buy or rent in New Smyrna Beach?
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.
