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City · 14,372 residents · Volusia County, Florida

Orange City , Florida

In Orange City, a typical home is worth $259,100 and typical rent is $1,607 a month. Compared with all of Volusia County, typical household income is 17% lower, the typical home value is 17% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $259,100

    17% below the county

    28% below Florida

    • Orange City
    • Volusia
    • Florida

  • Typical rent

    $1,607a month

    10% above the county

    4% below Florida

    • Orange City
    • Volusia
    • Florida

  • Typical household income

    $57,800a year

    17% below the county

    22% below Florida

    • Orange City
    • Volusia
    • Florida

  • Households that own their home

    59%

    15 points below the county

    9 points below Florida

    • Orange City
    • Volusia
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$291,509
1.1% less than 12 months ago
Typical rent
$1,620 a month
about the same as 12 months ago

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

Orange City 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 Orange City apart

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

  1. 59% of households in Orange City own their home, against 74% in Volusia County.

  2. Nearby, in DeLand, the typical rent is $1,355: 16% less than in Orange City ($1,607).

  3. The typical household income in Orange City is $57,800, 17% less than in Volusia County as a whole ($70,044).

  4. The typical home in Orange City is worth $259,100, 17% less than in Volusia County as a whole ($313,000).

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

The homes here

Housing in Orange City

What homes there are in Orange City, 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

No kind of home is the majority in Orange City; the largest group, detached houses, adds up to 49%, less than in Volusia County (65%).

There are more mobile homes here than in Volusia County: 15% of homes, against 8%.

Year built

The typical home in Orange City was built in 1991, 5 years after the typical one in Volusia 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

The FHA limit for Volusia County is high ($541,287): at least 97% of owner-occupied homes in Orange City are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,584 a month

Volusia County: $1,688 a month

Without a mortgage

$672 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 Orange City is $1,584 a month, less than in Volusia County ($1,688); without one, $672.

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

From 2015–2019 to 2020–2024, the typical home value in Orange City rose 122%; in Volusia County, it rose 79%.

Much as in Volusia County, the typical rent in Orange City rose 42% since 2015–2019.

The typical household income in Orange City rose 43% over that time; home values changed +122% and rent +42%.

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

MeasureOrange CityVolusia 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 2.172.332.512.53
Drive alone 75%73%70%69%
Carpool 9%9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 14%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Orange City has 2.17 people, fewer than in Volusia County (2.33).

To get to work, 75% of workers in Orange City 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 Orange City?

A typical home costs more than the typical income allows

We start with a typical home in Orange City, worth $259,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Orange City, which is $57,800 a year. For that payment to be 28% of income, a household would need to earn about $91,636 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 Orange City. 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 $9,069 (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

$2,138

at 7.18% · 30 years

Loan amount
$254,407
Total interest
$366,031
Paid off in
November 2056

Includes $4,376 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,349 a month

  • Tight

    $1,349 to $1,734 a month

  • Hard

    more than $1,734 a month

    Your payment · 44%

Compared with the typical household income in Orange City ($57,800 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,138
Principal & interest$1,723
Property tax$192
Home insurance$108
FHA mortgage insurance (MIP)$115

You need at least $9,069 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

Orange City and Volusia County

Orange City 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).

Orange City's own numbers

Typical home value
$259,100
Typical monthly rent
$1,607
Typical yearly household income
$57,800
Households that own their home
59%
Effective property tax rate
0.89%

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 Orange City

A typical home in Orange City is worth $259,100: 17% below the county and 28% below Florida. With the typical household income in Orange City ($57,800 a year), a typical home costs 4.5 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.

  • Orange City 4.5 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

Orange City 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
  • Orange City $259,100
  • Volusia $313,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Orange City $1,607
  • Volusia $1,467
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Orange City $57,800
  • Volusia $70,044
  • Florida $74,568
  • United States $80,734
See the full table
Orange City next to Volusia County and Florida
Measure Orange City Volusia County Florida U.S.
Typical home value $259,100 $313,000 $359,000 $332,700
Typical monthly rent $1,607 $1,467 $1,669 $1,413
Typical yearly household income $57,800 $70,044 $74,568 $80,734
Households that own their home 59% 74% 68% 65%
Typical yearly property tax $2,316 $2,395 $2,730 $3,119
Effective property tax rate 0.89% 0.77% 0.76% 0.94%
Renters with high rent for their income 68% 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 Orange City

For a typical $259,100 home in Orange City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orange City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,138a month

    Least cash to close
    Down payment
    $9,069
    Cash to close
    $16,842
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $115

  • Conventional, 5% down $2,091a month

    Down payment
    $12,955
    Cash to close
    $20,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $123

  • Conventional, 20% down, no PMI $1,704a month

    Down payment
    $51,820
    Cash to close
    $59,593
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,944a month

    Down payment
    $38,865
    Cash to close
    $46,638
    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 Orange City and for Volusia County.

Property tax

Effective rate in Orange City

0.89%of the home’s value each year

$2,316 a year for the typical owner in Orange City.

  • Orange City 0.89%
  • 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 Orange City

Typical rent in Orange City is $1,607 a month: 10% above the county. In Orange City, 68% 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 Orange City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orange City is in ZIP code 32763.

For 2 bedrooms it is $1,720: $47 more than the fair market rent for Volusia County ($1,673).

  • 32763 $1,720$2,270

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

HUD lists 6 buildings with rents for lower incomes in Orange City. These are the largest.

  • Saxon Trace 830 Saxon Trace Way, Orange City 32763 192 low-income homes · 1 bd: 32 · 2 bd: 80 · 3 bd: 48 · 4 bd: 32 · In service since 2004 · For families
  • Meetinghouse at Daytona 830 Saxon Trace Way, Orange City 32763 80 low-income homes · 1 bd: 40 · 2 bd: 40 · In service since 2008 · For older adults
  • Braemoor Dunes 1576 Braemoor Dunes Dr, Orange City 32763 40 low-income homes · 1 bd: 14 · 2 bd: 20 · 3 bd: 6 · In service since 1998 · For families
  • Water Oak 315 Water Oak Cir, Orange City 32763 39 low-income homes
  • Greenleaf Gardens II 951 Greenleaf Cir, Orange City 32763 30 low-income homes · 2 bd: 30 · In service since 1997 · For families

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

Free help

Help to buy or rent in Orange City

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.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Orange City

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Orange City

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

  • University of Florida/Florida Cooperative Extension - Volusia County Cooperative Extension Service

    3100 East New York Avenue, Deland · 7 miles away · Spanish

    • Homebuyer education workshops
    (386) 822-5778

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

    1600 Lexington Green Ln, Sanford · 9 miles away · Spanish

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

  • Habitat for Humanity Seminole County Apopka

    251 Maitland Ave Ste 312, Altamonte Springs · 20 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 8 more
    (407) 696-5855

Every agency in Volusia County All counseling agencies in Florida

Help in Spanish near Orange City

3 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 Orange City

HUD’s record names them for Orange City 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 Orange City, 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 Orange City.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Orange City

Short answers with the numbers for Orange City 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 Orange City?

The typical home value in Orange City is $259,100, 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 Orange City?

Typical rent in Orange City is $1,607 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 Orange City?

Orange City 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 Orange City?

The typical homeowner in Orange City pays $2,316 a year, according to the U.S. Census Bureau. That is 0.89% of the home’s value; in Volusia County, the rate is 0.77%.

Where can I find free help to buy or rent in Orange City?

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).