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City · 7,146 residents · Volusia County, Florida

Ormond-by-the-Sea , Florida

In Ormond-by-the-Sea, a typical home is worth $392,300 and typical rent is $1,434 a month. Compared with all of Volusia County, the typical home value is 25% higher, typical household income is 13% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $392,300

    25% above the county

    9% above Florida

    • Ormond-by-the-Sea
    • Volusia
    • Florida

  • Typical rent

    $1,434a month

    2% below the county

    14% below Florida

    • Ormond-by-the-Sea
    • Volusia
    • Florida

  • Typical household income

    $79,120a year

    13% above the county

    6% above Florida

    • Ormond-by-the-Sea
    • Volusia
    • Florida

  • Households that own their home

    85%

    11 points above the county

    17 points above Florida

    • Ormond-by-the-Sea
    • Volusia
    • Florida

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

Ormond-by-the-Sea 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 Ormond-by-the-Sea apart

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: 48% less than in Ormond-by-the-Sea ($392,300).

  2. The typical home in Ormond-by-the-Sea is worth $392,300, 25% more than in Volusia County as a whole ($313,000).

  3. 85% of households in Ormond-by-the-Sea own their home, against 74% in Volusia County.

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

The homes here

Housing in Ormond-by-the-Sea

What homes there are in Ormond-by-the-Sea, 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 houses, standing on their own, make up 69% of homes here, against 65% in Volusia County.

Year built

In Ormond-by-the-Sea, half of the homes were built before 1972; 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
Monthly rent with utilities

With a mortgage

$1,743 a month

Volusia County: $1,688 a month

Without a mortgage

$744 a month

Volusia County: $636 a month

Owners with a mortgage

46%

Volusia County: 56%

The typical cost for an owner with a mortgage in Ormond-by-the-Sea is $1,743 a month, near the figure in Volusia County ($1,688).

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 Ormond-by-the-Sea rose 86% since 2015–2019, more than in Volusia County (79%).

Since 2015–2019, the typical rent in Ormond-by-the-Sea rose 26%, less than in Volusia County (40%).

The typical household income in Ormond-by-the-Sea rose 70% over that time; home values changed +86% and rent +26%.

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

MeasureOrmond-by-the-SeaVolusia 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 1.872.332.512.53
Drive alone 61%73%70%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 28%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 1.87 on average, against 2.33 in Volusia County.

Many people here do not commute at all: 28% work from home; in Volusia County, 14%.

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 Ormond-by-the-Sea?

A typical home costs more than the typical income allows

We start with a typical home in Ormond-by-the-Sea, worth $392,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Ormond-by-the-Sea, which is $79,120 a year. For that payment to be 28% of income, a household would need to earn about $137,623 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 Ormond-by-the-Sea. 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 $13,731 (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

$3,211

at 7.18% · 30 years

Loan amount
$385,194
Total interest
$554,204
Paid off in
November 2056

Includes $6,625 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,846 a month

  • Tight

    $1,846 to $2,374 a month

  • Hard

    more than $2,374 a month

    Your payment · 49%

Compared with the typical household income in Ormond-by-the-Sea ($79,120 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,211
Principal & interest$2,609
Property tax$265
Home insurance$164
FHA mortgage insurance (MIP)$174

You need at least $13,731 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

Ormond-by-the-Sea and Volusia County

Ormond-by-the-Sea 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).

Ormond-by-the-Sea's own numbers

Typical home value
$392,300
Typical monthly rent
$1,434
Typical yearly household income
$79,120
Households that own their home
85%
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.

Everything about Volusia County

Buying

Buying a home in Ormond-by-the-Sea

A typical home in Ormond-by-the-Sea is worth $392,300: 25% above the county and 9% above Florida. With the typical household income in Ormond-by-the-Sea ($79,120 a year), a typical home costs 5.0 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.

  • Ormond-by-the-Sea 5.0 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

Ormond-by-the-Sea 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
  • Ormond-by-the-Sea $392,300
  • Volusia $313,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Ormond-by-the-Sea $1,434
  • Volusia $1,467
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Ormond-by-the-Sea $79,120
  • Volusia $70,044
  • Florida $74,568
  • United States $80,734
See the full table
Ormond-by-the-Sea next to Volusia County and Florida
Measure Ormond-by-the-Sea Volusia County Florida U.S.
Typical home value $392,300 $313,000 $359,000 $332,700
Typical monthly rent $1,434 $1,467 $1,669 $1,413
Typical yearly household income $79,120 $70,044 $74,568 $80,734
Households that own their home 85% 74% 68% 65%
Typical yearly property tax $3,169 $2,395 $2,730 $3,119
Effective property tax rate 0.81% 0.77% 0.76% 0.94%

“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 Ormond-by-the-Sea

For a typical $392,300 home in Ormond-by-the-Sea, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ormond-by-the-Sea's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,211a month

    Least cash to close
    Down payment
    $13,731
    Cash to close
    $25,500
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $174

  • Conventional, 5% down $3,139a month

    Down payment
    $19,615
    Cash to close
    $31,384
    Rate
    7.18%
    Mortgage insurance
    PMI · $186

  • Conventional, 20% down, no PMI $2,554a month

    Down payment
    $78,460
    Cash to close
    $90,229
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,917a month

    Down payment
    $58,845
    Cash to close
    $70,614
    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 Ormond-by-the-Sea and for Volusia County.

Property tax

Effective rate in Ormond-by-the-Sea

0.81%of the home’s value each year

$3,169 a year for the typical owner in Ormond-by-the-Sea.

  • Ormond-by-the-Sea 0.81%
  • 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 Ormond-by-the-Sea

Typical rent in Ormond-by-the-Sea is $1,434 a month: 2% below the county.

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 Ormond-by-the-Sea

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ormond-by-the-Sea is in ZIP code 32176.

For 2 bedrooms it is $1,730: $57 more than the fair market rent for Volusia County ($1,673).

  • 32176 $1,730$2,280

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ormond-by-the-Sea 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?

Free help

Help to buy or rent in Ormond-by-the-Sea

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Ormond-by-the-Sea

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Ormond-by-the-Sea

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

  • Halifax Urban Ministries Inc

    1340 Wright St, Daytona Beach · 7 miles away

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

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

    1440 N Nova Rd, Daytona Beach · 8 miles away · Spanish

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

  • Mid-Florida Housing Partnership, Inc.

    1834 Mason Ave, Daytona Beach · 9 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 Ormond-by-the-Sea

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 Ormond-by-the-Sea

HUD’s record names them for Ormond-by-the-Sea 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 Ormond-by-the-Sea, 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 Ormond-by-the-Sea.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Ormond-by-the-Sea

Short answers with the numbers for Ormond-by-the-Sea 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 Ormond-by-the-Sea?

The typical home value in Ormond-by-the-Sea is $392,300, 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 Ormond-by-the-Sea?

Typical rent in Ormond-by-the-Sea is $1,434 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 Ormond-by-the-Sea?

Ormond-by-the-Sea 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 Ormond-by-the-Sea?

The typical homeowner in Ormond-by-the-Sea pays $3,169 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 Ormond-by-the-Sea?

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).