In Palm Coast, a typical home is worth $350,800 and typical rent is $1,782 a month. Home values, rent and income are very close to those of all of Flagler County.
Typical home value from Zillow, September 2021 to September 2026: from $323,803 to $343,894.
Typical rent
$1,897a month
▲ 1.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,616 to $1,897.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Palm Coast 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 Ormond Beach, the typical rent is $1,411: 21% less than in Palm Coast ($1,782).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Palm Coast
What homes there are in Palm Coast, 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
Palm Coast
Flagler County
Florida
United States
Kind of home: Palm Coast and its comparisons
Measure
Palm Coast
Flagler County
Florida
United States
Detached house
87%
80%
55%
61%
Attached house
5%
5%
7%
6%
Building of 2 to 4
3%
3%
6%
8%
Apartments (5 or more)
5%
8%
25%
19%
Mobile home
Unreliable estimate
4%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Palm Coast, 9 in 10 homes are single-family detached houses; in Flagler County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Palm Coast
Flagler County
Florida
United States
Year built: Palm Coast and its comparisons
Measure
Palm Coast
Flagler County
Florida
United States
Before 1960
1%
2%
10%
26%
1960–1979
5%
7%
24%
24%
1980–1999
33%
34%
34%
25%
2000–2009
43%
39%
18%
14%
2010 or later
18%
20%
14%
11%
By age, homes in Palm Coast look like those in Flagler County: the typical year built is 2003.
Homes in Palm Coast are bigger: 86% have 3 bedrooms or more; in Flagler County, 81%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K3%
$100K–$200K4%
$200K–$300K27%
$300K–$500K50%
$500K–$750K12%
FHA limit: $541,287
$750K–$1M3%
$1M or more1%
Value of owner-occupied homes: Palm Coast and its comparisons
Measure
Palm Coast
Under $100K
3%
$100K–$200K
4%
$200K–$300K
27%
$300K–$500K
50%
$500K–$750K
12%
$750K–$1M
3%
$1M or more
1%
About 86% of owner-occupied homes in Palm Coast are worth less than the FHA loan limit for Flagler County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49921%
$1,500–$1,99944%
$2,000–$2,49921%
$2,500–$2,9997%
$3,000 or moreUnreliable
Monthly rent with utilities: Palm Coast and its comparisons
Measure
Palm Coast
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
21%
$1,500–$1,999
44%
$2,000–$2,499
21%
$2,500–$2,999
7%
$3,000 or more
Unreliable estimate
With a mortgage
$1,687 a month
Flagler County: $1,736 a month
Without a mortgage
$597 a month
Flagler County: $630 a month
Owners with a mortgage
62%
Flagler County: 58%
The typical cost for an owner with a mortgage in Palm Coast is $1,687 a month, near the figure in Flagler County ($1,736).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Palm Coast+68%
Flagler County+68%
Florida+67%
United States+53%
Typical rent
Palm Coast+37%
Flagler County+37%
Florida+42%
United States+33%
Typical household income
Palm Coast+42%
Flagler County+42%
Florida+34%
United States+29%
Change since 2015–2019: Palm Coast and its comparisons
Measure
Palm Coast
Flagler County
Florida
United States
Typical home value
+68%
+68%
+67%
+53%
Typical rent
+37%
+37%
+42%
+33%
Typical household income
+42%
+42%
+34%
+29%
Much as in Flagler County, the typical home value in Palm Coast rose 68% since 2015–2019.
Much as in Flagler County, the typical rent in Palm Coast rose 37% since 2015–2019.
While home values in Palm Coast changed +68% and rent +37%, the typical household income rose 42%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Palm Coast and its comparisons
Measure
Palm Coast
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
1.1%
1.2%
3.3%
3.4%
People per household
2.46
2.39
2.51
2.53
Drive alone
68%
67%
70%
69%
Carpool
12%
11%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
17%
18%
16%
15%
Other means
2%
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 1.1% of households in Palm Coast live, near the figure in Flagler County (1.2%).
Much as in Flagler County, a household in Palm Coast has 2.46 people on average.
The car rules in Palm Coast: 68% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Palm Coast?
A typical home costs more than the typical income allows
We start with a typical home in Palm Coast, worth $350,800, 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 Palm Coast, which is $77,350 a year. For that payment to be 28% of income, a household would need to earn about $122,313 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 Palm Coast. 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 $12,278 (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
$2,854
at 7.18% · 30 years
Loan amount
$344,446
Total interest
$495,577
Paid off in
November 2056
Includes $5,924 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,805 a month
Tight
$1,805 to $2,321 a month
Hard
more than $2,321 a month
Your payment · 44%
Compared with the typical household income in Palm Coast ($77,350 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,333
Property tax
$219
Home insurance
$146
FHA mortgage insurance (MIP)
$155
You need at least $12,278 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 $2,854; principal and interest $2,333.
The city and its county
Palm Coast and Flagler County
Palm Coast 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).
Palm Coast
Map of Flagler County, Florida, with Palm Coast marked. Around it, the neighboring counties.
Palm Coast
Flagler County
Other cities with a page
Palm Coast's own numbers
Typical home value
$350,800
Typical monthly rent
$1,782
Typical yearly household income
$77,350
Households that own their home
82%
Effective property tax rate
0.75%
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 Palm Coast is worth $350,800: 4% below the county and 2% below Florida. With the typical household income in Palm Coast ($77,350 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.
Palm Coast4.5 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
Palm Coast 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
Palm Coast$350,800
Flagler$364,900
Florida$359,000
United States$332,700
Typical monthly rent
Palm Coast$1,782
Flagler$1,722
Florida$1,669
United States$1,413
Typical yearly household income
Palm Coast$77,350
Flagler$77,363
Florida$74,568
United States$80,734
See the full table
Palm Coast next to Flagler County and Florida
Measure
Palm Coast
Flagler County
Florida
U.S.
Typical home value
$350,800 ▼4% below the county
$364,900
$359,000
$332,700
Typical monthly rent
$1,782 ▲3% above the county
$1,722
$1,669
$1,413
Typical yearly household income
$77,350
$77,363
$74,568
$80,734
Households that own their home
82% ▼1 points below the county
83%
68%
65%
Typical yearly property tax
$2,645 ▼5% below the county
$2,789
$2,730
$3,119
Effective property tax rate
0.75% ▼0.01 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
58% ▼2 points below the county
60%
60%
51%
“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 Palm Coast
For a typical $350,800 home in Palm Coast, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Palm Coast's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,854a month
Least cash to close
Down payment
$12,278
Cash to close
$22,802
Rate
7.18%
Mortgage insurance
FHA MIP · $155
Conventional, 5% down$2,790a month
Down payment
$17,540
Cash to close
$28,064
Rate
7.18%
Mortgage insurance
PMI · $167
Conventional, 20% down, no PMI$2,267a month
Down payment
$70,160
Cash to close
$80,684
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,591a month
Down payment
$52,620
Cash to close
$63,144
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Palm Coast
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,854
$12,278
$344,446
7.18%
FHA MIP · $155
$22,802
580
Conventional, 5% down
$2,790
$17,540
$333,260
7.18%
PMI · $167
$28,064
620*
Conventional, 20% down, no PMI
$2,267
$70,160
$280,640
7.18%
None
$80,684
620*
ITIN, 15% down (example)
$2,591
$52,620
$298,180
8.18%
None
$63,144
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 Palm Coast is $1,782 a month: 3% above the county. In Palm Coast, 58% of renter households pay 30% or more of their income in rent.
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 Palm Coast
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Palm Coast has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,790 in 32164 to $1,880 in 32137.
2 of the 2 are above the fair market rent for Flagler County ($1,758).
Fair market rent by ZIP code and size in Palm Coast, fiscal year 2027.
32137
$1,420
$1,470
$1,880
$2,520
$2,760
32164
$1,350
$1,400
$1,790
$2,400
$2,630
ZIP code2 bd3 bd
32137 $1,880$2,520
32164 $1,790$2,400
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Palm Coast 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)
HUD lists 6 buildings with rents for lower incomes in Palm Coast. These are the largest.
Central Landings at Town Center1465 Central Trce, Palm Coast 32164150 low-income homes · 1 bd: 96 · 2 bd: 24 · 3 bd: 30 · In service since 2020 · For families
Madison Green Apts1 Madison Green Cir, Palm Coast 32164128 low-income homes · 1 bd: 24 · 2 bd: 56 · 3 bd: 48 · In service since 2005 · For families
Beach Village at Palm Coast I1100 Beach Village Cir, Palm Coast 32137106 homes, 100 low-income · 1 bd: 6 · 2 bd: 18 · 3 bd: 47 · 4 bd: 17 · In service since 2010 · For families
Palms at Town Center470 Bulldog Dr, Palm Coast 3216488 low-income homes · 1 bd: 30 · 2 bd: 50 · 3 bd: 8 · In service since 2020 · For families
Central Landings at Town Center Senior Living1465 Central Trce, Palm Coast 3216483 low-income homes · 1 bd: 16 · 2 bd: 34 · 3 bd: 33 · In service since 2020 · For families
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 Palm Coast or Flagler County. The ones below are statewide in Florida: they work in Palm Coast 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.
No legal help resource on our list is for Palm Coast 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 Palm Coast 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 Palm Coast?
The typical home value in Palm Coast is $350,800, 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 Palm Coast?
Typical rent in Palm Coast is $1,782 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 Palm Coast?
Palm Coast 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 Palm Coast?
The typical homeowner in Palm Coast pays $2,645 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Flagler County, the rate is 0.76%.
Where can I find free help to buy or rent in Palm Coast?
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.
