Flagler County today
| Typical value | |
|---|---|
| Single family house | $352,000 |
| Condo or townhome | $321,000 |
What this means
Twelve month change in Flagler County: −0.2%, essentially flat, now 13.5% below the Aug 2022 peak.
Sources and method: how these figures are built.
Quick facts
| Flagler County | Compared with Florida | |
|---|---|---|
| Population, 2025 estimate | 140,360 | 0.6% of Florida |
| Growth since 2020 | 21.7% | +12.8 pts |
| Median home value | $364,900 | 2% higher |
| Median gross rent | $1,722 | 3% higher |
| Median household income | $77,363 | 4% higher |
| Owner occupied homes | 83% | +15.4 pts |
| Residents 65 and older | 31.3% | +10.0 pts |
| Average commute | 27 min | 2% lower |
| Homes built 2010 or later | 19.6% | +5.4 pts |
| Housing units permitted in 2025 per 1,000 residents | 18.4 | 142% higher |
| Veterans, share of adults | 10.5% | +3.1 pts |
| Median property tax paid | $2,789 | 2% higher |
| Average homeowners insurance with wind | $2,488 |
Census figures are 2020 to 2024 averages; see sources and methods.
Living in Flagler County
Compared with the rest of Florida, Flagler County has population growth of 21.7% since 2020 versus 8.9% for Florida; fewer renters than most of Florida (17% of homes); and heavy building (18.4 new units per 1,000 residents in 2025).
Northeast Florida coastal county with 18 miles of Atlantic shoreline and more than 40 parks and preserves. Bunnell is the county seat, and the county dates to 1917.
The population centers are Palm Coast, Flagler Beach and Bunnell. Palm Coast alone has about 98,258 residents.
What anchors the area
- Economy: schools; health care; restaurants; landscaping services
- Known for: Washington Oaks Gardens State Park; Bulow Plantation Ruins; Gamble Rogers Memorial State Recreation Area; Marineland
This is an older market: 31.3% of residents are 65 or older. Newcomers are common: 5.9% of residents arrived from another state in the past year.
Growth and where it is heading
The Census counts 140,360 residents as of July 2025, versus 115,378 in 2020, a 21.7% change. Last year alone: +2.99%.
| 2025 building permits | Units |
|---|---|
| Single family | 1,950 |
| 2 to 4 units | 118 |
| 5 or more units | 518 |
| Total | 2,586 |
| Per 1,000 residents | 18.4 (well above Florida, 7.6) |
Regional context lives in the Central Florida investor guide.
Risks to price in
Flagler County has had no hurricane landfall since 2000, though passing storms still bring wind and flooding.
Insurance runs about $207 a month here on average ($2,488 a year with wind, per state regulators).
Coastal county: check the flood zone and elevation of every address.
Flood, storms and jobs
| Flagler County | Florida | |
|---|---|---|
| Homes in a FEMA high risk flood zone | 2,482 (5%) | 13.3% |
| Homes with federal flood insurance | 7,540 (15.2%) | 13.7% |
| Insured share inside high risk zones | 115.4% | |
| Flood insurance claims since 2000 | 2,056, $78,052,679 paid | |
| Costliest flood events for insured homes | Hurricane Irma ($42,517,363); Hurricane Nicole ($13,693,936); Hurricane Matthew ($12,727,800) | |
| Major federal disasters declared since 2000 | 17 (11 hurricane, 2 severe storm, 1 tropical storm) |
Federal flood policies in high risk zones get 20% off here, thanks to the county (unincorporated areas)'s CRS class 6 rating. Current map: 06/06/18.
Flagler County counted 22,871 private jobs in 2023; the largest sectors were retail (20%), health care and social assistance (18%), hotels and restaurants (18%). Hotels and restaurants hold 18% of those jobs (well above Florida's 13%).
Buying a home in Flagler County
| 2026 loan limit, one unit | Amount |
|---|---|
| FHA | $541,287 |
| Conforming (above this is jumbo) | $832,750 |
The median priced home fits under the FHA limit with room to spare. FHA limits
Price to income: 4.7x locally, 4.8x for Florida.
Loans made here in 2025
| Loan type | Loans | Share | Florida share | Average loan |
|---|---|---|---|---|
| Conventional | 3,075 | 67.1% | 72.2% | $272,177 |
| FHA | 870 | 19% | 17.8% | $312,862 |
| VA | 631 | 13.8% | 9.9% | $386,347 |
| USDA | 8 | 0.2% | 0.2% | $117,500 |
| Purpose | Share of 2025 loans |
|---|---|
| Home purchase | 62% |
| Cash out refinance | 13.1% |
| Rate and term refinance | 9.7% |
| Home improvement | 6.6% |
That is up 6.3% from 4,312 loans in 2024. VA loans are unusually common here.
Loans that fit the local numbers
- Conventional: 67.1% of local loans.
- FHA: median price $364,900 vs limit $541,287.
- VA: veterans are 10.5% of adults (Florida 7.4%).
- USDA: a county of 140,360 people likely has eligible addresses; check the map.
Down payment help and taxes
For assistance, start with the state programs at the Florida Housing Finance Corporation. Typical owner tax bill: $2,789 (0.76%). Homestead and tax caps
Investing in Flagler County
DSCR loans often price above this rate. Method. DSCR loans
Run your own numbers
Long term rentals
| Flagler County | vs Florida | |
|---|---|---|
| Renter occupied homes | 17% | -15.4 pts |
| Rent as share of renter income | 36.7% | +1.5 pts |
| Rental vacancy | 8.1% | +0.5 pts |
Short term rentals
| Item | Here |
|---|---|
| County tourist tax | 5% |
| Plus state sales tax | 6% (plus any county surtax) |
| Homes held for seasonal use | 8.3% (+0.5 pts vs Florida) |
Vacation rental towns with guides: Flagler Beach. Nightly rental rights depend on zoning, local registration and the HOA. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 79.6% |
| Buildings with 5+ units | 8.4% |
| Manufactured homes | 3.6% |
| 2025 loans on 2 to 4 unit properties | 2.23% |
Largest cities and towns in Flagler County
Among places with at least 1,000 residents, Flagler Beach has the highest median value ($557,600) and Bunnell the lowest ($286,400); Palm Coast shows the best rent to price ratio (6.1% gross).
| Place | Population | Median value | Median rent | Median income |
|---|---|---|---|---|
| Palm Coast | 98,258 | $350,800 | $1,782 | $77,350 |
| Flagler Beach | 5,373 | $557,600 | $1,462 | $84,632 |
| Bunnell | 3,682 | $286,400 | $1,235 | $55,130 |
| Beverly Beach | 607 | $345,100 | $825 | $47,917 |
| Marineland | 13 | Not reported | Not reported | Not reported |
Census places, including unincorporated communities. Linked places have their own guide.
Compare with neighboring counties
2 of its 3 neighbors are cheaper by median value.
| County | Median value | Median rent | Growth since 2020 |
|---|---|---|---|
| Flagler County | $364,900 | $1,722 | 21.7% |
| Putnam County | $160,300 | $906 | 6% |
| St. Johns County | $489,200 | $1,922 | 26.7% |
| Volusia County | $313,000 | $1,467 | 9.6% |
Other Florida markets
Sources
- U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
- U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
- U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
- FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
- LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
- Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
- Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
- Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
- Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
- Wikipedia: List of counties in Florida. checked October 2026.
- U.S. Census Bureau county adjacency file. 2024.
- Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
- Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
- Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
- U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
- FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
- FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
- FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
- FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
- U.S. Census Bureau, County Business Patterns 2023. 2023.
- U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
- Hurricane landfalls: Wikipedia, List of Florida hurricanes (2000 to present). checked October 2026.
Estimates from public data; they change over time. General information, not investment, tax or legal advice, and not a loan offer. Methods and assumptions.