Palm Coast today
What this means
Twelve month change in Palm Coast: −0.1%, essentially flat, now 13.6% below the Aug 2022 peak.
Treat these as area figures and confirm rent with comps. Sources and method: how these figures are built.
Quick facts
| Palm Coast | vs Flagler County | vs Florida | |
|---|---|---|---|
| Population | 109,886 (2025 estimate) | ||
| Growth since 2020 | 23.2% | +1.5 pts | +14.3 pts |
| Median home value | $350,800 | 4% lower | 2% lower |
| Median gross rent | $1,782 | 3% higher | 7% higher |
| Median household income | $77,350 | about the same | 4% higher |
| Owner occupied homes | 81.9% | -1.1 pts | +14.3 pts |
| Residents 65 and older | 29.5% | -1.8 pts | +8.2 pts |
| Average commute (minutes) | 27 | 1% lower | 4% lower |
| Homes built 2010 or later | 18.3% | -1.3 pts | +4.1 pts |
| Median property tax paid | $2,645 | 5% lower | 3% lower |
Census survey figures are 2020 to 2024 averages; methods.
Living in Palm Coast
Flagler County city between St. Augustine and Daytona Beach, developed by ITT from 1969 and incorporated in 1999.
Palm Coast is a city with its own government, located in Flagler County.
Known for: European Village; AdventHealth Palm Coast; Hammock Dunes Bridge
Interstate 95 runs through the city with three interchanges; a canal system was built in the ITT era.
Next to the rest of Flagler County, fewer homes are seasonal or vacation homes (5.8% vs 8.3%); less of the housing is in apartment and condo buildings (5.2% vs 8.4%); the population is younger (29.5% age 65 or older vs 31.3%) and it grew faster than the county since 2020 (23.2% vs 21.7%).
Closest matches on price and rent: Longwood ($354,300, $1,755), Brandon ($339,000, $1,784), Pompano Beach ($349,300, $1,724).
Growth and housing
Palm Coast changed 23.2% in population from 2020 to 2025 (county 21.7%, Florida 8.9%).
| 2025 building permits | Palm Coast |
|---|---|
| Single family | 1,356 |
| 5 or more units | 518 |
| Total units | 1,992 |
| Per 1,000 residents | 18.1 |
The typical home here was built around 2003. Most housing is single family (86.6%). Households average 2.46 people.
Out of state arrivals: 5.6% of residents a year, versus 5.9% countywide.
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $2,488 a year |
| Coastal county | check flood zone and elevation per address |
Flood, storms and jobs
Palm Coast has its own flood program rating: CRS class 4, which takes 30% off federal flood premiums in high risk zones. 175 flood claims ($1,111,541) have come from Palm Coast since 2000. For county flood claims, disaster history and jobs, see the Flagler County guide (5% of homes there are in high risk zones).
Buying a home in Palm Coast
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $350,800 |
Price to income: 4.5x, compared with 4.7x for the county.
- Conventional: the most common loan in Flagler County.
- FHA: the Palm Coast median of $350,800 fits under the $541,287 limit.
- VA: veterans are 10.4% of adults.
Investing in Palm Coast
Long term rentals
| Palm Coast | vs Flagler County | |
|---|---|---|
| Renter occupied homes | 18.1% | +1.1 pts |
| Rental vacancy | 5.3% | -2.8 pts |
| Rent as share of renter income | 36.7% | same |
Short term rentals
Seasonal and vacation homes: 5.8% of the stock, against 8.3% countywide.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 5% |
| State sales tax | 6% plus any county surtax |
Rules vary street by street; verify zoning and HOA limits early. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 86.6% |
| Buildings with 5+ units | 5.2% |
| Manufactured homes | 0.3% |
Nearby
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.
- Wikipedia article for this place (history, setting, roads). 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.