Delray Beach, Florida.
Typical home $345,071 (+1.6% in a year), asking rent $2,820 (+4.1%). Miami-Fort Lauderdale-Pompano Beach, FL metro.
to buy the typical home at today's mortgage rate — +$946 (+109%) since Jan 2020.
- 1 year
- Up $5,295 +2%
- $339,776$345,071 since Sep 2025
- 5 years
- Up $56,350 +20%
- $288,721$345,071 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Delray Beach$1,811
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Delray Beach, FL rose 1.6% over the past year — faster than the nation's +1.2%.
Asking rents in Delray Beach, FL rose 4.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in Delray Beach runs $392/mo less than renting one. The gap peaked at $965 in Dec 2021.
That is $2,429 a month against $2,820 rent: a $1,811 mortgage payment, plus $248 property tax and $369 insurance & upkeep.
Owning vs renting — Delray Beach
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,429
- Renting$2,820
- Mortgage only$1,811
Property tax · $248/mo 0.86% of value a year — the ACS 2020-2024 median bill over the median home value for Palm Beach County, FL
Insurance & upkeep · $369/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Delray Beach, Palm Beach County, Florida
Delray Beach is a city of 66,846 people in Palm Beach County. Half its households earn more than $82,041 a year and half less, against $83,581 across Palm Beach County; 13% of its people live below the poverty line. 63% of its homes are lived in by their owners and 37% are rented. Unemployment in Delray Beach was 4.2% in August 2026, and Palm Beach County had 0.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Delray Beach is a coastal city in Palm Beach County where residents are older than in most American places, and most homes are lived in by their owners. Household incomes run a little below the county's, and the cost of renting is high compared with what a typical home is worth. Winters are mild, with little or no snow, and summers are hot, with plenty of rain through the year.
Work. Many residents work in schools, hospitals and social care, in professional and business services, and in restaurants, hotels and entertainment. Some of the biggest workplaces in town are Delray Medical Center, Lifespace Communities and Walmart. A good number of people work from home, and a four-year degree is common among adults.
Things to do. In or beside town, the Spady Cultural Heritage Museum and the Cornell Museum of Art & American Culture are both museums. A short drive away, the Morikami Museum and Japanese Gardens is a botanical garden. The Norton Museum of Art, also a museum, is a longer drive away.
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- 29,933households
- 44%of adults have a degree
- 13%below the poverty line
- 23 mintypical commute
- 19%work from home
What residents work in
Employed residents by industry, from the Census survey. Palm Beach County had 670,798 jobs in 2025, 0.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 75° and lows near 56°; warmest in August, with highs near 90° and lows near 74°. About 64 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Loxahatchee Nwr weather station, 8 miles away (NOAA).
Largest employers in Delray Beach
- Delray Medical Center1,700
- Publix Supermarkets1,147
- Palm Beach County School District1,123
- Lifespace Communities1,100
- City of Delray Beach935
- Home Depot470
- Annco Services436
- Ed Morse Delray Toyota & Scion350
From the City of Delray Beach’s annual financial report for 2025, its schedule of principal employers (its source: “Business Development Board of Palm Beach County”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- HurricanesRelatively high
- LightningRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Delray Beach’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Palm Beach County and the Miami-Fort Lauderdale-Pompano Beach, FL metro.
Delray Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Delray Beach$345,071
- Florida$375,361
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 5 Delray Beach listings, and the typical home goes pending in 48 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Delray Beach20.63%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Delray Beach48
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Delray Beach1,631
New listings per month
Sellers arriving at the market.
- Delray Beach336
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Delray Beach$331,135
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Delray Beach93.99%
Zip codes with a Delray Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Delray Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Delray Beach
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 33445 | Delray Beach | 33,122 | $2,760 | $305,363 |
| 33446 | Delray Beach | 28,431 | $2,630 | $342,289 |
| 33484 | Delray Beach | 26,208 | $2,700 | $201,480 |
| 33444 | Delray Beach | 22,737 | $2,981 | $530,267 |
| 33483 | Delray Beach | 12,669 | $3,408 | $1,040,371 |