Flagler Beach, Florida.
Typical home $457,541 (+1.0% in a year), asking rent $2,032 (+4.7%). Deltona-Daytona Beach-Ormond Beach, FL metro.
to buy the typical home at today's mortgage rate — +$1,231 (+105%) since Jan 2020.
- 1 year
- Up $4,440 +1%
- $453,101$457,541 since Sep 2025
- 5 years
- Up $33,680 +8%
- $423,861$457,541 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.
- Flagler Beach$2,402
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 45 years.
Typical home values in Flagler Beach, FL rose 1.0% over the past year — slower than the nation's +1.2%.
Asking rents in Flagler Beach, FL rose 4.7% over the past year — faster than the nation's +2.7%.
Owning the typical home in Flagler Beach runs $1,151/mo more than renting one. The gap peaked at $1,173 in Aug 2025.
That is $3,183 a month against $2,032 rent: a $2,402 mortgage payment, plus $291 property tax and $490 insurance & upkeep.
Owning vs renting — Flagler 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$3,183
- Renting$2,032
- Mortgage only$2,402
Property tax · $291/mo 0.76% of value a year — the ACS 2020-2024 median bill over the median home value for Flagler County, FL
Insurance & upkeep · $490/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 Flagler Beach, Flagler County, Florida
Flagler Beach is a city of 5,160 people in Flagler County. Half its households earn more than $84,632 a year and half less, against $77,363 across Flagler County; 8% of its people live below the poverty line. 83% of its homes are lived in by their owners and 17% are rented. Unemployment in Flagler County was 5.5% in August 2026, and the county had 1.2% more jobs in 2025 than the year before. The most residents work in shops, then schools and health care.
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. Flagler Beach is a small seaside city on Florida's Atlantic coast, and its residents are older than in most American towns. Nearly all of the people who live here own their homes, and household incomes run above the county's, though homes and rents here cost a good deal. Winters are mild and summers are hot, with plenty of rain through the year and no real snow to speak of.
Work. Many residents work in shops, in schools, hospitals and social care, in professional and business services, and in banks, insurance and property. Across Flagler County, the biggest workplaces include Flagler Schools, AdventHealth Palm Coast and Walmart. A good number of people work from home, and the typical commute is a fairly long one for a town this size.
Things to do. Gamble Rogers Memorial State Recreation Area and the Flagler Beach Historical Museum are in or beside town, so the beach and a bit of local history are close at hand. A short drive away, North Peninsula State Park is another protected stretch of coast. For a longer outing, Marineland of Florida, an aquarium, is a longer drive away.
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- 2,638households
- 38%of adults have a degree
- 8%below the poverty line
- 26 mintypical commute
- 32%work from home
What residents work in
Employed residents by industry, from the Census survey. Flagler County had 28,593 jobs in 2025, 1.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 65° and lows near 49°; warmest in July, with highs near 88° and lows near 76°. About 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Palm Coast 6NE weather station, 12 miles away (NOAA).
Largest employers in Flagler County
- Flagler County Schools2,257
- Advent Health Palm Coast (previously Florida Hospital-Flagler)1,823
- Alsw LLC890
- Publix Supermarkets863
- Hammock Beach Resort637
- City of Palm Coast591
- Flagler County Board506
- Walmart462
From Flagler County’s annual financial report for 2024, its schedule of principal employers (its source: “City of Palm Coast, Florida Research and Economic Database for civilian workforce, and Career Source”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- Coastal floodingRelatively high
- HurricanesRelatively high
- WildfireRelatively moderate
- LightningRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Flagler Beach’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Flagler County and the Deltona-Daytona Beach-Ormond Beach, FL metro.
Flagler Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Flagler Beach$457,541
- 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 4 Flagler Beach listings, and the typical home goes pending in 87 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.
- Flagler Beach22.85%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Flagler Beach87
- United States24
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Flagler Beach150
New listings per month
Sellers arriving at the market.
- Flagler Beach23
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Flagler Beach$494,161
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
Not enough data to draw this yet.
Zip codes with a Flagler Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Flagler Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.