Market Overview
Home Prices in Palm Coast, FL
The median home value in Palm Coast, FL is $344,274 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.5% compared to a year ago and down 4.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Palm Coast are priced16% below average. Palm Coast is part of the Deltona-Daytona Beach-Ormond Beach, FL metro area.
Over the past five years, Palm Coast home values have risen by approximately15.1%, reflecting steady appreciation in this market.
Price History
Palm Coast Home Price Trend
City Comparison
Palm Coast vs. National Median
At $344,274, homes in Palm Coast cost 16% below the national median of $410,000. This makes Palm Coast a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Palm Coast?
20% Down Payment
$68,855
on $344,274
Monthly P&I
$1,796/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,281/mo
incl. taxes & insurance
Income Needed
$91,240
gross annual (30% rule)
10% Down Option
$34,427
+ PMI applies
Loan Amount (20% dn)
$275,419
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Palm Coast, FL?
The median home value in Palm Coast is $344,274 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.5% year-over-year.
How much have home prices changed in Palm Coast?
Over the past year, home values in Palm Coast have decreased by 2.5%. Over five years, prices have risen approximately 15.1%.
How much do I need to earn to buy a home in Palm Coast?
To comfortably afford the median home price of $344,274 with a 20% down payment ($68,855) at today's rates (6.8%), you'd need a gross annual income of approximately $91,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Palm Coast compare to the national average home price?
The national median home value is approximately $410,000. At $344,274, homes in Palm Coast are 16% below the national average.
What metro area is Palm Coast part of?
Palm Coast is part of the Deltona-Daytona Beach-Ormond Beach, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.