Market Overview
Home Prices in Ponce Inlet, FL
The median home value in Ponce Inlet, FL is $526,434 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1% compared to a year ago and down 6.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ponce Inlet are priced28% above average. Ponce Inlet is part of the Deltona-Daytona Beach-Ormond Beach, FL metro area.
Over the past five years, Ponce Inlet home values have risen by approximately16.2%, reflecting steady appreciation in this market.
Price History
Ponce Inlet Home Price Trend
City Comparison
Ponce Inlet vs. National Median
At $526,434, homes in Ponce Inlet cost 28% above the national median of $410,000. Buyers in Ponce Inlet should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Ponce Inlet?
20% Down Payment
$105,287
on $526,434
Monthly P&I
$2,746/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,487/mo
incl. taxes & insurance
Income Needed
$139,480
gross annual (30% rule)
10% Down Option
$52,643
+ PMI applies
Loan Amount (20% dn)
$421,147
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 Ponce Inlet, FL?
The median home value in Ponce Inlet is $526,434 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1% year-over-year.
How much have home prices changed in Ponce Inlet?
Over the past year, home values in Ponce Inlet have decreased by 1%. Over five years, prices have risen approximately 16.2%.
How much do I need to earn to buy a home in Ponce Inlet?
To comfortably afford the median home price of $526,434 with a 20% down payment ($105,287) at today's rates (6.8%), you'd need a gross annual income of approximately $139,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Ponce Inlet compare to the national average home price?
The national median home value is approximately $410,000. At $526,434, homes in Ponce Inlet are 28% above the national average.
What metro area is Ponce Inlet part of?
Ponce Inlet is part of the Deltona-Daytona Beach-Ormond Beach, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.