What's actually happening in Palm Coast and Flagler County right now. Median sale price, days on market, months of supply, year-over-year trends. Real numbers from Redfin and Flagler County public records, refreshed quarterly.
The Palm Coast median sale price sits around $365,000, roughly 6 percent below the broader Jacksonville MSA median of $390,000. Days on market has extended to 104, a 33 percent increase versus the same period one year ago. Homes are selling on average 3 percent below list price, and the Redfin Compete Score for Palm Coast sits at 22 out of 100, classified as "not very competitive."
For buyers, this is a meaningfully different market than what existed in 2021-2022. Multiple-offer scenarios are rare. Sellers are negotiating. Inspection contingencies hold real weight. Buyers in Palm Coast in 2026 have negotiating room they did not have during the peak migration years, especially on homes that have been listed for more than 60 days.
For sellers, the implications are different. The market is forgiving of nothing. Homes that are well-priced, well-photographed, and well-prepared still sell. Homes that are aspirationally priced or under-prepared sit. The 104-day median days on market is the median, which means roughly half of all Palm Coast listings sit longer than that before going under contract.
The table below compares early 2026 metrics against the same period one year prior. The direction is consistent across every metric. Inventory expanding, days on market extending, the share of homes selling above list compressing, and sales volume moderately lower.
| Metric | Early 2026 | Early 2025 | YoY change |
|---|---|---|---|
| Median sale price | $365,000 | $369,000 | −1.1% |
| Median days on market | 104 | 78 | +33% |
| Months of supply | 2.8 | 2.1 | +33% |
| Sold-to-list ratio | 97% | 98.5% | −1.5 pp |
| Median $/sqft | $190 | $191 | ~flat |
| Sold over list (share) | ~8% | ~18% | −56% |
The largest single shift is the share of homes selling above list. A year ago, roughly 1 in 5 Palm Coast homes closed above asking price. Today that's closer to 1 in 12. That's a significant move and it confirms what listing agents are seeing on the ground. Bidding-war conditions in Palm Coast have effectively ended.
Coastal Florida homeowners insurance has roughly doubled since 2021. Flagler County is particularly exposed given the Atlantic coastline and Intracoastal exposure on the east side of Palm Coast. For a $400,000 Palm Coast home, annual homeowners premiums commonly run $3,500 to $5,500 depending on wind mitigation and flood zone, with riverfront and oceanfront properties running materially higher.
The Freddie Mac 30-year fixed rate has hovered between 6.4 and 6.9 percent for the past year. For a $365,000 Palm Coast home with 10 percent down, the monthly principal-and-interest payment runs roughly $2,075 at 6.5 percent. Add insurance and taxes and total carrying cost approaches $3,000 per month. That qualifies for a household income around $128,000, which prices out a meaningful share of historical Palm Coast buyers.
Palm Coast attracted a wave of out-of-state second-home buyers and retirees during the 2020-2022 migration boom. Several of those buyers are now listing properties they purchased at peak prices. New out-of-state demand has slowed as remote work flexibility has tightened and as alternative Florida markets have become relatively more attractive. The result is more inventory chasing fewer buyers.
Palm Coast sits at the southern edge of the broader Northeast Florida market. Buyers shopping Palm Coast often also consider St. Augustine, Daytona Beach, and even Jacksonville's beach communities. The table below shows where Palm Coast lands.
| Market | Median price | DOM | MoS | Sold/list |
|---|---|---|---|---|
| Palm Coast | $365,000 | 104 | 2.8 | 97% |
| St. Augustine | $435,000 | 62 | 3.4 | 97.5% |
| Daytona Beach | $315,000 | 87 | 3.4 | 95% |
| Jacksonville MSA | $390,000 | 43 | 3.8 | 97.5% |
Palm Coast offers a relative value play for buyers willing to live further south than St. Augustine. Per-square-foot pricing is lower, and the buyer's market conditions are more pronounced. Compared to Daytona Beach, Palm Coast has stronger schools, less density, and a higher median price reflecting its newer housing stock and Intracoastal access.
If you're buying in Palm Coast in 2026, ask for everything. Closing cost credits, repair allowances, home warranty, and flexible closing timing are all on the table for buyers right now. Homes that have been listed more than 60 days have the most negotiating room.
Palm Coast metrics are aggregated from Redfin's Palm Coast city-level housing market data, Movoto market trend reports, Flagler County Property Appraiser public records, and Florida Realtors monthly statistical releases. Where sources report different medians for different time windows, the rolling six-month median is reported.
This page refreshes quarterly. For broader Northeast Florida 6-county market data, see the monthly Housing Pulse report. For Jacksonville MSA detail, see Jacksonville housing market data. For the next coastal market north, see St. Augustine housing market data.
Sold-to-list and days-on-market metrics depend on which transactions are included in the calculation. We use single-family residential closed transactions only, excluding pending sales, foreclosures, and land-only transactions. See our full methodology page for the complete data and citation policy.
Momentum has agents who close in Palm Coast and the surrounding Flagler County markets. If you're buying or selling here, talk to someone who knows the streets, the school zones, and the listing dynamics by subdivision.
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