Flagler County Homes for Sale

Northeast Florida · county seat Bunnell · 121,710 residents

Flagler County is Palm Coast — one of Florida's newest cities, a planned 1970s ITT development of canals and trails between St. Augustine and Daytona that has become a fast-growing, affordable coastal county with an A-rated school district and a quiet beach-town pace at Flagler Beach.

1,328 homes for saleMedian $348KBalanced Market101 neighborhoods
Live Market Pulse
50/100
Momentum
Balanced Market
Buyer 7/10 · Seller 3/10 · Investor 4/10. Affordable coastal living with newer planned-community housing and good schools; strong value between St. Johns and Volusia.
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Built fromZillow & Realtor.com datarealMLS listingsCensus & IRSUpdated monthly
LiveMarket PulseApril 2026
$348K
Median Value
-3.2%
1-Yr Price
71days
Avg DOM
22.7%
Price Cuts
Soft
Seller Leverage
$223/sf
Median $/Sqft
1,328
For Sale
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Flagler County is Palm Coast — one of Florida's newest cities, a planned 1970s ITT development of canals and trails between St. Augustine and Daytona that has become a fast-growing, affordable coastal county with an A-rated school district and a quiet beach-town pace at Flagler Beach. For buyers that means real negotiating room; for sellers, sharp pricing and a willingness to offer a concession. The county median is a starting point — the number that matters is the one for a specific home in a specific Flagler County neighborhood, which is what we price against live comps."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Flagler County snapshot (April 2026): typical home value $348K ($223/sqft), median rent $1,898, about 1,328 active listings, a median 71 days on market, and 22.7% of listings cutting price — a balanced market. Values are -3.2% over the past year and +3.9% over five years.

Flagler's economy is led by the school district (the county's largest employer) and healthcare (AdventHealth Palm Coast), with retail, construction, and government rounding out a market still heavily oriented toward retirees and Daytona-and-St. Augustine commuters. Tourism along Flagler Beach and the growing Town Center add to the base.

Entry
under $244K

Condos, townhomes, and starter homes — the lowest-cost way into Flagler County and its school zones.

Core
$244K–$452K

The heart of the market: established single-family homes and newer planned-community product.

Top
$452K+

Luxury, waterfront, acreage, and custom homes — the county's strongest-resale tier.

Rolled-up counts and medians from Realtor.com, April 2026. Price bands are typical ranges for orientation, not an appraisal.

Flagler County Market Scorecard

Balanced Market

Flagler County is a balanced market: about 1,328 active listings, a median list price of $415,000, 22.7% of them cutting price, and homes going under contract in about 71 days.

$348K
Typical value
404
New / mo
$223
$/sqft
71
Days on mkt
22.7%
Cut price
$1,898
Median rent
Typical home value · last 13 months $348K

Go deeper: county scorecard · all 67 counties · true cost calculator · affordability calculator.

Typical value & rent: Zillow Research. Listings & days on market: Realtor.com, April 2026. Market metrics describe homes for sale and recent sales, not residents.

Should You Buy, Sell, or Invest Here?

7/10
Buyer

Affordable coastal living with newer planned-community housing and good schools; strong value between St. Johns and Volusia.

3/10
Seller

Steady retiree-and-commuter demand keeps it active, though new construction means realistic pricing.

4/10
Investor

Lower entry prices and steady rental demand make Flagler an accessible Northeast Florida coastal market.

Cash offer
~$313K
  • Close in as little as 7–14 days
  • No repairs, cleaning, or showings
  • No financing fall-through
  • Pick your move-out date
List with Momentum
~$348Ktypical value
  • Often nets more, even after commission
  • Sells 1.25% above MLS average, 8 days faster
  • Full marketing & negotiation
  • We front the prep with our concierge

Figures are illustrative ranges, not an offer. Your actual cash offer and net-to-seller depend on the home's condition, location, and current Flagler County demand. Compare both at our Flagler County cash-offer page.

Schools in Flagler County

Flagler Schools is an A-rated district serving roughly 13,000 students, with strong flagship programs (IB and a project-based New Tech academy) at Flagler Palm Coast High School.

  • Flagler Palm Coast High School (IB, i3 New Tech)
  • Matanzas High School
  • Imagine School at Town Center (charter)

Confirm the zoned assignment between the county's two main high-school zones. See school-zone guides →

Taxes, Insurance & Cost to Own

A median-priced Flagler County home costs about $2,496/month all-in (mortgage, tax, and insurance, 10% down) against median household income of $72,923. Florida's homestead exemption removes up to $50,000 of assessed value, and Save Our Homes caps annual assessed-value increases at 3% while you keep the homestead.

Typical property-tax millage14.648 mills (~1.46% before exemptions)
Avg. homeowners insurance$1,626/yr (Citizens county avg)
Homestead exemptionUp to $50,000 + 3% Save Our Homes cap
Est. all-in monthly (PITI)$2,496/mo on a $348K home
Income to buy median home$99,836/yr (est.)

At about $1,626 a year on average, Flagler is middle-of-the-pack for Florida — manageable, but very address-dependent near the water. Wind-mitigation features earn insurance credits; flood insurance is priced separately by address. Run your own numbers with the true cost calculator.

New Construction in Flagler County

Builders pulled 2,586 residential permits last year (-0.1% YoY) — 1,950 single-family and 636 multifamily, about 21.2 per 1,000 residents. Active master-planned communities include Palm Coast (ITT-planned sections); Grand Haven; Hammock Beach; Palm Coast Plantation; Sawmill Branch / new master plans. Builders compete on rate buydowns and closing-cost credits; buyer representation matters even on a new build. See active builders →

Population & Migration

Flagler County has about 121,710 residents. On a net domestic basis it gained roughly 4,355 people and a net +$318.55M in adjusted gross income in the latest IRS filing year (county-to-county moves within the U.S.; this does not count international migration or births). Domestic arrivals are led by NY, NJ, CT, CA. Migration is the demand engine behind prices: when more income flows in than out, it supports both rents and values.

12-Month Forecast

Expect Flagler to keep drawing affordability-focused retirees and commuters over the next 12 months, with new construction in Palm Coast keeping buyers in a good position and the beach and Hammock high end the most premium — coastal insurance the main brake.

Palm CoastThe county's planned-community core; 70 miles of canals, 130+ miles of trails, and most of the housing.
Flagler BeachLow-key, charming barrier-island beach town with a classic pier.
BunnellSmall rural county seat and government center.
HammockCoastal area between Flagler Beach and St. Augustine with luxury and nature.
Palm Coast (the Hammock/Grand Haven)Premier gated and golf communities.

Economy & Major Employers

Flagler's economy is led by the school district (the county's largest employer) and healthcare (AdventHealth Palm Coast), with retail, construction, and government rounding out a market still heavily oriented toward retirees and Daytona-and-St. Augustine commuters. Tourism along Flagler Beach and the growing Town Center add to the base.

  • Flagler Schools
  • AdventHealth Palm Coast
  • Flagler County government
  • City of Palm Coast
  • Publix
  • Palm Coast Town Center retail

Flagler Schools is the county's largest employer; Palm Coast, incorporated in 1999, is one of Florida's newest and fastest-growing cities.

A deep, diversified employer base is what underpins housing demand through national cycles. Talk to a local Flagler County agent →

Master-plannedPalm Coast (ITT-planned sections), Grand Haven, Hammock Beach, Palm Coast Plantation, Sawmill Branch / new master plans
GolfGrand Haven (Jack Nicklaus), Hammock Beach (Conservatory & Ocean Course), Pine Lakes, Cypress Knoll
WaterfrontPalm Coast saltwater canals, Intracoastal Waterway, Flagler Beach oceanfront, Hammock Dunes
LuxuryHammock Dunes, Hammock Beach, Grand Haven, oceanfront Flagler Beach / the Hammock
55+ / active adultGrand Haven (active-adult sections), Palm Coast Plantation, select 55+ communities

Lifestyle in Flagler County

Flagler offers an affordable, outdoorsy coastal life: Palm Coast's network of saltwater canals and 130-plus miles of trails and paths, the uncrowded sands and classic pier of Flagler Beach, the golf-and-ocean luxury of Hammock Beach and Hammock Dunes, and Washington Oaks Gardens State Park — all positioned conveniently between historic St. Augustine and Daytona Beach.

Risks to Weigh

Flagler's risks are coastal hurricane and flood exposure on Flagler Beach and the barrier 'Hammock' (Hurricanes Matthew and Irma eroded the beachfront and A1A), rising coastal insurance, and the growing pains of a fast-expanding planned city. Inland Palm Coast carries lower surge risk, and insurance runs below the immediate oceanfront.

Palm Coast (80)

Beverly Beach (1)

Flagler County Real Estate FAQ

What is the median home price in Flagler County?
The typical Flagler County home is worth about $348K as of April 2026 (Zillow ZHVI), -3.2% over the past year. The median list price is similar; individual neighborhoods range widely around that figure.
Is Flagler County a buyer's or seller's market?
As of April 2026, Flagler County is a balanced market. Homes are taking a median of 71 days to sell, and inventory has rebuilt from its lows, giving buyers more room to negotiate than in recent years.
Is Flagler County expensive?
Flagler County's price-to-income ratio is about 4.8×, which is around the typical Florida county. The bigger cost surprises for newcomers are property insurance and, in newer communities, CDD fees — not the sticker price.
What is the average rent in Flagler County?
The median rent is about $1,898 a month (Zillow ZORI). Against the typical home value, that is a gross rental yield near 6.5%.
Are property taxes high in Flagler County?
The typical millage is about 14.648 mills, or roughly 1.46% of taxable value before exemptions. Florida's $50,000 homestead exemption and the Save Our Homes 3% assessment cap meaningfully lower the bill for owner-occupants.
How much is homeowners insurance in Flagler County?
The Citizens county-average premium is about $1,626 a year, but your actual cost depends heavily on the home's age, roof, construction, and flood zone. Wind-mitigation credits can lower it; flood insurance is priced separately by address.
Is Flagler County a good place to invest in real estate?
Lower entry prices and steady rental demand make Flagler an accessible Northeast Florida coastal market.
Is Flagler County growing?
Flagler County has about 121,710 residents and is still drawing net in-migration of people and income. Migration and jobs are the forces most likely to support prices through the rate cycle.
How long do homes take to sell in Flagler County?
A median of about 71 days on market as of April 2026, longer than the 2021-2022 frenzy and a sign of today's more balanced conditions.
What are the best areas to live in Flagler County?
The county seat, Bunnell, anchors the market, and the right area depends on whether you prioritize schools, commute, the water, or new construction. Our neighborhood guides map each on price, schools, and lifestyle.
What is the price per square foot in Flagler County?
Listings in Flagler County are priced around the area's median per-square-foot rate as of April 2026; smaller, older, and inland homes run below it, while new construction and waterfront run above. Per-square-foot is most useful within a single neighborhood, not across the whole county.
How much income do I need to buy a home in Flagler County?
As a rough rule, a buyer needs household income roughly in line with the county's price-to-income ratio of 4.8× the home price, keeping total housing costs near 30% of income. Median household income here is $72,923. A lender pre-approval gives you the exact figure for your situation.
Is now a good time to buy in Flagler County?
It depends on your horizon. For buyers planning to stay several years, today's balanced market conditions — more inventory and routine price cuts — offer better terms than the 2021-2022 peak. For short-term flips, flat appreciation makes the math tight. The right answer is specific to the home and your timeline.
Do I need flood insurance in Flagler County?
It depends on the address. Homes in FEMA high-risk flood zones (A or V) typically require flood insurance with a federally backed mortgage, and even outside those zones it can be worth carrying in low-lying or coastal parts of Flagler County. Flood premiums are priced separately by address under FEMA Risk Rating 2.0, so always check the flood zone before you buy.
Is Flagler County a good place to retire?
Florida's lack of a state income tax and the homestead/Save Our Homes protections make Flagler County attractive for retirees on a fixed income, especially in its 55+ and lower-maintenance communities. Weigh that against insurance costs and proximity to healthcare when you choose a specific area.
How fast are home prices rising in Flagler County?
Over the past year, the typical Flagler County home value moved -3.2%. Over five years it is +3.9% and over ten years +5.8% — so the long-run trend is up even though near-term growth has cooled.
What is the cost of living in Flagler County?
Housing, insurance, and property tax are the main local cost drivers; Florida charges no state income tax. A median-priced home runs about $2,496 a month all-in (mortgage, tax, and insurance), against median household income of $72,923 a year. Utilities, transportation, and healthcare track close to state averages.
What are the risks of buying in Flagler County?
The main ones are hurricane and flood exposure (which drive insurance costs), rising premiums statewide, and — in fast-growing submarkets — overbuilding that can soften resale and rents. On older condos, ask about reserves and special assessments. None are dealbreakers, but all belong in your budget before you offer.
Is Flagler County good for real estate investors?
Flagler County's estimated cap rate is about 6.5% with a gross yield near 6.5%, so it leans cash-flow-friendly. Net migration and the local job base are the demand signals that matter most for landlords here.
What counties are near Flagler County?
See the 'Explore more' section on this page for direct links to the neighboring county market reports, plus the full set of scorecards for all 67 Florida counties.
Has inventory in Flagler County gone up?
Yes — active listings are -10.5% versus a year ago. That rebuild from pandemic-era lows is the single biggest reason buyers have more leverage now than they did in 2021-2022.
Is Palm Coast a good place to live?
Palm Coast is a fast-growing, affordable planned city popular for its saltwater canals, 130-plus miles of trails, A-rated Flagler Schools, golf, and a quiet pace between St. Augustine and Daytona Beach. It draws retirees and commuters alike. The main considerations are coastal hurricane and insurance exposure near Flagler Beach and the Hammock, and the growing pains of rapid expansion.

or call (904) 351-6461 · jon@movewithmomentum.com

Momentum agents serving Flagler County

1 local Momentum specialists who work the Flagler County market — reach any of them directly.