Living in Palm Coast, Florida: The 2026 Data Guide
As of 2026-09-13, the median home sold in Palm Coast, Florida over the last 12 months went for $455,000 (144 closings across 33 communities in Momentum’s MLS record), about $221 per square foot for a median 1,908-sq-ft home built around 2004. Homes currently listed have been on the market a median of 105 days, and with 122 active listings against that sales pace the city is carrying roughly 10.2 months of supply. Sellers have been getting about 95% of their original asking price. That median is 13% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Palm Coast
Three price points from 99 recent Palm Coast closings in our record, each showing what actually closed within 10% of that price:
- Around $345,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,799 sq ft, built around 2002 (21 sales).
- Around $455,000: the typical sale in this band was a 3-bed, 2.5-bath home of about 2,128 sq ft, built around 2001 (14 sales).
- Around $675,000: the typical sale in this band was a 3-bed, 3-bath home of about 2,673 sq ft, built around 2005 (10 sales).
The real monthly cost of owning in Palm Coast
Take the median $455,000 home with 20% down at today’s 6.76% 30-year rate: principal and interest run about $2,363/month. Flagler County’s typical total millage is 14.65 mills, so after the $50,000 homestead exemption the property tax is roughly $5,932/year ($494/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Flagler County is about $1,626/year; private-market quotes vary with roof age and wind mitigation. 30% of current Palm Coast listings carry an HOA, with a median of $304/month where one applies. All in, budget on the order of $2,993/month to own the median Palm Coast home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Flagler County property tax guide and our home insurance by county map.
Where people are buying: Palm Coast’s most active communities
The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Palm Harbor (F-Section) | 31 | $483,000 | 105 |
| 25 | $325,000 | 142 | |
| Cypress Knoll (E-Section) | 21 | $450,000 | 99 |
| Seminole Woods (S/U-Section) | 18 | $362,400 | 77 |
| Grand Haven | 14 | $455,000 | 162 |
| Grand Landings | 8 | $522,500 | 107 |
| Hammock Dunes | 6 | $950,000 | 185 |
| Palm Coast Plantation | 6 | $537,050 | 124 |
Palm Coast by ZIP code
Sales and medians by ZIP over the same 12 months: 32137 (52 sales, median $541,550), 32164 (36 sales, median $400,000).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 91% were single-family homes, 3% townhomes or villas, and 6% condos. New construction accounted for 14% of closings. The housing stock skews mixed: 25% of homes sold were built in 2015 or later and 3% before 1980.
Getting around from Palm Coast
Measured from the center of Palm Coast’s recent sales: Daytona Beach is about 23 miles; St. Augustine is about 28 miles; Ocala is about 61 miles; Downtown Jacksonville is about 64 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Flagler County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Flagler County’s typical millage of 14.65; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Flagler County average of $1,626/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Palm Coast: the case for and against
What works in Palm Coast’s favor
- about 10.2 months of supply gives buyers room to negotiate
- insurance is comparatively manageable here (Citizens average $1,626/year)
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 13% above the statewide median in our coverage
- listings sit a median of 105 days, which favors buyers on price but signals a slower market
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Palm Coast relocation toolkit
- Homes for sale in Palm Coast right now
- Cost of living in Palm Coast
- Best neighborhoods in Palm Coast
- Find an agent in Palm Coast
- Palm Coast ZIP codes with prices
- Search every Palm Coast community
Common questions about moving to Palm Coast
How much does a house cost in Palm Coast, FL?
What does it cost per month to own a home in Palm Coast?
What are property taxes like in Palm Coast?
Is Palm Coast a buyer's or seller's market right now?
Is there a lot of new construction in Palm Coast?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Palm Coast communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Flagler County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.