What it's like to live in Palm Coast

Palm Coast is a smaller city in Florida with air quality that stays clean most of the year and a population that has grown fast since 2020. Those factors carry real weight for anyone weighing where to move next.

The tradeoffs are worth naming plainly. Palm Coast deals with rent well above the national average, larger class sizes than the national average, a rent burden that leaves many renters stretched thin, and above-average rainfall.

The good

  • Clean air
  • Fast-growing population

The not so good

  • Rent well above the national average
  • High student-teacher ratio
  • High rent burden for renters
  • Above-average rainfall

How Palm Coast compares

Median household income

Palm Coast$77,350
Florida avg$74,568
US$80,734

Median rent (per month)

Palm Coast$1,782
Florida avg$1,669
US$1,413

Median home value

Palm Coast$350,800
Florida avg$359,000
US$332,700

What it takes to move to Palm Coast

Based on Palm Coast's median rent, home value and household income

To rent

$3,564

up front: first month plus a typical one-month deposit

  • Income to keep rent under 30%: $71,280 a year
  • 54% of Palm Coast renters spend 30% or more of their income on rent

To buy

$70,160

a 20% down payment on the median home

  • With 10% down: $35,080
  • Homes cost 4.5× the typical local household income (US: 4.1×)

Moving costs, closing costs and taxes not included.

The details

Cost of living▲ 26% above US

$1,782/mo median rent

Rent runs on the higher side, at $1,782 a month median. Whether that premium makes sense usually comes down to the local job market and what it pays. Home prices run above average, with a median around $350,800. Buyers should expect to stretch their budget here.

Median home value $350,800 · 54% of renters cost-burdened

Job marketNear US average

4.7% unemployment

Unemployment here is 4.7%, close to the national average of 4.3%.

City-level (BLS)

Safety

104 violent crimes per 100k, whole jurisdiction

Palm Coast doesn't have its own police department, so there's no crime rate for it alone. The figures shown are for the Flagler County Sheriff's Office jurisdiction as a whole, which runs below the national average for violent crime and covers many communities. Individual neighborhoods can differ a lot from that overall rate.

Property crime 475/100k · Policed by Flagler County Sheriff's Office (county-wide rate) · 2025 data

Getting aroundNear US average

27 min average commute

Commutes run about average, at 27 minutes. Fine day to day, but it adds up over a year, and where someone lives relative to where they work starts to matter. 8 in 10 workers drive to work; 17% work from home.

How workers get to work

Drive alone
68%
Work from home
17%
Carpool
12%
Other
2.3%
Walk
0.5%
Public transit
0.4%

Climate

Summers are warm, with highs around 87°F, and winters are mild, with lows rarely dropping below 51°F. Rainfall is regular throughout the year.

Average month

High °FLow °FPrecip (in)
40°50°60°70°80°90°100°8"Jan: 3.34" precipitationFeb: 3.60" precipitationMar: 3.09" precipitationApr: 2.51" precipitationMay: 2.79" precipitationJun: 5.92" precipitationJul: 6.27" precipitationAug: 6.41" precipitationSep: 7.67" precipitationOct: 4.45" precipitationNov: 2.46" precipitationDec: 2.93" precipitation49°JJan: high 65°F, low 49°FFFeb: high 68°F, low 52°FMMar: high 72°F, low 56°FAApr: high 78°F, low 62°FMMay: high 83°F, low 70°FJJun: high 86°F, low 76°F88°JJul: high 88°F, low 77°FAAug: high 88°F, low 77°FSSep: high 86°F, low 76°FOOct: high 81°F, low 69°FNNov: high 74°F, low 60°FDDec: high 69°F, low 53°F

30-year averages, 1991–2020

Healthcare

2 hospitals

There are 2 Medicare-certified hospitals inside city limits. They average 4.5 out of 5 on Medicare's star rating.

Medicare-certified hospitals

Education & workforce▼ 18% below US

30% bachelor's degree or higher

College degree attainment runs below average at 30%. That tends to reflect a more trade and working-class economy, which can be great or limiting depending on the industry.

Schools

12 public schools inside the boundary

There are 12 public schools inside the boundary and 6 private schools. The student-to-teacher ratio is 19:1, slightly above the national average of 16:1.

Parks & recreation

The nearest national park or historic site is Fort Matanzas National Monument (12 miles away). There are 5 national parks and sites within a day's drive.

Bottom line

Palm Coast's strongest points are air quality that stays clean most of the year and a population that has grown fast since 2020; the main tradeoffs are rent well above the national average and a rent burden that leaves many renters stretched thin. A year of median rent ($1,782/mo) equals 28% of the median household income here, more than the 21% typical nationwide. It tends to suit remote workers (17% of workers here already work from home). It may be a harder fit for renters on a tight budget.

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