Total monthly cost of ownership
Cost to Own a Home in Flagler Beach, Florida
A $497,000 home here costs
$3,768per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,555. The real number is $1,212 higher every month — 47% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Flagler Beach against Volusia County and Florida
| Measure | Flagler Beach | Volusia County |
|---|---|---|
| Median home value | $496,800 | $278,000 |
| Median property tax | $3,522 | $2,179 |
| Effective tax rate | 0.709% | 0.784% |
| Median gross rent | $1,581 | $1,368 |
| Population | 5,250 | 568,229 |
Flagler Beach extends across 2 counties. Figures here use Volusia County, where most of its housing sits.
The weather behind that power bill
Flagler Beach sits in Volusia County, which averages a high of 90.2°F in its hottest month and a low of 48.5°F in its coldest, with 51.25" of precipitation a year and 39% of it in a single three-month stretch. That climate drives 3,112 cooling and 708 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Volusia County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Volusia County
Full Volusia County cost breakdown · Every county in Florida
Common questions
How much does it cost to own a home in Flagler Beach?
A $497,000 home in Flagler Beach, Florida costs approximately $3,768 per month with 20% down at 6.66%. That is $2,555 principal and interest, $294 property tax, $300 homeowners insurance, $204 utilities and $414 set aside for maintenance.
What is the property tax rate in Flagler Beach?
Flagler Beach has an effective property tax rate of 0.709%, based on a median home value of $496,800 and median real estate taxes of $3,522. That is lower than the Volusia County average of 0.784%.
What is the average home price in Flagler Beach?
The median owner-occupied home value in Flagler Beach, Florida is $496,800, against $278,000 across Volusia County.
Is it cheaper to rent or buy in Flagler Beach?
Median gross rent in Flagler Beach is $1,581 a month, against $3,768 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Flagler Beach — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Florida.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.