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Palm Coast, FL

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US location · verified

Neighborhood intelligence

Your Palm Coast relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Palm Coast.

Median rent

$1,782/mo

ACS 2024 5-year

Median household income

$77,350

ACS 2024 5-year

Median home value

$350,800

ACS 2024 5-year

Safety score

93/100

FBI CDE

Weather

78°F (H 84° / L 73°)

Open-Meteo

Buying in Palm Coast? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

93/100

FBI CDE

Exceptionally safe for families — 66% below average vs. national FBI data, 2023–2024

Excellent

Noise Level

46 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 78°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 67 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Palm Coast FL

Palm Coast offers above-average safety (93/100). Rent runs $1,782/month and median income sits at $77,350.

Palm Coast has about 98,258 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Palm Coast FL Safe?

Palm Coast FL scores 93/100 on safety (well above average). Crime is about 66% below the national average. Most neighborhoods are fine for evening walks; still check the block you actually rent.

Detail: overall crime index 34 (100 = avg); violent crime index 38; property crime index 29. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Palm Coast FL

School quality varies by neighborhood in Palm Coast. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Palm Coast FL

Typical rent in Palm Coast is about $1,782/month (on the high side). At $1,782/month for a typical unit, you need about $64,152+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $350,800.

Median household income is $77,350, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($77,350) clears the $64,152 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Palm Coast FL

Average temperature is about 78°F (highs near 84°F, lows near 73°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Palm Coast FL?

Who tends to thrive in Palm Coast: (1) Households that want quieter streets (safety sits at 93/100) (2) People relocating for a job who can pick a safer ZIP (citywide safety is 93/100) (3) Households earning $64,152+ who can clear the 3× rent rule at $1,782/month (4) Movers with a locked job offer in Palm Coast who already priced rent and commute

Who should look elsewhere: (1) Anyone stretching past 40% of take-home on housing at $1,782/month (2) Households expecting top marks on rent and safety at once (Palm Coast does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $64,152 household income for $1,782/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Palm Coast holds up well on the core metrics we publish. Safety at 93/100 makes it a reasonable choice for households who can manage $1,782/month rent. Verify school ratings for your target ZIP separately.

Next steps

Tools for your move

Quotes and listings for Palm Coast when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Palm Coast.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,418

Mortgage + tax + insurance + HOA

Annual property tax

$5,087

Annual est. $5,580

Est. monthly utilities

$761

Climate-adjusted electric, gas & water

Median home price

$350,800

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$315k
2022
$324k
2023
$333k
2024
$342k
2025
$351k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$636/mo vs buying
$1,782ACS 2024 5-year
Rent
$2,418
Buy

Mortgage

$1,774

Property tax

$424

Insurance

$125

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$4,655/yr

2024

1.37%

$4,795/yr

2025

1.41%

$4,939/yr

2026

1.45%

$5,087/yr

Buying in Palm Coast? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

93 (100 = avg)

moderate exposure

Est. annual homeowners insurance

$1,503/yr

moderate exposure
Wind hazard index67 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 78°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,503.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Palm Coast to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo