Renters in Deltona pay a median of $1,711 a month, and the median home is valued at $285,400. Before borrowing here, test the new payment against your debt-to-income ratio, compare APR and total cost on at least three written offers, and confirm the lender is licensed in Florida.
On this page
- Local snapshot
- Jobs and income in Deltona
- Deltona households and housing
- Unemployment near Deltona
- Budget math at the median in Deltona
- Borrowing takeaways for Deltona
- How Deltona compares
- How Deltona stacks up against nearby towns
- About Deltona
- One common Deltona case
- A Deltona borrower checklist
- Other guides in the area
- Frequently asked questions
Local snapshot
These are Census Bureau estimates (ACS, 2020 to 2024) for the city of Deltona, Florida. A place average is context, while your finances are what a lender reads.
Jobs and income in Deltona
Education and health care is the largest employer category for people living in Deltona at 22%, ahead of professional, scientific and administrative services (13%) and retail (12%). Compared with the median place in our U.S. city set, Deltona leans toward construction: 11% of workers against a median of 6%. Steady salaried employers make verification simple. Seasonal, commission or contract work means gathering bank statements and tax returns first.
The spread of incomes matters as much as the middle. In Deltona, 18% of households bring in less than $35,000 a year and 32% bring in $100,000 or more, while 5% reach $200,000 or more. For comparison, the median place in our U.S. city set has 20% under $35,000 and 39% at $100,000 or more.
Deltona households and housing
Half of Deltona residents are older than 38.5. Among adults 25 and over, 20% have a four-year degree or more and 9% stopped before a high school diploma. Next to the median place in our set (37.2 years; 37% with a degree), Deltona is older, with schooling below the middle.
Of every 100 homes in Deltona, about 94 are detached houses and 1 sit in larger apartment buildings. Structure type changes the emergencies people borrow for.
Unemployment near Deltona
For September 2026, the BLS county estimate of unemployment in Volusia County is 4.9% (not seasonally adjusted, preliminary), about level from 4.9% a year earlier. Census survey data put the Deltona rate at 3.4% on a 2020 to 2024 average.
Budget math at the median in Deltona
Monthly math for a typical Deltona household: $6,410 before taxes, from a median income of $76,924. After the median rent of $1,711 (27% of income), the 30% yardstick of $1,923 is not reached. Apply a 36% debt-to-income test and a median-earning household in Deltona could carry roughly $2,308 a month in total debt payments, housing included. Home prices sit near 3.7x the median household's annual income. Taxes, insurance, transport and food come out of the same paycheck, so the room left over is smaller than the percentages suggest.
Borrowing takeaways for Deltona
28% of Deltona workers commute 45 minutes or more, in the upper third of the 784 U.S. city places we cover. A reliable vehicle is not optional for them, which is why auto repair loans and emergency expenses come up so often.
With 80% of households owning their homes, Deltona sits high among the 784 U.S. city places we cover. For owners, unexpected repairs are the typical trigger for a loan, and an unsecured loan avoids a lien on the house.
At 3.4%, the ACS unemployment rate in Deltona is among the lower ones in our U.S. city set. Stable local employment tends to help when a lender verifies your income.
How Deltona compares
Among the 784 U.S. city places we track, Deltona posts a median household income of $76,924 (419th highest of 784), a median gross rent of $1,711 (278th highest of 784), and a median home value of $285,400 (488th highest of 784). Rankings shift with every Census release.
Of the places of similar size that we cover in Florida, two reference points are Sunrise ($77,652 income, $2,140 rent), where Deltona runs 1% below on income and 20% below on rent and Plantation ($92,541 income, $2,240 rent), where Deltona runs 17% below on income and 24% below on rent. Size any payment to your own budget rather than to a neighbor's.
How Deltona stacks up against nearby towns
A short list of nearby communities, sorted by distance from Deltona, to show how quickly costs change over a few miles.
| Community | Distance | Residents | Household income (median) | Rent (median) | Rent vs Deltona |
|---|---|---|---|---|---|
| Orange City | 5 mi | 14,372 | $57,800 | $1,607 | -$104 |
| Lake Helen | 6 mi | 2,918 | $116,250 | $1,522 | -$189 |
| DeBary | 7 mi | 22,869 | $88,569 | $1,751 | +$40 |
| Sanford | 9 mi | 63,730 | $66,891 | $1,609 | -$102 |
| DeLand | 9 mi | 41,611 | $71,863 | $1,355 | -$356 |
| West DeLand | 11 mi | 3,632 | $76,386 | $1,238 | -$473 |
| Lake Mary | 12 mi | 16,860 | $109,173 | $2,120 | +$409 |
| Heathrow | 13 mi | 6,769 | $126,250 | $2,164 | +$453 |
Households earn more at the median in 4 of the 8 neighbors, while 5 have cheaper median rent than Deltona. Rent runs from $1,238 in West DeLand to $2,164 in Heathrow, and the highest median income nearby is $126,250 in Heathrow. Lenders look at your own rent or mortgage, not the town average, but the spread shows how much local costs vary.
About Deltona
Deltona is the largest city in Volusia County, between Orlando and Daytona Beach along I-4. It is mostly residential, and many residents commute to jobs in the Orlando area.
One common Deltona case
Many people in Deltona live here and work elsewhere, so commuting costs, parking and vehicle upkeep are fixed items in the budget. A vehicle repair is one of the most common emergency bills.
A Deltona borrower checklist
- Confirm the license with your state regulator before sharing details; the CFPB takes complaints about lenders.
- Stress-test the payment: could you still make it after one bad month?
- Take a day to review a contract. A lender that rushes you has told you something.
- Read your free credit reports at AnnualCreditReport.com and fix errors before you shop.
- Compare three written offers by APR, fees and total cost, using the side-by-side calculator.
Other guides in the area
Frequently asked questions
Does commuting from Deltona change how much I should borrow?
It can. 28% of Deltona workers spend 45 minutes or more getting to work, and every mile adds gas and wear. Leave room for a repair bill before committing to a payment, and favor a shorter term.
Can I borrow for a car repair if I commute from Deltona?
Yes. Get two written estimates, check whether the car is worth fixing and compare a loan with shop financing and credit union options.
Is the fit check different for Deltona residents?
No. Everyone answers the same questions and is screened on the same objective points: amount, credit range, income and payments. Lenders make their own decisions under fair-lending law.
What can I do if a lender treats me unfairly in Deltona?
Your state attorney general and financial regulator take complaints, as does the CFPB online. For advance-fee scams, use ReportFraud.ftc.gov.