1st Advantage MortgageThe median Flagler County household earns $77,363, and 10% of residents live below the poverty line. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Who lives in Flagler County
- What Flagler County households earn
- What it costs to live in Flagler County
- How Flagler County residents earn a living
- Flagler County and the counties next door
- Towns and communities in Flagler County
- Room for a loan payment in Flagler County
- More Flagler County figures
- Reading the Flagler County data as a borrower
- Four steps for Flagler County borrowers
- Licensing and complaints for Flagler County
- Related local guides
- Frequently asked questions
Who lives in Flagler County
With an estimated 126,528 residents (ACS 2020 to 2024), Flagler County ranks 35th of 67 in Florida for population. It covers 486 square miles of land, or about 260 people per square mile. It is one of the counties that make up the Deltona-Daytona Beach-Ormond Beach, FL metropolitan statistical area (OMB, 2023). Of the 5 Census places inside Flagler County, Palm Coast leads by population with about 98,258; 5 of the 5 are incorporated.
What Flagler County households earn
Half of Flagler County households take in less than $77,363 a year and half take in more, 4% above the Florida median of $74,568. That places it 20th among Florida's 67 county-level areas.
| Band | Flagler County | Compared with Florida |
|---|---|---|
| Under $35,000 | 20.3% | -2.0 pts |
| $35,000 to $99,999 | 41.4% | +0.3 pts |
| $100,000 to $199,999 | 27.4% | +1.7 pts |
| $200,000 or more | 10.9% | -0.1 pts |
About 20% of households earn under $35,000, while 38% clear $100,000. Census counts 10.3% of Flagler County residents in poverty, against 12.6% across Florida. None of these numbers decides a Flagler County application. Lenders weigh your own documented income against your own debts.
What it costs to live in Flagler County
A typical Flagler County rental runs $1,722 a month including utilities, which is 3% above Florida. By the Census definition, 60% of Flagler County renters are cost-burdened. Home values center on $364,900, or 4.7 years of median income. 83% of Flagler County households own their home and 17% rent. Half the housing stock was built before 2002.
| Flagler County | Florida | U.S. county median | |
|---|---|---|---|
| Median gross rent | $1,722/mo | $1,669/mo | $877/mo |
| Median home value | $364,900 | $359,000 | $185,300 |
| Owners | 83% | 68% | 75% |
| Rent-burdened renters | 60% | 60% | 45% |
| Burdened owners | 35% | 35% | n/a |
Because most Flagler County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
How Flagler County residents earn a living
Education and health care employs 22% of working residents, the largest share; professional and administrative services is next with 14%. The survey's unemployment rate for Flagler County averages 4.4% over 2020 to 2024 (state: 4.8%). About 67% drive to work alone and 16% have trips of 45 minutes or more.
| Where residents work | Flagler County | Difference from Florida |
|---|---|---|
| Education and health care | 21.9% | +0.9 pts |
| Professional and administrative services | 13.9% | -0.2 pts |
| Retail trade | 13.4% | +1.4 pts |
| Arts, lodging and food service | 9.1% | -1.9 pts |
| Finance, insurance and real estate | 8.1% | 0.0 pts |
| Construction | 7.5% | -0.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Flagler County and the counties next door
The six counties whose centers lie closest to Flagler County's, from 28 to 55 miles away. Income ranges from $47,934 in Putnam County to $109,839 in St. Johns County; 3 of these neighbors top Flagler County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Flagler County | - | $77,363 | $1,722/mo | 83% |
| Putnam County, FL | 28 mi | $47,934 | $906/mo | 75% |
| St. Johns County, FL | 30 mi | $109,839 | $1,922/mo | 82% |
| Volusia County, FL | 30 mi | $70,044 | $1,467/mo | 74% |
| Marion County, FL | 49 mi | $61,010 | $1,277/mo | 77% |
| Clay County, FL | 50 mi | $87,820 | $1,551/mo | 76% |
| Seminole County, FL | 55 mi | $85,761 | $1,783/mo | 66% |
Towns and communities in Flagler County
5 Census places fall mainly inside Flagler County; the 5 biggest are below. They account for 107,933 residents, leaving about 15% of the county in unincorporated, unnamed areas. Flagler Beach has the highest median household income on the list ($84,632) and Beverly Beach the lowest ($47,917), counting places with at least 500 residents. None of the 5 has its own city guide, so this page covers all of them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Palm Coast | city | 98,258 | $77,350 | $1,782 | 5 mi |
| Flagler Beach | city | 5,373 | $84,632 | $1,462 | 9 mi |
| Bunnell | city | 3,682 | $55,130 | $1,235 | 4 mi |
| Beverly Beach | town | 607 | $47,917 | $825 | 9 mi |
| Marineland | town | 13 | n/a | n/a | 14 mi |
Room for a loan payment in Flagler County
Flagler County at the medians, through a lender's eyes (what DTI means):
- Start: $6,447 gross per month ($77,363 / 12)
- Less median rent of $1,722, which is 27% of it
- Under a 35% cap, $2,256 total minus rent leaves $534
- $1,179: what a 45% ratio leaves once rent is paid
Car, student loan and card payments come out of that room first. Try your own numbers in the calculator.
More Flagler County figures
College graduates make up 31% of the adult population. 10.5% of residents have no health coverage.
| Measure | Flagler County | Florida statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 53.1 | 42.6 | 41.5 |
| Bachelor's or higher | 31.3% | 34.1% | 22.2% |
| No high school diploma | 6.6% | 10.1% | n/a |
| No health insurance | 10.5% | 11.5% | 7.8% |
| No vehicle | 4.0% | 6.0% | 5.4% |
| Work from home | 18.4% | 15.7% | 8.7% |
| Poverty rate | 10.3% | 12.6% | 13.2% |
| Unemployment (ACS) | 4.4% | 4.8% | 4.4% |
| Trip time | Share |
|---|---|
| Under 15 min | 24.0% |
| 15 to 29 min | 36.1% |
| 30 to 44 min | 23.5% |
| 45 to 59 min | 7.9% |
| 60+ min | 8.5% |
Reading the Flagler County data as a borrower
Based on the Flagler County data above, these borrowing questions are most likely to matter locally.
- Uninsured care. 10% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Retirees. At a median age of 53.1, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Renters under pressure. When 60% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Four steps for Flagler County borrowers
Four checks before you sign anything:
- Size the loan to the bill, not to the most a lender offers.
- Line up offers side by side: APR, fees in dollars, total cost.
- A Florida license check takes minutes; do it first.
- Confirm the first due date before setting up autopay.
Licensing and complaints for Flagler County
Flagler County borrowers fall under statewide rules, enforced by the Florida Office of Financial Regulation. Federal complaints: consumerfinance.gov. See the Florida state guide for the statewide picture.
Related local guides
The Florida guide covers the whole state.
Frequently asked questions
Is Flagler County a high-income county?
Its $77,363 median ranks 20th of 67 Florida counties and compares with $65,681 for the median U.S. county.
How does Flagler County rent compare with Florida?
$1,722 locally versus $1,669 for the state, 3% above.
What are the biggest places in Flagler County?
By population: Palm Coast, Flagler Beach, Bunnell, Beverly Beach, Marineland. The county has 5 Census places in all.
Are Flagler County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Where can someone in Flagler County check a lender's license?
With the Florida Office of Financial Regulation. If a lender is unlicensed or asks for a fee before funding, walk away.