Renters in Ormond Beach pay a median of $1,411 a month, and the median home is valued at $354,800. 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
- Ormond Beach in numbers
- Paychecks in Ormond Beach
- Residents and homes in Ormond Beach
- Jobs data for the Ormond Beach area
- A median Ormond Beach budget
- What the numbers suggest about borrowing in Ormond Beach
- Ormond Beach against similar places
- How Ormond Beach stacks up against nearby towns
- Local background
- One common Ormond Beach case
- A Ormond Beach borrower checklist
- Guides near Ormond Beach
- Frequently asked questions
Ormond Beach in numbers
All figures here are ACS 2020 to 2024 five-year estimates for the city of Ormond Beach. They are estimates with margins of error, and they say nothing about any one household.
Paychecks in Ormond Beach
Employment among Ormond Beach residents centers on education and health care (24%), with professional, scientific and administrative services (14%) and retail (14%) next. The sector where Ormond Beach stands furthest from the typical place in our set is retail (14% here, 11% at the median).
At the top of the scale, 12% of Ormond Beach households earn $200,000 or more; at the bottom, 23% earn under $35,000. Ormond Beach trails the U.S. city median on $100,000 households (39%), and sits above it on households under $35,000 (20%).
Residents and homes in Ormond Beach
Residents of Ormond Beach have a median age of 53.6; 36% of adults 25 and older have at least a bachelor's degree, and 6% did not finish high school. The U.S. city medians are 37.2 years and 37% with a degree, so Ormond Beach skews older and near the middle on schooling. Education levels shape the local job mix, which in turn shapes pay schedules and benefits.
By structure type, 65% of Ormond Beach housing units are detached single-family homes and 16% are in buildings with five or more units.
Jobs data for the Ormond Beach area
The Bureau of Labor Statistics put the unemployment rate in Volusia County at 4.9% for September 2026 (not seasonally adjusted, preliminary), about level from 4.9% a year earlier. Census survey data put the Ormond Beach rate at 3.5% on a 2020 to 2024 average. A low rate does not mean every household is secure, and a high one does not mean every household is struggling.
A median Ormond Beach budget
Divide the median income of $69,177 by twelve and a Ormond Beach household has about $5,765 a month before taxes. Rent at the median ($1,411) uses 24% of that; 30% would be $1,729. About $2,075 a month is what 36% of median gross income comes to here, a rough ceiling many lenders use for all debts combined. The typical home is priced at 5.1 times the median household income.
What the numbers suggest about borrowing in Ormond Beach
In Ormond Beach, 68% of renting households are cost-burdened by the Census definition (30 percent or more of income on rent), among the higher shares of the 784 U.S. city places we track. When rent is already heavy, size any new payment against what is left each month, and check it with the debt-to-income calculator.
With 79% of households owning their homes, Ormond Beach sits high among the 784 U.S. city places we cover. Owners have equity-based choices that renters do not, but borrowing against a house puts the house at risk, so weigh a HELOC against a personal loan before deciding.
At 3.5%, the ACS unemployment rate in Ormond Beach is among the lower ones in our U.S. city set. Stable local employment tends to help when a lender verifies your income.
Ormond Beach against similar places
Line Ormond Beach up with the other 784 U.S. city places and you see a median household income of $69,177 (rank 499 of 784), a median gross rent of $1,411 (rank 442 of 784), and a median home value of $354,800 (rank 366 of 784). Treat the order as context, nothing more.
Nearby in size, and also in Florida, are Lakewood Ranch ($122,925 income, $2,299 rent), where Ormond Beach runs 44% below on income and 39% below on rent and DeLand ($71,863 income, $1,355 rent), where Ormond Beach runs 4% below on income and 4% above on rent.
How Ormond Beach stacks up against nearby towns
A short list of nearby communities, sorted by distance from Ormond Beach, to show how quickly costs change over a few miles.
| Nearby place | Miles away | Residents | Household income (median) | Median rent | Rent vs Ormond Beach |
|---|---|---|---|---|---|
| Ormond-by-the-Sea | 4 mi | 7,146 | $79,120 | $1,434 | +$23 |
| Holly Hill | 5 mi | 13,084 | $55,412 | $1,431 | +$20 |
| Daytona Beach | 7 mi | 78,992 | $52,058 | $1,328 | -$83 |
| South Daytona | 11 mi | 13,543 | $56,579 | $1,379 | -$32 |
| Daytona Beach Shores | 11 mi | 5,188 | $74,392 | $1,505 | +$94 |
| Flagler Beach | 13 mi | 5,373 | $84,632 | $1,462 | +$51 |
| Port Orange | 14 mi | 64,767 | $74,426 | $1,634 | +$223 |
| Bunnell | 16 mi | 3,682 | $55,130 | $1,235 | -$176 |
Households earn more at the median in 4 of the 8 neighbors, while 3 have cheaper median rent than Ormond Beach. The cheapest median rent here is Bunnell's $1,235, the steepest is Port Orange's $1,634, and Flagler Beach leads on income at $84,632. For anyone weighing a move to cut costs, this spread is the place to start; a loan payment should fit the budget after the move, not before it.
Local background
Ormond Beach is a Volusia County city on the Atlantic just north of Daytona Beach. Many residents are retirees, and health care, retail and light manufacturing are local employers.
One common Ormond Beach case
A fixed income makes a fixed payment attractive and a variable one risky. If you are retired in Ormond Beach, favor loans with a clear total cost and no early-payoff penalty.
A Ormond Beach borrower checklist
- Look the lender up with your state's financial regulator, and know that the CFPB takes complaints too.
- Compare three written offers by APR, fees and total cost, using the side-by-side calculator.
- Try the free routes first: a credit union, a hardship plan or a nonprofit counselor may beat any loan (free options).
- Take a day to review a contract. A lender that rushes you has told you something.
- Never pay a fee first. A request for money before funding is the mark of a scam; the scam guide lists the usual scripts.
Guides near Ormond Beach
Frequently asked questions
Is a personal loan a good idea in Ormond Beach if rent is already a big expense?
It can be when the loan lowers your total cost, for example by replacing high-interest cards, and when the new payment fits after rent. In Ormond Beach, 68% of renters spend 30 percent or more of income on rent, so test every payment against a tight month and avoid long terms that raise total cost.
Can retirees in Ormond Beach get a personal loan on Social Security income?
Yes. Lenders must treat Social Security and pension income like other verifiable income, though each lender sets its own criteria.
Is the fit check different for Ormond Beach residents?
Beyond confirming your state, no. Your answers about the amount, credit, income and payments are all the check uses, and the same rules apply to every applicant.
What can I do if a lender treats me unfairly in Ormond Beach?
Your state attorney general and financial regulator take complaints, as does the CFPB online. For advance-fee scams, use ReportFraud.ftc.gov.