1st Advantage MortgageThe median Volusia County household earns $70,044, and 12% of residents live below the poverty line. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- A quick profile of Volusia County
- Renting and owning in Volusia County
- What Volusia County households earn
- Employment and commuting in Volusia County
- Cities, towns and CDPs in Volusia County
- Counties near Volusia County
- A Volusia County household budget, worked through
- Local borrowing considerations for Volusia County
- Volusia County residents: age, schooling, coverage
- Before you sign
- Florida rules that apply in Volusia County
- Related local guides
- Frequently asked questions
A quick profile of Volusia County
Volusia County is home to about 579,622 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 12th most populous of 67 county-level areas in Florida. Land area is 1,101 square miles (2024 Gazetteer), so density runs near 526 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 24 Census places inside Volusia County, Deltona leads by population with about 97,334; 16 of the 24 are incorporated.
Renting and owning in Volusia County
Median gross rent, utilities included, comes to $1,467 in Volusia County versus $1,669 statewide. 58% of renting households spend 30% or more of income on rent, and 30% spend half or more. Home values center on $313,000, or 4.5 years of median income. Owners occupy 74% of homes. The median year built is 1986.
| Housing | Volusia County | Florida statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,467/mo | $1,669/mo | $877/mo |
| Median home value | $313,000 | $359,000 | $185,300 |
| Owners | 74% | 68% | 75% |
| Rent-burdened renters | 58% | 60% | 45% |
| Burdened owners | 34% | 35% | n/a |
Because most Volusia 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. When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
What Volusia County households earn
Half of Volusia County households take in less than $70,044 a year and half take in more, 6% below the Florida median of $74,568. That places it 32nd among Florida's 67 county-level areas.
| Yearly household income | Volusia County | Gap to Florida |
|---|---|---|
| Under $35,000 | 23.1% | +0.8 pts |
| $35,000 to $99,999 | 45.2% | +4.2 pts |
| $100,000 to $199,999 | 24.2% | -1.4 pts |
| $200,000 or more | 7.4% | -3.6 pts |
About 23% of households earn under $35,000, while 32% clear $100,000. Census counts 11.8% of Volusia County residents in poverty, against 12.6% across Florida. Income inequality, measured by the Gini index, comes to 0.449 here. None of these numbers decides a Volusia County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Volusia County
Education and health care employs 22% of working residents, the largest share; retail trade is next with 13%. ACS puts five-year average unemployment at 4.1% in Volusia County. Long commutes are common here: 18% of workers spend 45 minutes or longer getting to work.
| Industry | Share of Volusia County workers | vs Florida |
|---|---|---|
| Education and health care | 22.1% | +1.1 pts |
| Retail trade | 13.3% | +1.3 pts |
| Professional and administrative services | 13.1% | -1.1 pts |
| Arts, lodging and food service | 10.5% | -0.4 pts |
| Construction | 8.6% | +0.4 pts |
| Finance, insurance and real estate | 7.6% | -0.5 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Cities, towns and CDPs in Volusia County
The table lists the 14 largest of 24 Census places in Volusia County, by population. Together all 24 hold about 483,613 people, so roughly 17% of residents live outside any named place. Incomes vary by place: $143,368 at the median in Seville, $42,886 in DeLand Southwest. Median rent ranges from $820 in Oak Hill to $2,865 in Samsula-Spruce Creek. 4 of them have a separate city guide (linked). For the rest, this is the local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Deltona | city | 97,334 | $76,924 | $1,711 | 11 mi |
| Daytona Beach | city | 78,992 | $52,058 | $1,328 | 10 mi |
| Port Orange | city | 64,767 | $74,426 | $1,634 | 10 mi |
| Ormond Beach | city | 43,976 | $69,177 | $1,411 | 17 mi |
| DeLand | city | 41,611 | $71,863 | $1,355 | 8 mi |
| New Smyrna Beach | city | 31,974 | $83,865 | $1,712 | 13 mi |
| Edgewater | city | 23,627 | $60,977 | $1,309 | 15 mi |
| DeBary | city | 22,869 | $88,569 | $1,751 | 16 mi |
| Orange City | city | 14,372 | $57,800 | $1,607 | 11 mi |
| South Daytona | city | 13,543 | $56,579 | $1,379 | 12 mi |
| Holly Hill | city | 13,084 | $55,412 | $1,431 | 15 mi |
| Ormond-by-the-Sea | CDP | 7,146 | $79,120 | $1,434 | 21 mi |
| Daytona Beach Shores | city | 5,188 | $74,392 | $1,505 | 13 mi |
| Samsula-Spruce Creek | CDP | 4,852 | $97,805 | $2,865 | 6 mi |
Counties near Volusia County
Seminole County is closest, 25 miles from center to center; the sixth, Marion County, is 54 miles off. 4 of the six report a higher median household income than Volusia County; Seminole County is highest at $85,761 and Putnam County lowest at $47,934.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Volusia County | - | $70,044 | $1,467/mo | 74% |
| Seminole County, FL | 25 mi | $85,761 | $1,783/mo | 66% |
| Flagler County, FL | 30 mi | $77,363 | $1,722/mo | 83% |
| Orange County, FL | 39 mi | $79,719 | $1,775/mo | 57% |
| Lake County, FL | 39 mi | $73,161 | $1,586/mo | 78% |
| Putnam County, FL | 51 mi | $47,934 | $906/mo | 75% |
| Marion County, FL | 54 mi | $61,010 | $1,277/mo | 77% |
A Volusia County household budget, worked through
Volusia County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $5,837 before taxes
- Median rent: $1,467, or 25 cents of every gross dollar
- $634: what a 36% ratio leaves once rent is paid
Two-income households and single earners in Volusia County land in very different places on this math, so run it for your own budget.
Local borrowing considerations for Volusia County
The county's numbers point to a few situations that come up often for Volusia County borrowers.
- Hospital bills in Volusia County. For the 10% of residents without coverage, the provider's charity-care program comes before any loan (details).
- Long drives. With 18% of commutes over 45 minutes, tires and repairs are fixed costs in many Volusia County budgets.
- Benefit income. With half of residents older than 46, lenders often see pension and Social Security income, which counts like wages.
- Rent squeeze. 58% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
Volusia County residents: age, schooling, coverage
College graduates make up 28% of the adult population. 10.2% of residents have no health coverage.
| Indicator | Volusia County | All of Florida | U.S. county median |
|---|---|---|---|
| Median age | 46.5 | 42.6 | 41.5 |
| Bachelor's or higher | 28.4% | 34.1% | 22.2% |
| No high school diploma | 7.9% | 10.1% | n/a |
| No health insurance | 10.2% | 11.5% | 7.8% |
| No vehicle | 5.3% | 6.0% | 5.4% |
| Work from home | 14.4% | 15.7% | 8.7% |
| Poverty rate | 11.8% | 12.6% | 13.2% |
| Unemployment (ACS) | 4.1% | 4.8% | 4.4% |
| One-way commute | Share of Volusia County workers |
|---|---|
| Under 15 min | 24.5% |
| 15 to 29 min | 37.6% |
| 30 to 44 min | 19.7% |
| 45 to 59 min | 7.8% |
| 60+ min | 10.4% |
Before you sign
Four checks before you sign anything:
- Know the exact dollar figure you need before talking to a lender.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Florida borrowers.
- Ask about early-payoff penalties.
Florida rules that apply in Volusia County
The Florida Office of Financial Regulation is the place to verify any lender's Florida license. Federal complaints: consumerfinance.gov. Statewide data and rules: Florida guide.
Related local guides
City guides inside Volusia County, and the statewide guide:
Frequently asked questions
How much do households in Volusia County earn?
The median is $70,044; 32% earn $100,000 or more and 23% under $35,000. A lender uses your own documented income, not this figure.
How much is rent in Volusia County?
Median gross rent, utilities included, is $1,467 a month; 58% of renters spend 30% or more of income on it.
I own my home in Volusia County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 74% of homes owner-occupied here, many readers can compare both in writing.
What are the biggest places in Volusia County?
By population: Deltona, Daytona Beach, Port Orange, Ormond Beach, DeLand. The county has 24 Census places in all.
Does living in Volusia County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Volusia County resident as anyone. Lenders decide under fair-lending law.