Cost of Living in Flagler County, Florida
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Flagler County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Flagler County ranks #2,041 of 3,144 counties for affordability (bottom 35%)
Data Story
About Cost of Living in Flagler County, Florida
Flagler rents eat into incomes
Flagler County residents spend 27.8% of income on rent, significantly above the national norm where housing should consume no more than 28% of gross income. The county's rent-to-income ratio pushes renters into affordability strain compared to the national median household income of $74,755, which is $1,832 higher than Flagler's $72,923.
Above Florida's housing burden
At 27.8%, Flagler's rent-to-income ratio ranks higher than Florida's state average of 22.5%, signaling tighter affordability across the county. Median gross rent here is $1,687 monthly—$454 above the state median—making Flagler one of Florida's pricier rental markets despite moderate incomes.
Flagler vs. nearby counties
Flagler's $1,687 median rent substantially exceeds neighboring Franklin County ($1,044) and Gulf County ($1,161), though it reflects Flagler's slightly higher income base and coastal demand. Among comparable central Florida counties, Flagler occupies the higher end of the rental spectrum, with only a handful of state peers commanding steeper rents.
Where Flagler income goes
Renters in Flagler allocate $1,687 monthly to rent from a median household income of $72,923, consuming 27.8% of earnings before taxes and other expenses. Homeowners fare better, with median monthly owner costs of $1,163 (19.1% of income), reflecting a median home value of $333,400 that appeals to retirees and affluent relocators.
Considering Flagler? Compare wisely
Flagler's coastal charm and retirement appeal come at a rental premium—expect to pay significantly more than inland Florida counties. If you're budget-conscious, neighboring Franklin or Gulf counties offer similar lifestyles at lower housing costs, though Flagler's higher incomes suggest better long-term earning potential.
Cost of Living Advisory: Flagler County
Affordability Verdict
Flagler County offers moderately affordable rental housing at a median of $1,687/month — about 27.8% of the typical household income here.
Rent vs. Own
The median rent in Flagler County is $1,687/month, while owner costs run $1,163/month. Owning saves approximately $524/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $67,480/year. For owner costs at the 28% rule, the required income is roughly $49,843/year. With a median household income of $72,923, most households can comfortably afford rent here. Notably, 35.0% of renter households in Flagler County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Collier County where rent averages $1,752/month, Flagler County is approximately 4% less expensive.
Affordability Calculator
See how your income compares to housing costs in Flagler County
Rent Burden
27.8%
of gross income
Max Housing (28% Rule)
$1,702
per month
Owner Cost Burden
19.1%
of gross income
The median home in Flagler County may be a stretch
Median home value is $333,400. Estimated monthly cost: $2,662 vs. your max of $1,702.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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