Home Insurance Estimator for Daytona Beach, FL
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within Florida, driven by weather risks, construction costs, and local claims history. The median home value in Daytona Beach is $295,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Daytona Beach local data
How Daytona Beach Compares to the National Average
Understanding how Daytona Beach stacks up helps you calibrate your financial planning.
| Metric | Daytona Beach, FL | US Average | Difference |
|---|---|---|---|
| Median Home Price | $295,000 | $420,800 | -29.9% |
| Median Monthly Rent | $1,350 | $1,713 | -21.2% |
| Median Household Income | $52,400 | $74,580 | -29.7% |
| Property Tax Rate | 0.91% | 1.10% | -17.3% |
| Cost of Living Index | 97 | 100 | -3.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Daytona Beach Financial Snapshot
- Population (Metro)
- 630,000
- Unemployment
- 3.7%
- Avg Commute
- 26 min
- Median Age
- 43.5
- Price-to-Rent Ratio
- 18.2x
- Annual Property Tax
- $2,685
Home Insurance Estimator in Other Florida Cities
Frequently Asked Questions — Daytona Beach
What is the median home price in Daytona Beach, FL?
The median home price in Daytona Beach is $295,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Daytona Beach?
Median monthly rent in Daytona Beach is $1,350. That works out to $16,200/year, or 31% of the median household income — above the recommended 30% threshold.
Is Daytona Beach affordable?
Daytona Beach's cost of living index is 97 vs. the national average of 100. With a median household income of $52,400/year and a median home price of $295,000, the price-to-income ratio is 5.6x. Daytona Beach falls in the middle of the affordability spectrum for US cities.
What is the property tax rate in Daytona Beach?
The effective property tax rate in Daytona Beach is 0.91% of assessed value. On the median home of $295,000, that's roughly $2,685/year ($224/month).