LivabilityCalc
Find Your City
City Housing Verdict

DeBary, FL

Stretch

The cost of living in DeBary, FL is 7% above the national average (Cost Index: 107). Homes here are typically valued around $374,116, compared to the $303,400 national median. The median household income is $87,391 — overall, living costs and earnings are reasonably balanced in this area.

DeBary sits in the stretch zone: not impossible, but household feasibility will depend heavily on rent, down payment, debt load, and whether you are renting or buying. Start with the verdict panel, then compare scenarios before treating this city as affordable.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Safe

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for DeBary.

Monthly Housing
$1,479/mo
Lower of rent or buy scenario
Housing Burden
20%
Healthy
Residual Cash
$5,304/mo
After housing and debt · $1,768/person
Rent vs Buy
Renting is the lower-pressure baseline
Main pressure: home prices
Assumptions
Housing Mode
Confidence: MediumHome source: ZILLOWRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 27%
Uses a URL fragment, so it does not create a separate indexed page.
Cost Index
107
Average
Based on housing costs · See methodology
Median Home Value
$374,116
Zillow ZHVI Market Rate • Census ACS: $307,600
National: $303,400
Median Rent
$1,479/mo
Source: Census ACS
National: $1,348/mo
Household Income
$87,391
National: $78,538
Population
22,602
Purchasing Power
104
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
123 / 100
23% above average
Rent Index
110 / 100
10% above average
Goods & Groceries
96 / 100
About the same as most US cities
Utilities
88 / 100
12% lower utility bills
Healthcare & Services
99 / 100
In line with national average
Overall Index
107
Average

DeBary Mortgage Calculator

Pre-filled with the local median home value of $374,116 and Florida's property tax rate of 0.86%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$87,391
Census ACS place context
Rent Burden Estimate
20%
Typical annual rent / local household income
Home Price to Income
4.3x
Typical home value / local household income
Use this section to judge whether DeBary looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in DeBary, FL

Est. Annual Property Tax
$3,217
Monthly Impact
$268
Added to your mortgage
Effective Rate
0.86%
National avg: ~1.00%

Florida Place Tax Context

Tax TypeFloridaNational Avg
Property Tax Rate0.86%1.00%
Top Income Tax RateNo State Income Tax~5.0%
State Sales Tax7.01%~5.0%

Compare DeBary to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

DeBary, FL
107
110
Loading cities...
---
---

Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
DeBary, FL: 123
Rent Prices
110

FAQ: Living in DeBary

What is the cost of living like in DeBary, FL?+

Living costs in DeBary land close to the national average, with a Cost Index of 107 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $374,116, and typical monthly rents run around $1,479. Groceries and utilities are slightly below what you would find in most US cities.

How does DeBary fit a household housing budget?+

Start with housing. Typical monthly rent is $1,479, while local median household income is $87,391. That implies a rent-burden proxy of about 20% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in DeBary, FL?+

Florida is one of the few states with no state income tax, which can save residents thousands of dollars per year. The effective property tax rate is 0.86%. On a home worth $374,116, that translates to roughly $3,217 per year in property taxes. Sales tax (state + local) averages around 7.01% on everyday purchases.

How much does it cost to rent in DeBary, FL?+

The typical monthly rent in DeBary is around $1,479. That's close to the $1,348 national median. For comparison, the median home value here is $374,116, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in DeBary, FL?+

The median home in DeBary is valued at $374,116. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,892/month for principal and interest alone — before property taxes and insurance. About 86% of residents here own their homes.

Are groceries and utilities expensive in DeBary?+

Grocery prices in DeBary are about average compared to the rest of the US (index: 96, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 88). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is DeBary, FL like to live in?+

DeBary is a small town with a population of about 22,602. The median age of residents is 46.4, skewing somewhat older — common in established suburban communities. The local poverty rate is 5.28%, well below the national average of 12.4%.

Lower-Pressure Alternatives in Florida

If DeBary feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Florida

Use these city pages when you want to compare DeBary against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly