Ormond-by-the-Sea, FL
The cost of living in Ormond-by-the-Sea, FL is 3% above the national average (Cost Index: 103). Homes here are typically valued around $350,900, compared to the $303,400 national median. The median household income is $67,389 — overall, living costs and earnings are reasonably balanced in this area.
Ormond-by-the-Sea already reads as a high-pressure housing market, with 24% rent burden, 5.2x home-price-to-income, and a housing index of 116. Treat this page as a stress test for rent, mortgage, and tax burden before assuming the move works.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI
Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Ormond-by-the-Sea.
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.
Ormond-by-the-Sea Mortgage Calculator
Pre-filled with the local median home value of $350,900 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.
Property Tax in Ormond-by-the-Sea, FL
Florida Place Tax Context
Compare Ormond-by-the-Sea 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.
Cost Index Comparison (100 = National Avg)
FAQ: Living in Ormond-by-the-Sea
What is the cost of living like in Ormond-by-the-Sea, FL?+
Living costs in Ormond-by-the-Sea land close to the national average, with a Cost Index of 103 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $350,900, and typical monthly rents run around $1,370. Groceries and utilities are slightly below what you would find in most US cities.
How does Ormond-by-the-Sea fit a household housing budget?+
Start with housing. Typical monthly rent is $1,370, while local median household income is $67,389. That implies a rent-burden proxy of about 24% 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 Ormond-by-the-Sea, 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 $350,900, that translates to roughly $3,018 per year in property taxes. Sales tax (state + local) averages around 7.01% on everyday purchases.
How much does it cost to rent in Ormond-by-the-Sea, FL?+
The typical monthly rent in Ormond-by-the-Sea is around $1,370. That's close to the $1,348 national median. For comparison, the median home value here is $350,900, so buyers should also factor in mortgage payments, property taxes, and insurance.
How much does a house cost in Ormond-by-the-Sea, FL?+
The median home in Ormond-by-the-Sea is valued at $350,900. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,774/month for principal and interest alone — before property taxes and insurance. About 83% of residents here own their homes.
Are groceries and utilities expensive in Ormond-by-the-Sea?+
Grocery prices in Ormond-by-the-Sea 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 Ormond-by-the-Sea, FL like to live in?+
Ormond-by-the-Sea is a small town with a population of about 6,962. The median age of residents is 61.8, skewing somewhat older — common in established suburban communities. The local poverty rate is 10.4%, near the national average of 12.4%.
Lower-Pressure Alternatives in Florida
If Ormond-by-the-Sea 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 Ormond-by-the-Sea against tougher same-state markets before deciding whether the current city is already a stretch.
- 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)