Palm Coast, FL demographics:
population, income, and more

Total population
98,258
4.1% year-over-year change
Median household income
$77,350/yr
7.7% year-over-year change
Housing units
44,254
4.2% year-over-year change

Palm Coast population

How many people live in Palm Coast

Palm Coast is home to 98,258 residents, according to the most recent Census data. Gender-wise, 48.2% of Palm Coast locals are male, and 51.8% are female.

Total population
98,258
4.1% year-over-year change
Gender ratio
Male
48.2%
47,377
Female
51.8%
50,881
Value Percent YoY change
Male 47,377 48.2% 3.9%
Female 50,881 51.8% 4.3%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Palm Coast is 50, with the population distributed as follows: about 13.6% are children under 15, then 9.9% are in the 15 to 24 age group. Adults between 25 and 44 make up 20.4% of the population, while another 26.6% fall into the 45 to 64 bracket. Finally, around 29.5% are 65 or older.

Median age
50.4
Age breakdown
Under 15
13.6%
15 to 24
9.9%
25 to 44
20.4%
45 to 64
26.6%
Over 65
29.5%
Value Percent YoY change
Under 15 13,398 13.6% 4.9%
15 to 24 9,690 9.9% 3.6%
25 to 44 20,088 20.4% 6.1%
45 to 64 26,105 26.6% 3.9%
Over 65 28,977 29.5% 2.8%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Palm Coast, 82.4% of the population are US-born citizens, while 13.5% have gained naturalized citizenship. At the same time, 4.1% of residents are non-citizens. As for race, 71.3% of locals are Caucasian, 10.6% are African American and 2.6% have Asian roots. There’s also a share of 10.3% that includes residents with two or more races.

Citizenship
U.S.-born citizens
82.4%
Non-U.S.-born citizens
13.5%
Non-citizens
4.1%
Value Percent YoY change
U.S.-born citizens 80,973 82.4% 4.6%
Non-U.S.-born citizens 13,282 13.5% 3.7%
Non-citizens 4,003 4.1% -4.0%
Racial breakdown
White
71.3%
Black or African American
10.6%
American Indian and Alaska Native
0%
Asian
2.6%
Native Hawaiian and other Pacific Islander
0%
Two or more races
10.3%
Other
5.2%
Value Percent
White 70,017 71.3%
Black or African American 10,446 10.6%
American Indian and Alaska Native 52 0%
Asian 2,530 2.6%
Two or more races 10,092 10.3%
Other 5,121 5.2%

Households in Palm Coast

A peek inside Palm Coast households

Palm Coast has 39,807 households, with an average of 2 members in each. Of these, 71.4% are families, while the remaining 28.6% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
39,807
4.0% year-over-year change
Average people per household
2
Non-family households
11,386
Family households
28,421
Value Percent YoY change
Non-family households 11,386 28.6% 9.3%
Family households 28,421 71.4% 2.1%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Palm Coast

The housing landscape of Palm Coast

Palm Coast's housing consists of 44,254 units, with 86.6% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 4.6% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 0.3% of the housing landscape.

Housing units
44,254
4.2% year-over-year change
Housing types
Value Percent
1 unit, detached 38,315 86.6%
1 unit, attached 2,048 4.6%
2 units 950 2.2%
3 or 4 units 499 1.1%
5 to 9 units 404 0.9%
10 to 19 units 511 1.2%
20 to 49 units 498 1.1%
50 or more units 904 2%
Mobile home 125 0.3%
Homes built since 2020
2,537
102.5% year-over-year change

The age of buildings in Palm Coast

In Palm Coast, the median construction year is 2003. About 0.5% of homes were built before the 1940s, with another 0.1% going up by 1949. Most development happened in the second half of the 20th century. Then, 42.5% of homes were added from 2000 to 2009, 12.6% between 2010 and 2019, and 5.7% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 208 0.5% 25.3%
Built between 1940 and 1949 47 0.1% 95.8%
Built between 1950 and 1959 143 0.3% -21.9%
Built between 1960 and 1969 101 0.2% -18.6%
Built between 1970 and 1979 2,289 5.2% -9.7%
Built between 1980 and 1989 6,693 15.1% 2.2%
Built between 1990 and 1999 7,860 17.8% -7.3%
Built between 2000 and 2009 18,793 42.5% 2.1%
Built between 2010 and 2019 5,583 12.6% 17.5%
Built in 2020 or later 2,537 5.7% 102.5%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Palm Coast occupancy rates

Out of the 39,807 occupied housing units in Palm Coast, 81.9% are owner-occupied, while 18.1% are lived in by tenants. Meanwhile, 10% of all homes on the local market sit vacant.

Occupied housing units
39,807
4.0% year-over-year change
Occupancy breakdown
Renter occupied
7,221
Owner occupied
32,586
Value Percent YoY
change
Renter occupied 7,221 18.1% -5.4%
Owner occupied 32,586 81.9% 6.4%
Unoccupied housing units
10.0%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Palm Coast housing costs

Housing costs in Palm Coast come to a median of $1,432 per month, while tenants specifically pay a median gross rent of $1,782.

Median housing costs per month
$1,432/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Palm Coast
$1,782/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Palm Coast

Palm Coast education at a glance

About 34% of the population in Palm Coast went to high school, while 24.3% pursued college studies. Another 10.6% earned an associate degree and 19.2% hold a bachelor’s. Meanwhile, 8.9% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 2,499 3.1% 9.0%
High school diploma 27,685 34% 0.1%
College diploma 19,789 24.3% 3.2%
Associate degree 8,603 10.6% 9.4%
Bachelor's degree 15,642 19.2% 5.2%
Graduate degree 7,212 8.9% 13.3%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Palm Coast

How much people earn in Palm Coast

The average annual household income in Palm Coast was $101,395 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +6.5% change from the previous year. At the same time, the median income stood at $77,350, reflecting a +7.7% shift over the same period.

Average household income in Palm Coast
$101,395/year
6.5% year-over-year change
Median household income in Palm Coast
$77,350/year
7.7% year-over-year change

Palm Coast income by age

In Palm Coast, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $87,365. Those with someone between 45 and 64 in charge, often well established professionally, earn $95,296 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $92,520, while those led by someone over 65, many of whom may be retired, have about $61,697 in earnings. Overall, 89.6% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $92,520 93.7%
25 - 44 $87,365 11.9%
45 - 64 $95,296 7.8%
Over 65 $61,697 5.5%
Above poverty level
86,799
Below poverty level
10,092
Value Percent YoY
change
Above poverty level 86,799 89.6% 3.0%
Below poverty level 10,092 10.4% 13.7%

Average renter income in Palm Coast

To get a better sense of what renters earn on average in Palm Coast, their median household income was $56,138 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 38.1%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$56,138
Rent-to-income ratio
38.1%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Palm Coast

Workforce and job types in Palm Coast

The job market in Palm Coast is powered by 40,779 working residents, spread across a range of industries and roles. 78.7% of the working population are employed in professional or administrative positions, while 21.3% are in hands-on or service-based jobs. Also, 13.2% run their own businesses, 64.8% are employed by private companies, and 13.8% work in the public sector.

Workforce demographics

Working population
40,779
3.1% year-over-year change
White collar
32,105
Blue collar
8,674
Value Percent YoY change
White collar 32,105 78.7% 4.4%
Blue collar 8,674 21.3% -1.6%
Employer type
Self employees
13.2%
Private companies
64.8%
Governmental workers
13.8%
Not for profit companies
8.2%
Value Percent YoY change
Self employees 5,371 13.2% 3.2%
Private companies 26,437 64.8% 0.6%
Governmental workers 5,641 13.8% 11.6%
Not for profit companies 3,330 8.2% 9.9%
Unemployment rate
4.5%
22.5% year-over-year change

Available workforce

The unemployment rate in Palm Coast stands at 4.5%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Palm Coast

How people get around in Palm Coast

Commuting methods vary: 79.4% of residents travel by personal vehicle and 0.5% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 31,659 79.4% -0.4%
Taxicab 107 0.3% 94.5%
Bus or trolleybus 143 0.4% 43.0%
Subway or elevated 22 0.1% N/A
Motorcycle 82 0.2% 26.1%
Bicycle 106 0.3% -9.4%
Walk 193 0.5% 18.4%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Palm Coast by zipcode?

Zipcode Population Number of households Median income Average income
32137 48,391 20,882 $83,923 $116,764
32164 56,658 22,363 $76,399 $98,479

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FAQs about Palm Coast demographics 

What is the total population of Palm Coast?

Palm Coast has a total population of 98,258 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +4.1% compared to a year ago.

What is the gender ratio in Palm Coast?

The gender ratio in Palm Coast is as follows:
  • 48.2% males (47,377 residents)
  • 51.8% females (50,881 residents)

What is the median age in Palm Coast?

The median age in Palm Coast is 50.4.

What is the age distribution of the population in Palm Coast?

The age distribution in Palm Coast is as follows:
  • Under 15: 13.6% (13,398 residents)
  • Ages 15-24: 9.9% (9,690 residents)
  • Ages 25-44: 20.4% (20,088 residents)
  • Ages 45-64: 26.6% (26,105 residents)
  • Over 65: 29.5% (28,977 residents)

What is the racial and ethnic makeup of Palm Coast?

The racial and ethnic makeup of Palm Coast is as follows:
  • White: 71.3% (70,017 residents)
  • Black or African American: 10.6% (10,446 residents)
  • American Indian and Alaska Native: 0% (52 residents)
  • Asian: 2.6% (2,530 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 10.3% (10,092 residents)
  • Other: 5.2% (5,121 residents)

What percentage of the population in Palm Coast are U.S.-born citizens?

U.S.-born citizens represent 82.4% of the population in Palm Coast.

How many housing units are there in Palm Coast?

There are 44,254 housing units in Palm Coast, reflecting a +4.2% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Palm Coast and what is the average household size?

Palm Coast has a total of 39,807 households, with an average of 2 people in each.

What is the median household income in Palm Coast?

Palm Coast has a median household income of $77,350, representing a +7.7% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Palm Coast?

The employment rate is 95.5% in Palm Coast, with a workforce of 40,779 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 78.7% (32,105 residents)
  • Blue-collar workers: 21.3% (8,674 residents)

Places of employment:
  • Self-employed: 13.2% (5,371 residents)
  • Private companies: 64.8% (26,437 residents)
  • Governmental workers: 13.8% (5,641 residents)
  • Not-for-profit companies: 8.2% (3,330 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025