Median home value is about $438,300 — about 26% above the U.S. median home value ($348,079).
Housing tenure and rents show median gross rent around $1,304 (about 12% above the U.S. median rent ($1,163)), and owner-occupancy near 87.6% (about 22.2 points above the national owner-occupancy rate (65.4%)).
To comfortably buy a median-priced home in ZIP 32136 in Flagler Beach, FL, a household would need roughly $121,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,816. That is about 67% above the local median household income ($72,589), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.