Mortgage payment estimates, closing cost breakdowns, and homebuying data for Deltona, Florida.
Median Home Price
$315K
Population
95K
Avg Monthly Rent
$1,420
Property Tax Rate
0.86% *
* Property tax shown is the Florida state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Deltona.
Deltona vs Florida Median
The median home price in Deltona is $315,000, which is 20% below the Florida state median of $395,000.
Mortgage Calculator — Deltona, FL
Pre-filled with Deltona median home price and Florida tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $315K home using Florida's 0.86% tax rate and $4,200/yr insurance.
5% Down
$2,642/mo
Down: $15,750
Loan: $299K
P&I: $1,891
Tax: $226
Insurance: $350
PMI: $175
10% Down
$2,533/mo
Down: $31,500
Loan: $284K
P&I: $1,792
Tax: $226
Insurance: $350
PMI: $165
20% Down (No PMI)
$2,169/mo
Down: $63,000
Loan: $252K
P&I: $1,593
Tax: $226
Insurance: $350
Income needed (28% rule): $93K/year with 20% down, $109K/year with 10% down.
Rent vs Buy in Deltona
Rent
$1,420/mo
vs
Buy (10% down)
$2,533/mo
Price-to-rent ratio: 18.5 — A ratio between 15-20 means the rent vs buy decision in Deltona depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in Deltona is $315,000, 20% below the Florida state median of $395,000. With a population of 95,027, Deltona is a smaller market where home prices tend to be more accessible than in many parts of Florida.
Property taxes in Florida average 0.86% annually. This moderate property tax rate means a $315,000 home in Deltona would carry roughly $226/month in property taxes. Homeowners insurance in Florida runs approximately $4,200 per year. Insurance costs are notably high — factor this into your monthly budget.
Average rent in Deltona is $1,420/month. The price-to-rent ratio in Deltona is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Deltona presents moderate affordability. The $315K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Deltona.