Palm Coast : Florida


What It Is Like to Retire in Palm Coast

The City of Palm Coast is an enormous planned community of more than 77,000 located on Florida’s northeast coast, equidistant from the large cities of Jacksonville and Orlando. Many of its residents are active adults using it as a retirement community. Palm Coast is one of the more interesting hybrid communities in existence. Planned originally by ITT in 1969 as a huge development, the community is now incorporated as a City, with a traditional form of city government. Palm Coast Beach is located in Flagler County.

The City of Palm Coast is the 4th fastest growing “micropolis” in the Southeastern United States -it grew 136% from 2000 to 2012. Fortunately it seems to have a plan to control and direct its growth. Unlike most cities this one has a vision statement that it expressed in its comprehensive plan. Some of what Palm Coast strives to be is to offer exceptional quality of life, attractive job opportunities, diversified housing, and superbly designed commercial areas, valued natural, recreational, and cultural resources, exemplary public facilities and services, and responsible growth and fiscal planning. What it lacks is a town center. Although there are bike paths, the community is so large it would be difficult to go very far on a bike.

Find out about more about what it is like to retire in Florida or nearby Jacksonville.


Where to Retire in Palm Coast and Home Prices

Palm Coast gives people the chance to live in a new and interesting planned development. They can choose from a variety of housing alternatives, from active communities to stand along houses.

The median price of a home slumped in the 2008 recession, but has come back since. In late 2021 the median home value was $311,249, according to Zillow. Many desirable rental apartments are available for less than $1000 per month. Homes on the water will be more.


What Is Special about Palm Coast

A master planning document; Intracoastal waterway; Many residential options for retirees; Many community parks, nature preserves, and state parks; Palm Harbor Shopping Center; Frieda Zamba Swimming Pool; 8 championship golf courses; Indian Trails Sports Complex (164 acres).


What Is Not Special about Palm Coast

Hurricane season. This community might be too big and too busy for many people. On a recent visit there was a lot of traffic on the central arteries. There is also no real town center - there are shopping malls and plazas, but no real community center.

Palm Coast is not really a retirement community, it was intended to be that way but that has changed. The community is planning a new grade school each year for the next several years and has 3 high schools with another in the works.


Who Will Like Retirement in Palm Coast

Palm Coast attracts a community of retirees who want to live in a planned community with mild winters. The planned communities generally offer plenty of recreation. Average age is 45.  But this is an all ages community with children and schools.


Local Economy Is Driven by

Construction, retail, services, and real estate are important to the economy. There are more than 30 mid to large size businesses in industrial parks here as part of the community’s economic development plan.

Economy has drivin small companies out, construction at a standstill , employment mostly min wage service type, unemployment highest in the state !5% at the moment. 


Climate and Physical Environment

Palm Coast is in the northern portion of the east coast of Florida. The intracostal waterway and many canals run through the area. Most areas less than 6 miles to ocean.  Very hot and humid for long periods but a very pretty area.

Restaurants & Cultural Scene

Palm Coast is a large community and there are some cultural events available. However your choice of independent restaurants is going to be slim. For culture you will probably want to head to nearby Jacksonville, which has many venues to choose from.



Crime in Palm Coast is relatively low.

Medical Facilities

Memorial Hospital Flagler Sw is 9 miles away in Bunnell, but for more serious situations the big hospitals in Jacksonville will be where you will go.



Daytona Beach International Airport (29 miles). St. Augustine (30 miles)

Valuable Links

Palm Coast Chamber of Commerce

What people are saying about Palm Coast

Palm Coast Living
My parents lived in nearby Flagler Beach since 1972, and before that in 1946-1949, so I have been going there and to Palm Coast for the last 50 years. I am about to build a house in Flagler Beach so I am committed to the area. To answer you question about Palm Coast, Palm Coast has everything you might want in terms of stores, restaurants and ammenities, but with that comes crowds and traffic. Certainly not like Long Island, NY, which is where I am currently, but not something I want to deal with in my retirement years. The developments are gorgeous, as are the homes in them, but there is that sticky maintenance that comes with it. I almost bought in Grand Haven because it is so appealing, but maintenance and taxes are too much for me. If you are affluent and love the golf course and club house that a gated community offers,that is not a problem and you will enjoy it. Housing outside of the gated communities can be incredibly affordable, but there are good and poor neighborhoods. Ask around a lot before you buy. You may want to subscribe to Toby, who writes about the area every week and gives accurate reports on the housing costs and values, the taxes, and all the goings on in Palm Coast. My sister is a banker in Palm Coast and loves that she goes home to Flagler Beach instead of Palm Coast. It is one of the last beach communities that is not over developed. No high rise hotels at all; the beach is lightly populated on any given day; it is accessible to all nearby towns with all the stores and restaurants, including St. Augustine, Daytona Beach, and Orlando within an hour and a half. Best of all, the taxes are low. However, it is coastal living and the sea air and salt will take its toll on anything metal - A/C, car, outdoor furniture. When I drive up to A1A to look at the ocean, none of that matters to me. The beach is close from Palm Coast, but you will have to drive there. If the beach is the last thing you like about Florida, then Palm Coast will be great. Palm Coast is a city - I suggest you go there and hang out for a week or so and get the feel of it. The people are all from up north including Michigan and will gladly tell you how they like it there. The SOP is friendly, casual and relaxed. You can't beat that!
Posted by lindarmc1 on February 24, 2012
What's it like to live in Palm Coast, FL?
I have been researching Palm Coast now for almost a year...have noticed the real estate is affordable and the area is close to the ocean. My husband and I are anxious to take a look at this area hopefully in the near future. Any info would be appreciated -- currently living in Michigan. Thanks :!: :)
Posted by cdault on February 23, 2012

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