Palm Coast, FL

Palm Coast, FL has a safety score of 76/100, meaning crime rates run about 4% below the national average. The report labels overall public safety as “Good.” That score is designed so roughly the low-70s tracks a U.S. average crime load — higher numbers generally mean less crime pressure, and lower numbers mean you should ask more questions about specific streets, lighting, and night activity.

Looking under the hood, Palm Coast currently shows a violent crime index of 32/100, a property crime index of 41/100. Violent and property crime do not always move together, which is why a “pretty safe” city can still have frustrating car-break-in pockets, and a higher-crime city can still have calm residential streets. If you are relocating with teenagers or late-night commutes, weigh night conditions as carefully as the composite score. Night safety in this report is marked Moderate.

People googling “Is Palm Coast FL Safe?” usually want a yes or no. The better framing is whether the score matches your risk tolerance. Households coming from very low-crime suburbs often notice even average U.S. cities more than people leaving denser metros. Use the 76/100 figure as a filter, then confirm with a few evenings on the ground before you commit to a lease in Palm Coast.

Families researching schools will find Palm Coast Fl Elementary rated 7/10 for elementary, along with Palm Coast Fl Middle School rated 7/10 for middle school and Palm Coast Fl High School rated 8/10 for high school. Those campus ratings sit on a 10-point scale in this report, so a 7/10 is solidly middle-of-the-pack rather than a crisis, and a 9/10 is a standout you should still verify with current district boundaries.

Overall, schools in Palm Coast FL grade out around B+ (Top 35% statewide). Reported student-teacher staffing is about 16:1. Recent context from the report: Modeled district estimate from public data. Parents moving in from another state should confirm enrollment documents, immunization rules, and whether Palm Coast uses lotteries or neighborhood assignment — those process details affect waitlists as much as the rating on a campus.

If schools are a deal-breaker, do not stop at the city headline. Request the exact elementary, middle, and high school for the address you want, then sit in a pickup line or a Friday football game if you can. Ratings in Palm Coast are a screening tool. The daily experience — class size, special-education capacity, after-school care — is what you actually move for.

Cost of living in Palm Coast FL is easiest to grasp from housing. A practical rent estimate in this report is $1,782 per month, while typical home values sit near $350,800. Rent context: ACS 2022 median gross rent $1,782/mo. Home-value context: ACS 2022 median home value $350,800. Those figures are city-scale: a renovated bungalow near jobs will price differently than a farther-out three-bedroom, so use them as a budget anchor rather than a listing promise.

Beyond the rent line, Palm Coast currently reflects median household income around $77,350; property tax near 1.45% of assessed value; about $215 per square foot; homes typically lingering around 28 days on market; recent appreciation on the order of 14.2% over the modeled window; a housing mix of roughly 82% owners and 18% renters. Income versus rent is the gut-check: if your household is well above the local median, Palm Coast FL will feel easier; if you are stretching to the rent estimate, leave room for utilities, insurance, and the inevitable first-month overlap of two households.

Daily costs are not only rent. Walk Score in this report is 68 (Somewhat Walkable), and transit scores around 42 — Some Transit. If you can drop a second car because more of Palm Coast is errand-friendly, that savings can dwarf a $100 swing in monthly rent. If you will drive everywhere, add fuel, parking, and insurance before you call the cost of living in Palm Coast FL “doable.”

Weather in Palm Coast FL recently averages around 84°F in the modeled window, with typical highs near 94°F and lows near 74°F. That reads as a hot climate compared with a 70°F comfort baseline, which matters for utility bills as much as weekend plans. People moving from colder metros often underestimate cooling costs in Palm Coast; people moving from hotter ones notice the milder weeks first.

Environmental indices for Palm Coast currently include weather hazard index 83 (100 = avg); wind hazard index 57 (100 = avg); tornado index —; earthquake index —. The area’s environmental read is “Quiet.” Indexes around 100 track a typical U.S. load, so a number well above that is a prompt to price insurance deductibles and backup power, not a reason to panic. Ask your insurer how Palm Coast FL wind, hail, or flood rules would change a premium versus where you live now.

If outdoor life is part of why you want Palm Coast FL, visit in the least flattering season you can. A January ice event or an August heat week tells you more about living in Palm Coast than a perfect Saturday. Pack that reality into the cost-of-living math: higher bills, different hobbies, and occasionally a delayed closing or school-year weather day.

So should you move to Palm Coast FL? If the safety score, school ratings, and $1,782 rent estimate line up with your budget and risk tolerance, Palm Coast is worth a serious visit — not just a weekend of restaurants. Bring a weekday morning and a weeknight so you see traffic, school pickup, and noise, not only the brochure version of living in Palm Coast FL.

If any one pillar is a mismatch — schools that sit below what your kids need, rent that consumes too much of income — treat that as a signal to compare other cities rather than talking yourself into it. The point of this snapshot of living in Palm Coast FL is to surface those tradeoffs in plain language, using the same report values shown in the dashboard above.