If you’ve been wondering is Palm Coast, Florida a good place to retire, the answer is quickly becoming clear—yes. The news is spreading that Palm Coast is one of the new go-to destinations for people 55 and up. Not only do you get to enjoy the incredible benefits of living in Florida, such as no state income tax and year-round sunshine, but you’ll also find yourself surrounded by breathtaking views and a wide variety of housing options.
Here are six reasons to consider Palm Coast if you’re thinking about making the move to the Sunshine State.
Why Palm Coast’s Location Makes It a Top Retirement Destination
Palm Coast is located along the Intracoastal Waterway, a 1,088-mile stretch of water that connects rivers, canals, and sounds. This is the perfect place to launch small boats, as well as view wildlife such as dolphins, fish, and birds like pelicans, eagles, and ospreys.
You also have the Atlantic Ocean to the east. You can enjoy long walks on the beach, swim, fish, or spend time in the sun as you lie out in the sand. Buying a house with water views will be more expensive, but it will be worth it when you wake up to see stunning sunrises over the waves. Even if you don’t have a view of the ocean or Intracoastal Waterway, you’ll still be within a short distance of both, so you’ll have lots of choices about how you’ll spend your days.
If you’re a frequent traveler or have family coming in, it’s easy to handle thanks to the close proximity to several airports. Daytona Beach International Airport is just 35 minutes away, while the Jacksonville Airport is only one hour away. Orlando Airport is a little farther, with a drive time of one and a half hours.
It’s important to note that it’s easy to mix up Palm Beach, Florida, and Palm Coast, Florida. These are two different cities, but it’s all too simple to mistake one for the other when searching for homes online. The two cities are approximately three and a half hours apart, so be careful when searching for Palm Coast.
The History of Palm Coast: From Swampland to Retirement Haven
Palm Coast is actually a rather recent development compared to other towns and cities in the US. In fact, it’s only approximately 55 years old. Palm Coast History reports Palm Coast was once part agricultural land, part forest, and part swamps. ITT saw the appeal as more people began to move to Florida, and chose to develop the land in 1969 after purchasing it. People began to move into Palm Coast in 1972, and since then, it’s begun to slowly grow in appeal as golf courses and marinas were constructed. In 1999, Palm Coast, Florida officially became a city.
Palm Coast may be a relatively young city, but it’s surrounded by a rich tapestry of Florida’s past, from plantations and pioneer homesteads to botanical gardens and preserved estates. Whether you enjoy interactive museum visits, enjoyable nature walks with history, or current research, there’s something nearby to explore.
What to Expect From the Weather in Palm Coast
The weather in Palm Coast is much what you’d expect from a Florida city—warm, sunny, and perfect for enjoying the outdoors most of the year. According to Weather Spark, summer is the longest season, often stretching well into fall, with plenty of heat and occasional cloudy days. Winters are short and mild, with very little chance of snow.
That said, history shows it’s not entirely impossible. In 1977, Jacksonville.com reported that South Florida experienced a brief snowfall caused by an Arctic cold front. Since Palm Coast is farther north, the odds of snow are slightly higher—but still extremely rare. Don’t plan on a white Christmas in Palm Coast; it’s more of a once-in-a-lifetime event than a seasonal expectation.
For many visitors, the best time to explore Palm Coast is in October and November, when the weather begins to cool, but it’s still warm enough to enjoy the beaches, the Intracoastal Waterway, and plenty of outdoor activities without the peak summer heat.
The Cost of Living in Palm Coast for Retirees
Like most coastal cities, living in Palm Coast comes with a price tag influenced by its location, beaches, and lifestyle amenities. However, compared to many other Florida destinations, Palm Coast remains relatively affordable. According to Best Places, the overall cost of living here is 1.3% lower than the U.S. average and 4.3% lower than the Florida state average.
In practical terms, a single person can expect to spend about $3,800 per month—or roughly $45,600 per year—to live in Palm Coast. For families, those costs rise to around $5,550 per month, or about $66,600 annually.
According to 55places.com data, the median price of a home in a 55+ community in the Daytona Beach Area is $434,500. Being a little less than an hour north of this popular Florida destination, home prices in 55+ communities near Palm Coast most likely trend a little lower.
The Best Things to Do in Palm Coast for Active Adults
In Palm Coast, Florida, boredom is never an option. The area offers a wide variety of activities that appeal to both residents and visitors, whether you’re looking for outdoor adventures, cultural experiences, or simple relaxation.
A must-see is Washington Oaks Gardens State Park, where you can wander through beautifully maintained gardens with views of the Atlantic Ocean and the Matanzas River. The park is also home to striking coquina rock formations that make the shoreline unlike any other in Florida. Open every day of the year and charging admission by vehicle rather than per person, it’s an affordable outing for families or groups of friends.
For a completely different experience, head to the European Village, located just 30 to 40 minutes from Palm Coast. This unique destination recreates the charm of a European town, complete with shops, dining, and entertainment, offering a taste of another continent without leaving Florida.
Beyond these highlights, Palm Coast also provides plenty of ways to stay active and entertained. From golfing, fishing, and shopping to exploring local museums, the city offers something for every interest and lifestyle.
Exploring 55+ Communities in Palm Coast, Florida
There’s a wide range of 55+ communities to choose from near Palm Coast, Florida. For example, Grand Haven offers homes from around the low $300ks to low $1Ms. It’s a gated community with several amenities such as a fitness center, ballroom, sauna, day spa, and multipurpose room.
A more budget friendly option is Freedom at Sawmill Branch. Homes here cost on average from the high $200ks to high $300ks. It’s located on Interstate 95, and offers a range of single family homes. You can enjoy your days by the pool, or workout in the fitness center.
These are just a few of the local 55+ communities to choose from. There are many more that offer a wide range of amenities.
How to Retire in Palm Coast, Florida: Taking the Next Step
If Palm Coast, Florida sounds like a dream come true, it’s time to take the next step by contacting 55places.com. We’re experts in the 55+ homebuying experience, and we’ll connect you with a local real estate expert to make your journey as smooth as possible. Reach out today to get started!
Palm Coast, Florida FAQ
1. How far is Palm Coast from the beach?
Palm Coast sits along the Intracoastal Waterway and is just minutes from Atlantic Ocean beaches like Flagler Beach and Hammock Beach.
2. What is the cost of living in Palm Coast?
Palm Coast’s cost of living is about 1% to 4% lower than both the national and state averages, making it more affordable than many coastal Florida cities.
3. How much do homes cost in Palm Coast, Florida?
Median home prices in 55+ communities are typically in the $300ks to $400ks, with budget-friendly and luxury options available.
4. Are there 55+ communities in Palm Coast?
Yes. Popular active adult neighborhoods include Grand Haven and Freedom at Sawmill Branch, along with several other communities offering resort-style amenities.
5. Is Palm Coast the same as Palm Beach?
No. Palm Coast and Palm Beach are completely different cities, separated by about 3.5 hours of driving. Palm Coast is located north of Daytona Beach.
6. What is the weather like in Palm Coast, Florida?
Palm Coast has warm, humid summers and mild winters. Snow is extremely rare, though cooler temperatures can occur in winter months.
7. Does Palm Coast get hurricanes?
Yes, like most of Florida, Palm Coast can be affected by hurricanes. However, being slightly inland helps reduce the impact compared to barrier islands.
8. What are the best things to do in Palm Coast?
Retirees enjoy Washington Oaks Gardens State Park, European Village, golf, boating, fishing, and cultural events throughout the area.
9. Is Palm Coast affordable compared to other Florida beach towns?
Yes. Palm Coast is generally more affordable than nearby destinations like St. Augustine, Daytona Beach, or Palm Beach.
10. Why are retirees moving to Palm Coast?
Retirees are drawn to Palm Coast for its affordability, tax-friendly environment, coastal beauty, proximity to major cities, and abundance of 55+ communities.
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