The median home in New Smyrna Beach, Florida is valued at $442,727, down 2.7% year over year. Typical monthly rent is $2,296, producing a price-to-rent ratio of 16.1x — near the national average of 18x. New Smyrna Beach is part of the Deltona-Daytona Beach-Ormond Beach, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Deltona-Daytona Beach-Ormond Beach, FL stress score, crash risk, and 12-month forecast →

Home Value$442,727

-2.7%

Rent$2,296/mo

AFFORDABILITY

Enter your income for New Smyrna Beach.

Income (annual)

Down Payment

$88,545 on $442,727

Out of reach — 46.5% of income

Need $124,543/yr to afford.

PITI$2,906

P/I46.5%

Afford$267K

Gap-$176K

P&I $2,239Tax $317Ins $350

Renting $610/mo cheaper ($2,296 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare New Smyrna Beach with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Deltona-Daytona Beach-Ormond Beach, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Deltona-Daytona Beach-Ormond Beach, FL metro.

View Deltona-Daytona Beach-Ormond Beach, FL metro →

NEW SMYRNA BEACH, FL