Deltona FHA Loan Rates, Closing Costs & Stats

DELTONA-DAYTONA BEACH-ORMOND BEACH, FL

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Deltona's 239 lenders originated 5,962 FHA loans during 2021. The total origination value was $1,315,040,000, with an average FHA loan value of $220,570.

Deltona FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Deltona averaged 6.54% for the week of 2022-12-02, compared to the national average (all FHA variants) of 6.466% for the same period.

Deltona's average FHA mortgage closing costs are $7,502.

The average rate for the prior week (2022-11-25) was 6.36% and one month ago for the week of 2022-10-28, the average rate was 6.6%.

The average rate one year ago was 3.53%.

For refis of the same type during the week of 2022-12-02, the average rate was 6.01%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Deltona FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Deltona level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 545 2.75% $6,572
FREEDOM MORTGAGE CORPORATION 276 2.95% $6,367
UNITED WHOLESALE MORTGAGE, LLC 276 2.80% $7,818
DHI MORTGAGE COMPANY, LTD. 273 2.93% $8,478
FBC MORTGAGE, LLC 198 3.07% $8,781
CALIBER HOME LOANS, INC. 187 2.93% $7,815
CROSSCOUNTRY MORTGAGE, LLC 181 3.31% $8,610
Mortgage Lenders Investment Trading Corporation 181 3.51% $8,183
LAKEVIEW LOAN SERVICING, LLC 142 3.12% $4,610
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 128 3.22% $8,499
HOMEBRIDGE FINANCIAL SERVICES, INC. 125 3.23% $9,307
PENNYMAC LOAN SERVICES, LLC 108 3.15% $5,058
Mr. Cooper ( Nationstar Mortgage ) 107 3.28% $4,953
BROKER SOLUTIONS, INC. 102 3.32% $9,713
THE MORTGAGE FIRM, INC. 95 3.05% $8,552
LOANDEPOT.COM, LLC 92 3.41% $8,944
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 85 3.04% $8,105
MUTUAL OF OMAHA MORTGAGE, INC. 82 3.12% $9,025
Equity Prime Mortgage LLC 81 3.22% $8,822
Carrington Mortgage Services, LLC 68 3.59% $8,863
Paramount Residential Mortgage Group, Inc. 66 3.27% $9,966
HOME POINT FINANCIAL CORPORATION 58 2.78% $7,656
NEWREZ LLC 57 2.97% $5,744
PLANET HOME LENDING, LLC 56 2.79% $4,823
AMERICAN FINANCIAL NETWORK, INC. 56 3.26% $14,258
Lakeview Community Capital, LLC 52 3.17% $4,488
MOVEMENT MORTGAGE, LLC 47 3.24% $8,145
Citizens Bank 46 2.81% $8,141
Plains Commerce Bank 43 2.85% $8,402
First Horizon Bank 38 3.21% $8,944
VILLAGE CAPITAL MORTGAGE 37 2.97% $2,895
Waterstone Mortgage Corporation 36 3.43% $10,080
AmeriHome Mortgage Company, LLC 34 3.02% $4,381
VELOCIO MORTGAGE L.L.C. 31 3.18% $12,010
PARK SQUARE HOME MORTGAGE, LLC 31 2.85% $10,085
Ameris Bank 30 2.85% $8,123
JET HOMELOANS, LLC 29 3.23% $9,628
HAMILTON HOME LOANS, INC. 28 3.47% $8,612
PRIMARY RESIDENTIAL MORTGAGE, INC. 26 3.73% $10,052
CHURCHILL MORTGAGE CORPORATION 25 3.04% $8,333
GUARANTEED RATE, INC. 25 2.97% $9,206
Flagstar Bank, FSB 24 2.81% $8,891
UNION HOME MORTGAGE CORP. 24 3.07% $8,584
Nations Lending Corporation 23 3.33% $8,843
Christensen Financial, Inc. 23 3.17% $9,242
FINANCE OF AMERICA MORTGAGE LLC 23 2.98% $9,099
AMERIFIRST FINANCIAL CORPORATION 22 3.76% $8,828
Hometown Equity Mortgage, LLC 22 3.80% $9,795
Bank of England 22 3.28% $9,589
Commerce Home Mortgage, Inc. 22 3.00% $7,322
ROUNDPOINT MORTGAGE SERVICING CORPORATION 21 3.14% $8,090
Summit Mortgage Corporation 20 3.11% $8,993
PANORAMA MORTGAGE GROUP, LLC 18 3.28% $10,001
MORTGAGE EQUITY PARTNERS LLC 17 3.39% $11,359
Regions Bank 16 2.71% $8,332
AMERICAN PACIFIC MORTGAGE CORPORATION 16 3.18% $9,540
FIDELITY FUNDING MORTGAGE CORP. 15 2.94% $6,768
CMG MORTGAGE, INC. 15 3.48% $9,372
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 14 3.27% $9,102
Bank of America 14 2.83% $4,449
HOMEOWNERS FINANCIAL GROUP USA, LLC 13 3.20% $7,930
PRIMELENDING, A PLAINSCAPITAL COMPANY 13 3.48% $8,776
AMERISAVE MORTGAGE CORPORATION 13 3.22% $9,085
InterContinental Capital Group, Inc 12 2.94% $7,855
Seacoast National Bank 12 2.71% $7,704
LAND HOME FINANCIAL SERVICES, INC. 12 3.39% $10,183
HANCOCK MORTGAGE PARTNERS, LLC 11 3.11% $8,888
SECURITYNATIONAL MORTGAGE COMPANY 11 3.36% $8,673
OCEANSIDE MORTGAGE COMPANY 11 2.86% $3,566
EMBRACE HOME LOANS, INC. 11 3.01% $8,512
Mortgage Research Center, LLC 11 3.10% $7,308
GENEVA FINANCIAL, LLC 11 3.28% $9,592
INSPIRE HOME LOANS INC. 11 3.26% $8,386
Hometown Lenders, Inc. 10 3.51% $10,721
SHELTER MORTGAGE COMPANY, L.L.C. 10 3.09% $9,049
OCMBC, INC. 10 3.35% $9,503
SUCCESS MORTGAGE PARTNERS, INC. 10 3.06% $8,522
ABSOLUTE HOME MORTGAGE CORPORATION 10 2.83% $10,217
LOANPAL, LLC 9 2.75% $8,909
HOMEAMERICAN MORTGAGE CORPORATION 9 3.06% $5,828
GUARANTEED RATE AFFINITY, LLC 9 2.94% $8,912
NATIONS DIRECT MORTGAGE, LLC 9 3.08% $8,056
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 9 2.86% $8,095
STOCKTON MORTGAGE CORPORATION 8 3.33% $9,136
PLAZA HOME MORTGAGE, INC. 8 3.16% $7,274
PNC Bank 8 2.67% $6,310
BAY EQUITY LLC 8 3.33% $9,518
TOP FLITE FINANCIAL, INC. 8 3.48% $15,183
LIBERTY HOME MORTGAGE CORPORATION 8 3.25% $7,705
HOMESPIRE MORTGAGE CORPORATION 8 3.09% $10,124
GUILD MORTGAGE COMPANY 7 3.09% $9,365
First Home Bank 7 2.88% $8,557
HOMESIDE FINANCIAL, LLC 7 2.89% $8,124
TOWNE MORTGAGE COMPANY 7 3.32% $7,838
INTERLINC MORTGAGE SERVICES, LLC 7 3.32% $7,148
Northpointe Bank 6 3.02% $8,863
Loan Simple, Inc. 6 3.12% $8,758
OVM FINANCIAL, INC. 6 3.50% $9,494
First Guaranty Mortgage Corporation 6 2.88% $6,656
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 3.08% $8,333
Ixonia Bank 6 3.19% $9,029
NP, Inc. 6 3.46% $8,769
SUN WEST MORTGAGE COMPANY, INC. 5 3.60% $9,629
AMERICAN FINANCING CORPORATION 5 3.05% $8,678
Bell Bank 5 2.63% $8,627
CityWorth Mortgage LLC 5 3.08% $9,114
EMM LOANS LLC 5 2.70% $10,221
Florida Capital Bank 5 2.80% $7,115
JPMorgan Chase Bank 5 2.90% $5,330
MICHIGAN MUTUAL, INC. 5 3.18% $9,565
RELIANCE FIRST CAPITAL, LLC 5 2.83% $9,554
South State Bank 5 3.38% $9,244
WATSON MORTGAGE CORP. 4 2.50% $7,200
KBHS HOME LOANS, LLC 4 3.09% $14,453
HUNT MORTGAGE CORPORATION 4 2.72% $8,299
ALLIED MORTGAGE GROUP, INC. 4 2.75% $11,398
Fifth Third Bank 4 2.97% $8,192
JMAC LENDING, INC. 4 2.97% $7,004
DAS Acquisition Company, LLC 4 3.19% $11,065
1ST FINANCIAL, INC. 3 3.12% $9,329
AMERICAN FINANCIAL RESOURCES, INC. 3 3.63% $9,540
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 3.08% $9,740
STEARNS LENDING, LLC 3 2.88% $8,653
First Option Mortgage, LLC 3 3.54% $13,242
SPACE COAST Credit Union 3 3.00% $5,911
SOUTHPOINT FINANCIAL SERVICES, INC. 3 3.04% $7,657
SOUTHERN TRUST MORTGAGE, LLC 3 3.29% $9,551
ACADEMY MORTGAGE CORPORATION 3 3.42% $8,879
First Federal Bank 3 2.92% $9,730
Barrington Bank & Trust Company, N.A. 3 3.00% $7,371
U.S. Bank 3 3.08% $8,355
VAN DYK MORTGAGE CORPORATION 3 3.38% $9,484
CAPITAL PARTNERS MORTGAGE, LLC 3 3.12% $8,361
CELEBRITY HOME LOANS, LLC 3 3.38% $8,591
MID AMERICA MORTGAGE, INC. 3 3.50% $6,092
COLUMBUS CAPITAL LENDING, LLC 3 3.42% $11,753
ENVOY MORTGAGE, LTD 3 3.42% $9,516
Town Square Mortgage & Investments, Inc. 3 3.38% $6,906
GSF Mortgage Corporation 2 2.94% $10,506
INLANTA MORTGAGE, INC. 2 3.00% $9,235
KELLER MORTGAGE, LLC 2 2.63% $5,567
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 2 3.31% $8,981
LEADERONE FINANCIAL CORPORATION 2 3.25% $8,400
LENOX FINANCIAL MORTGAGE CORPORATION 2 3.13% $8,016
FIRST ALLIANCE HOME MORTGAGE, LLC 2 3.19% $8,329
Financial Freedom Mortgage, LLC 2 4.94% $11,038
MORTGAGE INVESTORS GROUP, INC. 2 2.81% $8,267
FAMILY FIRST FUNDING LLC 2 3.00% $9,095
Evolve Bank & Trust 2 3.38% $11,257
NFM, INC. 2 3.25% $5,880
Colten Mortgage, LLC 2 3.19% $5,030
Centennial Bank 2 2.75% $9,407
Peoples Bank 2 3.44% $6,491
CALCON MUTUAL MORTGAGE LLC 2 3.06% $10,656
Princeton Mortgage Corporation 2 3.00% $7,741
Prosperity Home Mortgage, LLC 2 2.81% $6,417
BANKERS MORTGAGE LENDING, INC. 2 2.75% $8,143
Wyndham Capital Mortgage, Inc. 2 3.06% $6,572
RESIDENTIAL BANCORP. 2 2.88% $6,657
RESIDENTIAL HOME FUNDING CORP. 2 2.81% $10,304
ROYAL UNITED MORTGAGE LLC 2 2.56% $13,764
RUOFF MORTGAGE COMPANY, INC. 2 3.38% $4,595
Sierra Pacific Mortgage Company, Inc. 2 3.06% $8,943
ZILLOW HOME LOANS, LLC 2 2.56% $8,381
SWBC MORTGAGE CORPORATION 2 3.63% $8,519
The Home Loan Expert LLC 2 2.69% $7,493
Truist 2 3.18% $7,093
Alcova Mortgage LLC 2 2.94% $9,096
ACOPIA, LLC 2 2.94% $7,575
Wells Fargo Bank 2 3.25% $8,283
CIS Financial Services, Inc. 1 2.38% $8,457
Paramount Bank 1 2.75% $8,246
Century Mortgage Company DBA Century Lending Company 1 3.50% $12,068
Centier Bank 1 3.25% $8,155
Home Mortgage Alliance Corp 1 2.88% $14,175
Trust Mortgage Lending 1 3.38% $13,008
PHH Mortgage Corporation 1 3.13% $6,046
Wolfe Financial, Inc 1 2.88% $8,957
MCLEAN MORTGAGE CORPORATION 1 2.63% $8,549
GUARANTY HOME MORTGAGE CORPORATION 1 3.13% $7,747
Blue Ridge Bank 1 3.63% $8,611
POLARIS HOME FUNDING CORP. 1 3.50% $9,143
Bethpage Federal Credit Union 1 3.25% $2,710
BECKAM FUNDING CORP. 1 4.38% $13,166
Advisors Mortgage Group, L.L.C. 1 2.25% $8,476
George Mason Mortgage, LLC 1 3.99% $8,906
FIRST COMMUNITY MORTGAGE, INC. 1 3.63% $7,822
US MORTGAGE CORPORATION 1 3.25% $10,244
VANDERBILT MORTGAGE AND FINANCE, INC. 1 3.00% $5,703
ISERVE RESIDENTIAL LENDING, LLC 1 3.25% $9,593
A&D Mortgage LLC 1 3.13% $8,720
AXIA FINANCIAL, LLC 1 3.25% $7,631
HOMESTAR FINANCIAL CORPORATION 1 3.25% $5,094
V.I.P. MORTGAGE, INC. 1 3.00% $10,855
Atlantic Home Loans, Inc. 1 2.75% $10,689
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 2.99% $9,695
ASPIRE FINANCIAL, INC. 1 2.63% $7,699
VYSTAR 1 2.75% $5,354
Lend Smart Mortgage, LLC 1 3.25% $5,519
LEGEND LENDING CORPORATION 1 3.63% $7,397
GET A RATE LLC 1 2.62% $6,398
SOUTHWEST STAGE FUNDING, LLC 1 3.25% $2,920
FIRST HOME MORTGAGE CORPORATION 1 2.25% $7,438
First Savings Bank 1 3.38% $5,800
Stifel Bank and Trust 1 2.63% $4,475
ARC HOME LLC 1 2.88% $16,403
Strong Home Mortgage, LLC 1 3.00% $5,503
AMERICAN MORTGAGE SERVICE COMPANY 1 2.50% $6,136
WILLOW BEND MORTGAGE COMPANY, LLC 1 2.75% $9,236
Gateway First Bank 1 3.50% $10,089
GMFS LLC 1 3.13% $7,444
The Federal Savings Bank 1 2.38% $12,524
GREENWAY MORTGAGE FUNDING CORP. 1 4.25% $11,792
AMERICAN ADVISORS GROUP 1 3.00% $9,214
THRIVE MORTGAGE, LLC 1 3.13% $9,354
MORTGAGE FINANCIAL GROUP, INC. 1 2.88% $15,317
AMCAP MORTGAGE, LTD. 1 3.75% $13,814
FAY SERVICING, LLC 1 2.88% $5,932
TOTAL MORTGAGE SERVICES, LLC 1 3.25% $7,989
JET DIRECT FUNDING CORP 1 3.00% $9,594
EVERETT FINANCIAL, INC. 1 4.13% $7,691
M&T Bank 1 3.25% $7,122
EVANSVILLE TEACHERS 1 2.63% $8,796
MORIA DEVELOPMENT, INC. 1 3.63% $10,968
MLB RESIDENTIAL LENDING, LLC 1 3.38% $10,164
NATIONS RELIABLE LENDING, LLC 1 2.99% $9,384
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.25% $9,192
NBKC BANK 1 2.75% $9,100
Network Funding, L.P. 1 2.75% $8,012
NEW FED MORTGAGE, CORP. 1 3.75% $11,371
CRESCENT MORTGAGE COMPANY 1 3.00% $10,185
JAMES B. NUTTER & COMPANY 1 3.00% $3,879
Credence Funding Corporation 1 2.88% $5,781
NORTHPOINT MORTGAGE, INC. 1 3.13% $13,283
COUNTRYPLACE MORTGAGE, LTD. 1 4.25% $13,743
MILEND, INC. 1 2.88% $12,115
TruHome Solutions, LLC 1 3.13% $6,578
OPEN MORTGAGE, LLC 1 3.63% $7,846
CITYWIDE HOME LOANS, LLC 1 3.88% $8,279

The top Deltona FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 545 FHA loans originated. Their average total fees are $6,572, which is $205 higher than the next largest lender, FREEDOM MORTGAGE CORPORATION.

The lowest fee Deltona FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($2,895), OCEANSIDE MORTGAGE COMPANY ($3,566), AmeriHome Mortgage Company, LLC ($4,381), Bank of America ($4,449) and Lakeview Community Capital, LLC ($4,488).

The lowest rate Deltona FHA lenders (with over 10 loans originated) are Seacoast National Bank (2.71%), Regions Bank (2.71%), QUICKEN LOANS, LLC (2.75%), HOME POINT FINANCIAL CORPORATION (2.78%) and PLANET HOME LENDING, LLC (2.79%).

Deltona FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL FLAGLER 2022 $420,680 $538,650 $651,050 $809,150
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL VOLUSIA 2022 $420,680 $538,650 $651,050 $809,150

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Deltona (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $259,900 (0.0%) $356,674 (-1.8%) 0.96 4,545
2018-02-01 $259,900 (-1.5%) $355,907 (-3.7%) 0.94 4,613
2018-03-01 $264,500 (-0.7%) $362,162 (-2.1%) 0.93 4,674
2018-04-01 $269,450 (0.6%) $371,611 (0.3%) 0.91 4,722
2018-05-01 $274,850 (2.2%) $372,907 (0.3%) 0.92 4,790
2018-06-01 $275,000 (2.1%) $374,152 (-0.1%) 0.92 4,807
2018-07-01 $275,000 (3.8%) $375,433 (1.8%) 0.92 4,812
2018-08-01 $275,000 (3.8%) $375,025 (1.0%) 0.92 4,774
2018-09-01 $271,251 (2.4%) $368,896 (0.0%) 0.91 4,888
2018-10-01 $269,950 (3.9%) $366,539 (2.3%) 0.91 5,041
2018-11-01 $269,900 (3.1%) $369,681 (3.8%) 0.91 5,195
2018-12-01 $269,900 (3.8%) $372,361 (4.6%) 0.93 5,203
2019-01-01 $269,450 (3.7%) $371,634 (4.2%) 0.93 5,261
2019-02-01 $270,430 (4.1%) $375,012 (5.4%) 0.91 5,382
2019-03-01 $274,671 (3.9%) $375,773 (3.8%) 0.90 5,293
2019-04-01 $277,175 (2.9%) $376,593 (1.3%) 0.88 5,113
2019-05-01 $279,875 (1.8%) $379,636 (1.8%) 0.87 5,015
2019-06-01 $279,590 (1.7%) $377,380 (0.9%) 0.87 5,062
2019-07-01 $275,000 (0.0%) $373,372 (-0.6%) 0.86 4,991
2019-08-01 $274,455 (-0.2%) $369,588 (-1.5%) 0.87 5,000
2019-09-01 $273,636 (0.9%) $368,314 (-0.2%) 0.88 4,947
2019-10-01 $273,091 (1.2%) $367,465 (0.3%) 0.88 4,910
2019-11-01 $270,000 (0.0%) $365,922 (-1.0%) 0.89 4,864
2019-12-01 $273,744 (1.4%) $366,094 (-1.7%) 0.91 4,761
2020-01-01 $273,245 (1.4%) $369,468 (-0.6%) 0.91 4,758
2020-02-01 $279,900 (3.5%) $377,290 (0.6%) 0.92 4,678
2020-03-01 $279,450 (1.7%) $375,496 (-0.1%) 0.88 4,774
2020-04-01 $274,950 (-0.8%) $370,793 (-1.5%) 0.86 4,879
2020-05-01 $275,000 (-1.7%) $372,117 (-2.0%) 0.84 4,642
2020-06-01 $279,000 (-0.2%) $377,548 (0.0%) 0.82 4,002
2020-07-01 $279,900 (1.8%) $384,577 (3.0%) 0.81 3,558
2020-08-01 $279,900 (2.0%) $387,836 (4.9%) 0.80 3,165
2020-09-01 $286,450 (4.7%) $399,842 (8.6%) 0.82 2,914
2020-10-01 $289,000 (5.8%) $403,129 (9.7%) 0.83 2,874
2020-11-01 $289,000 (7.0%) $402,447 (10.0%) 0.84 2,823
2020-12-01 $287,180 (4.9%) $405,221 (10.7%) 0.85 2,625
2021-01-01 $289,900 (6.1%) $412,641 (11.7%) 0.87 2,321
2021-02-01 $299,265 (6.9%) $436,287 (15.6%) 0.87 1,939
2021-03-01 $302,450 (8.2%) $446,989 (19.0%) 0.86 1,544
2021-04-01 $315,000 (14.6%) $463,623 (25.0%) 0.85 1,397
2021-05-01 $319,900 (16.3%) $468,149 (25.8%) 0.85 1,403
2021-06-01 $334,475 (19.9%) $468,257 (24.0%) 0.88 1,544
2021-07-01 $330,000 (17.9%) $458,922 (19.3%) 0.87 1,732
2021-08-01 $339,000 (21.1%) $455,772 (17.5%) 0.90 1,882
2021-09-01 $342,500 (19.6%) $460,127 (15.1%) 0.91 2,002
2021-10-01 $349,900 (21.1%) $470,043 (16.6%) 0.93 1,986
2021-11-01 $349,900 (21.1%) $478,819 (19.0%) 0.93 1,918
2021-12-01 $349,900 (21.8%) $478,159 (18.0%) 0.95 1,744
2022-01-01 $349,600 (20.6%) $472,790 (14.6%) 0.95 1,509
2022-02-01 $375,000 (25.3%) $513,005 (17.6%) 0.98 1,326
2022-03-01 $379,000 (25.3%) $526,105 (17.7%) 0.95 1,261
2022-04-01 $399,280 (26.8%) $552,527 (19.2%) 0.95 1,310
2022-05-01 $402,300 (25.8%) $550,957 (17.7%) 0.92 1,716
2022-06-01 $415,765 (24.3%) $539,349 (15.2%) 0.93 2,099
2022-07-01 $402,235 (21.9%) $530,202 (15.5%) 0.91 2,738
2022-08-01 $399,900 (18.0%) $517,392 (13.5%) 0.92 3,113
2022-09-01 $399,383 (16.6%) $505,566 (9.9%) 0.93 3,170
2022-10-01 $399,000 (14.0%) $507,154 (7.9%) 0.94 3,119
2022-11-01 $395,000 (12.9%) $502,744 (5.0%) 0.95 3,374
Deltona's median listing price for 2022-11-01 was $395,000, a difference of $45,100 (12.9%) versus the prior year and $-4,000 versus the prior month.

Deltona's median listing price comes in at 95% of the national average.

Deltona's average listing price for 2022-11-01 was $502,744, a difference of $23,925 (5.0%) versus the prior year and $-4,410 versus the prior month.

For the 2022-11-01 period, Deltona had 3,374 MLS listings, a difference of 255 listings (8%) versus the prior month and 1,456 listings (76%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Deltona (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 78 days 1,888 sqft
2018-02-01 73 days 1,864 sqft
2018-03-01 65 days 1,871 sqft
2018-04-01 66 days 1,866 sqft
2018-05-01 69 days 1,890 sqft
2018-06-01 72 days 1,895 sqft
2018-07-01 75 days 1,880 sqft
2018-08-01 75 days 1,872 sqft
2018-09-01 72 days 1,860 sqft
2018-10-01 71 days 1,860 sqft
2018-11-01 72 days 1,863 sqft
2018-12-01 78 days 1,859 sqft
2019-01-01 82 days 1,832 sqft
2019-02-01 80 days 1,841 sqft
2019-03-01 76 days 1,844 sqft
2019-04-01 75 days 1,845 sqft
2019-05-01 76 days 1,811 sqft
2019-06-01 76 days 1,815 sqft
2019-07-01 76 days 1,807 sqft
2019-08-01 76 days 1,806 sqft
2019-09-01 78 days 1,804 sqft
2019-10-01 80 days 1,802 sqft
2019-11-01 74 days 1,789 sqft
2019-12-01 77 days 1,785 sqft
2020-01-01 81 days 1,760 sqft
2020-02-01 73 days 1,765 sqft
2020-03-01 64 days 1,755 sqft
2020-04-01 70 days 1,728 sqft
2020-05-01 80 days 1,724 sqft
2020-06-01 92 days 1,732 sqft
2020-07-01 80 days 1,751 sqft
2020-08-01 72 days 1,731 sqft
2020-09-01 62 days 1,760 sqft
2020-10-01 56 days 1,774 sqft
2020-11-01 57 days 1,753 sqft
2020-12-01 61 days 1,718 sqft
2021-01-01 65 days 1,714 sqft
2021-02-01 48 days 1,714 sqft
2021-03-01 46 days 1,722 sqft
2021-04-01 39 days 1,727 sqft
2021-05-01 35 days 1,702 sqft
2021-06-01 32 days 1,713 sqft
2021-07-01 32 days 1,700 sqft
2021-08-01 36 days 1,696 sqft
2021-09-01 38 days 1,681 sqft
2021-10-01 42 days 1,702 sqft
2021-11-01 44 days 1,697 sqft
2021-12-01 53 days 1,689 sqft
2022-01-01 47 days 1,680 sqft
2022-02-01 34 days 1,683 sqft
2022-03-01 32 days 1,693 sqft
2022-04-01 30 days 1,724 sqft
2022-05-01 29 days 1,728 sqft
2022-06-01 30 days 1,753 sqft
2022-07-01 32 days 1,723 sqft
2022-08-01 39 days 1,709 sqft
2022-09-01 49 days 1,717 sqft
2022-10-01 60 days 1,724 sqft
2022-11-01 63 days 1,728 sqft
Deltona's median listing age (time on market) for 2022-11-01 was 63 days. This is 43% longer than the same period one year ago.

Deltona's median square footage for active listings during the 2022-11-01 period was 1,728 sqft. One year prior, the average listing was 1,697 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).