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 207 lenders originated 3,621 FHA loans during 2023. The total origination value was $1,048,585,000, with an average FHA loan value of $289,584.

Deltona FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Deltona averaged 6.39% for the week of 2024-05-17, compared to the national average (all FHA variants) of 6.744% for the same period.

Deltona's average FHA mortgage closing costs are $8,747.

The average rate for the prior week (2024-05-10) was 6.43% and one month ago for the week of 2024-04-12, the average rate was 6.79%.

The average rate one year ago was 6.05%.

For refis of the same type during the week of 2024-05-17, the average rate was 7.16%.

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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 474 6.31% $13,318
DHI MORTGAGE COMPANY, LTD. 334 5.33% $9,664
QUICKEN LOANS, LLC 265 6.15% $12,695
Waterstone Mortgage Corporation 141 6.53% $14,912
LOANDEPOT.COM, LLC 107 6.33% $11,342
CROSSCOUNTRY MORTGAGE, LLC 93 6.63% $14,110
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 72 6.65% $12,530
EAGLE HOME MORTGAGE, LLC 70 5.51% $11,999
FBC MORTGAGE, LLC 63 6.23% $11,901
THE MORTGAGE FIRM, INC. 63 6.75% $11,717
BROKER SOLUTIONS, INC. 57 6.56% $14,639
PENNYMAC LOAN SERVICES, LLC 54 6.21% $13,602
FREEDOM MORTGAGE CORPORATION 52 6.58% $13,964
NEWREZ LLC 44 6.32% $13,821
NVR Mortgage Finance, Inc. 42 5.76% $11,435
GUILD MORTGAGE COMPANY 41 6.58% $13,340
CARDINAL FINANCIAL 39 6.38% $12,324
MOVEMENT MORTGAGE, LLC 39 6.61% $12,587
JET HOMELOANS, LLC 38 6.01% $13,366
Carrington Mortgage Services, LLC 36 6.58% $13,829
Mortgage Lenders Investment Trading Corporation 36 6.79% $11,768
HOMEBRIDGE FINANCIAL SERVICES, INC. 33 6.12% $12,083
CMG MORTGAGE, INC. 32 6.68% $13,600
Paramount Residential Mortgage Group, Inc. 29 6.85% $13,856
Ameris Bank 29 6.76% $10,365
Plains Commerce Bank 27 6.50% $13,496
Mr. Cooper ( Nationstar Mortgage ) 26 6.25% $15,531
Flagstar Bank, FSB 24 6.52% $15,267
AMERICAN FINANCIAL NETWORK, INC. 24 6.98% $15,031
Bank of England 22 6.28% $12,191
GUARANTEED RATE, INC. 21 6.65% $12,385
CALIBER HOME LOANS, INC. 20 6.09% $14,428
Equity Prime Mortgage LLC 19 6.58% $13,753
NFM, INC. 19 6.31% $15,139
PRIMELENDING, A PLAINSCAPITAL COMPANY 19 6.74% $13,231
VELOCIO MORTGAGE L.L.C. 18 5.43% $16,555
MUTUAL OF OMAHA MORTGAGE, INC. 18 6.57% $13,190
EVERETT FINANCIAL, INC. 18 6.87% $13,278
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 17 6.91% $15,097
SUN WEST MORTGAGE COMPANY, INC. 16 6.70% $14,024
AMERICAN PACIFIC MORTGAGE CORPORATION 15 6.74% $13,062
AMERISAVE MORTGAGE CORPORATION 15 6.35% $14,859
PULTE MORTGAGE LLC 15 6.31% $8,245
PLAZA HOME MORTGAGE, INC. 14 6.69% $12,261
SUCCESS MORTGAGE PARTNERS, INC. 14 6.83% $12,671
Ixonia Bank 13 6.96% $14,748
Regions Bank 13 6.13% $9,891
GUARANTEED RATE AFFINITY, LLC 13 6.68% $12,761
Century Mortgage Company DBA Century Lending Company 12 6.46% $14,276
EMM LOANS LLC 12 6.25% $13,895
UNION HOME MORTGAGE CORP. 12 6.51% $11,487
First Horizon Bank 12 6.43% $10,603
Citizens Bank 11 6.43% $14,393
HOMESIDE FINANCIAL, LLC 11 6.56% $13,743
LOANPAL, LLC 11 5.58% $13,368
WATSON MORTGAGE CORP. 10 6.43% $12,164
Nations Lending Corporation 10 6.55% $12,891
South State Bank 10 6.25% $11,756
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 9 6.99% $10,398
MATTAMY HOME FUNDING, LLC 9 6.00% $12,507
BAY EQUITY LLC 9 6.73% $10,353
Prosperity Home Mortgage, LLC 9 6.53% $15,005
TOWNE MORTGAGE COMPANY 8 6.97% $13,199
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 8 6.14% $12,783
INSPIRE HOME LOANS INC. 8 5.84% $10,012
LAKEVIEW LOAN SERVICING, LLC 8 6.17% $13,546
VILLAGE CAPITAL MORTGAGE 7 5.99% $15,226
HOMEOWNERS FINANCIAL GROUP USA, LLC 7 6.52% $13,945
TOP FLITE FINANCIAL, INC. 7 7.04% $12,187
Truist 7 6.31% $9,892
GENEVA FINANCIAL, LLC 7 6.41% $15,422
CHURCHILL MORTGAGE CORPORATION 7 6.27% $11,733
STOCKTON MORTGAGE CORPORATION 7 6.88% $11,625
MORTGAGE EQUITY PARTNERS LLC 7 6.52% $13,533
MID AMERICA MORTGAGE, INC. 7 7.14% $9,246
PLANET HOME LENDING, LLC 7 6.13% $12,517
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 6.67% $13,398
SECURITYNATIONAL MORTGAGE COMPANY 6 6.63% $13,811
Sierra Pacific Mortgage Company, Inc. 6 6.10% $16,725
VYSTAR 6 7.10% $6,781
HALLMARK HOME MORTGAGE, LLC 5 6.43% $11,196
AMERICAN FINANCIAL RESOURCES, INC. 5 5.63% $15,218
Florida Capital Bank 5 6.58% $11,539
NETWORK CAPITAL FUNDING CORPORATION 5 6.33% $10,603
Mortgage Research Center, LLC 5 6.78% $8,919
The Federal Savings Bank 5 6.55% $12,128
Bank of America 5 6.75% $10,962
M/I FINANCIAL, LLC 5 6.20% $19,654
OCMBC, INC. 5 7.08% $12,689
CANOPY MORTGAGE, LLC 5 6.65% $13,874
ACOPIA, LLC 5 6.45% $14,044
ZILLOW HOME LOANS, LLC 4 6.75% $10,726
CITY FIRST MORTGAGE SERVICES, L.L.C. 4 7.28% $12,291
Cornerstone First Mortgage, Inc 4 6.59% $12,601
EMBRACE HOME LOANS, INC. 4 6.75% $14,149
Fifth Third Bank 4 6.44% $9,931
FIRST MORTGAGE COMPANY, INC. 4 5.90% $10,707
JPMorgan Chase Bank 4 6.53% $7,491
LOANLEADERS OF AMERICA, INC. 4 6.41% $17,904
PNC Bank 4 6.81% $6,409
Loan Simple, Inc. 3 7.25% $14,948
MY MORTGAGE, INC. 3 7.04% $16,163
NATIONS DIRECT MORTGAGE, LLC 3 6.88% $17,654
JMAC LENDING, INC. 3 6.21% $10,392
NBKC BANK 3 6.00% $9,598
MORTGAGE FINANCIAL GROUP, INC. 3 6.54% $10,884
Summit Mortgage Corporation 3 6.62% $11,264
CALCON MUTUAL MORTGAGE LLC 3 6.50% $18,784
HOMESPIRE MORTGAGE CORPORATION 3 6.42% $12,455
Keystone Funding, Inc. 3 6.42% $19,956
NORTHPOINT MORTGAGE, INC. 3 5.91% $9,354
VERITAS FUNDING, LLC 3 6.54% $19,018
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 3 6.50% $13,498
LEADERONE FINANCIAL CORPORATION 3 6.37% $17,298
KBHS HOME LOANS, LLC 3 6.46% $13,374
LIBERTY HOME MORTGAGE CORPORATION 3 7.00% $18,995
MILEND, INC. 3 6.00% $17,426
Lakeview Community Capital, LLC 3 5.58% $9,233
ROYAL UNITED MORTGAGE LLC 3 6.63% $9,969
FIRST ALLIANCE HOME MORTGAGE, LLC 2 6.19% $14,012
AMCAP MORTGAGE, LTD. 2 6.50% $20,662
RELIANCE FIRST CAPITAL, LLC 2 5.94% $17,899
RESIDENTIAL BANCORP 2 6.00% $14,594
ACADEMY MORTGAGE CORPORATION 2 7.13% $14,645
Wells Fargo Bank 2 6.31% $11,786
LAND HOME FINANCIAL SERVICES, INC. 2 7.13% $12,960
RUOFF MORTGAGE COMPANY, INC. 2 6.00% $8,509
Northpointe Bank 2 7.00% $13,319
MICHIGAN MUTUAL, INC. 2 6.00% $12,129
SOUTHERN TRUST MORTGAGE, LLC 2 6.38% $12,021
CORNERSTONE HOME LENDING, INC. 2 6.75% $12,941
SWBC MORTGAGE CORPORATION 2 6.88% $8,448
1ST FINANCIAL, INC. 2 7.31% $17,488
TD Bank 2 6.06% $10,487
AmeriHome Mortgage Company, LLC 2 5.69% $11,811
POINT Mortgage 2 7.19% $12,564
Mortgage Assurance Inc. 2 6.00% $9,692
TOTAL MORTGAGE SERVICES, LLC 2 6.25% $15,659
PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.00% $15,996
HOMESTEAD FUNDING CORP. 2 5.81% $7,637
CONTOUR MORTGAGE CORPORATION 2 6.63% $11,389
FIRST COMMUNITY MORTGAGE, INC. 2 6.94% $13,052
U.S. Bank 2 6.13% $11,893
US MORTGAGE CORPORATION 2 6.38% $14,881
SPACE COAST Credit Union 1 6.75% $6,281
Barrington Bank & Trust Company, N.A. 1 5.75% $8,455
Strong Home Mortgage, LLC 1 6.63% $10,675
BANKSOUTH MORTGAGE COMPANY, LLC 1 7.13% $12,241
SUMMIT FUNDING, INC. 1 6.75% $18,561
BancorpSouth 1 6.50% $7,936
T2 FINANCIAL LLC 1 7.13% $6,600
THE MORTGAGE LINK, INC. 1 6.13% $19,235
American Security Mortgage Corp. 1 7.13% $8,900
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 7.13% $12,444
TruHome Solutions, LLC 1 7.13% $8,351
American Mortgage & Equity Consultants, Inc. 1 7.13% $16,503
AMERICAN FINANCING CORPORATION 1 5.25% $19,039
United Community Bank 1 6.13% $12,845
AMERICAN BANCSHARES MORTGAGE 1 6.25% $14,316
VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.25% $21,890
ALLIED MORTGAGE GROUP, INC. 1 7.25% $15,576
Alcova Mortgage LLC 1 5.75% $7,773
ABSOLUTE HOME MORTGAGE CORPORATION 1 7.00% $16,973
LADERA LENDING, INC. 1 5.63% $10,077
Wyndham Capital Mortgage, Inc. 1 5.50% $10,478
MEMBER FIRST MORTGAGE, LLC 1 6.50% $16,532
INTELLILOAN, INC. 1 6.49% $6,258
Mid-Continent Funding, Inc. 1 7.00% $8,921
HUNT MORTGAGE CORPORATION 1 7.13% $8,735
MJW Financial LLC 1 5.99% $22,184
MLD MORTGAGE INC. 1 6.25% $5,231
MORTGAGE INVESTORS GROUP, INC. 1 5.63% $13,350
HOMESTAR FINANCIAL CORPORATION 1 7.00% $10,572
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.63% $9,407
GERSHMAN INVESTMENT CORP. 1 6.50% $13,955
Gateway First Bank 1 6.25% $12,939
M&T Bank 1 6.63% $14,072
GARDNER FINANCIAL SERVICES, LTD. 1 7.00% $10,857
First Option Mortgage, LLC 1 7.50% $17,687
NATIONS RELIABLE LENDING, LLC 1 6.88% $15,570
NATIONWIDE MORTGAGE BANKERS, INC. 1 7.13% $17,061
First Heritage Mortgage, LLC 1 5.25% $17,766
NJ LENDERS CORP. 1 5.50% $10,012
NP, Inc. 1 6.88% $20,632
Fidelity Bank 1 6.13% $19,645
OCEANSIDE MORTGAGE COMPANY 1 6.38% $12,930
ENVOY MORTGAGE, LTD 1 6.63% $12,589
PANORAMA MORTGAGE GROUP, LLC 1 7.00% $21,757
ENDEAVOR CAPITAL, LLC. 1 6.63% $12,512
DIRECT MORTGAGE LOANS, LLC 1 6.49% $9,392
PINNACLE LENDING GROUP, INC. 1 6.63% $11,811
DATA MORTGAGE, INC. 1 6.50% $12,779
CRESCENT MORTGAGE COMPANY 1 5.88% $9,494
PREMIA MORTGAGE, LLC 1 6.53% $9,435
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $9,660
COMMUNITY CREDIT UNION OF FLORIDA 1 6.63% $6,431
Commerce Home Mortgage, Inc. 1 7.13% $16,507
Chickasaw Community Bank 1 6.50% $5,340
CERTAINTY HOME LOANS, LLC 1 6.75% $9,863
ROSS MORTGAGE CORPORATION 1 7.13% $10,123
S1L, Inc. 1 6.25% $17,967
Seacoast National Bank 1 7.63% $10,567
SeaTrust Mortgage Company 1 6.25% $11,011
ServisFirst Bank 1 6.00% $6,051
Bell Bank 1 6.75% $5,904
SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.63% $11,030
BECKAM FUNDING CORP. 1 7.50% $14,862

The top Deltona FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 474 FHA loans originated. Their average total fees are $13,318, which is $3,653 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

The lowest fee Deltona FHA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC ($8,245), DHI MORTGAGE COMPANY, LTD. ($9,664), Regions Bank ($9,891), Ameris Bank ($10,365) and First Horizon Bank ($10,603).

The lowest rate Deltona FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.33%), VELOCIO MORTGAGE L.L.C. (5.43%), EAGLE HOME MORTGAGE, LLC (5.51%), LOANPAL, LLC (5.58%) and NVR Mortgage Finance, Inc. (5.76%).

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
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL FLAGLER 2023 $472,030 $604,400 $730,525 $907,900
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL VOLUSIA 2023 $472,030 $604,400 $730,525 $907,900

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%) $356,756 (-1.8%) 0.96 4,545
2018-02-01 $259,900 (-1.5%) $355,972 (-3.7%) 0.94 4,613
2018-03-01 $264,475 (-0.7%) $362,125 (-2.1%) 0.93 4,674
2018-04-01 $269,450 (0.5%) $371,628 (0.2%) 0.91 4,722
2018-05-01 $274,875 (2.1%) $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 $271,068 (2.3%) $368,854 (0.0%) 0.91 4,888
2018-10-01 $269,950 (3.9%) $366,548 (2.3%) 0.91 5,041
2018-11-01 $269,900 (3.0%) $369,691 (3.7%) 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%) $376,837 (4.1%) 0.90 5,292
2019-04-01 $277,200 (2.9%) $378,689 (1.9%) 0.88 5,111
2019-05-01 $279,900 (1.8%) $379,656 (1.8%) 0.87 5,013
2019-06-01 $279,800 (1.8%) $377,548 (0.9%) 0.87 5,054
2019-07-01 $275,000 (0.0%) $373,519 (-0.5%) 0.86 4,983
2019-08-01 $274,714 (-0.1%) $369,737 (-1.4%) 0.87 4,991
2019-09-01 $274,284 (1.2%) $368,473 (-0.1%) 0.88 4,938
2019-10-01 $273,975 (1.5%) $367,630 (0.3%) 0.88 4,901
2019-11-01 $270,990 (0.4%) $366,103 (-1.0%) 0.89 4,855
2019-12-01 $274,000 (1.5%) $366,354 (-1.6%) 0.91 4,750
2020-01-01 $273,738 (1.6%) $369,678 (-0.5%) 0.91 4,748
2020-02-01 $279,900 (3.5%) $377,519 (0.7%) 0.92 4,669
2020-03-01 $279,450 (1.7%) $375,715 (-0.3%) 0.88 4,765
2020-04-01 $274,950 (-0.8%) $370,981 (-2.0%) 0.86 4,869
2020-05-01 $275,400 (-1.6%) $372,301 (-1.9%) 0.84 4,633
2020-06-01 $279,000 (-0.3%) $377,826 (0.1%) 0.82 3,992
2020-07-01 $279,900 (1.8%) $384,912 (3.1%) 0.81 3,548
2020-08-01 $279,975 (1.9%) $388,208 (5.0%) 0.80 3,157
2020-09-01 $286,895 (4.6%) $400,268 (8.6%) 0.82 2,906
2020-10-01 $289,000 (5.5%) $403,491 (9.8%) 0.83 2,866
2020-11-01 $289,218 (6.7%) $402,824 (10.0%) 0.85 2,814
2020-12-01 $287,945 (5.1%) $405,626 (10.7%) 0.86 2,616
2021-01-01 $289,900 (5.9%) $413,065 (11.7%) 0.87 2,311
2021-02-01 $299,700 (7.1%) $436,558 (15.6%) 0.87 1,929
2021-03-01 $302,450 (8.2%) $447,881 (19.2%) 0.86 1,534
2021-04-01 $315,000 (14.6%) $464,588 (25.2%) 0.85 1,387
2021-05-01 $320,000 (16.2%) $469,207 (26.0%) 0.85 1,392
2021-06-01 $335,000 (20.1%) $469,297 (24.2%) 0.88 1,533
2021-07-01 $330,000 (17.9%) $459,735 (19.4%) 0.87 1,724
2021-08-01 $339,000 (21.1%) $456,175 (17.5%) 0.90 1,875
2021-09-01 $343,408 (19.7%) $460,790 (15.1%) 0.92 1,994
2021-10-01 $349,900 (21.1%) $470,754 (16.7%) 0.93 1,977
2021-11-01 $349,900 (21.0%) $479,586 (19.1%) 0.94 1,907
2021-12-01 $349,900 (21.5%) $479,123 (18.1%) 0.95 1,733
2022-01-01 $349,900 (20.7%) $474,035 (14.8%) 0.95 1,499
2022-02-01 $375,000 (25.1%) $513,823 (17.7%) 0.98 1,316
2022-03-01 $381,470 (26.1%) $526,980 (17.7%) 0.96 1,251
2022-04-01 $399,900 (27.0%) $553,875 (19.2%) 0.95 1,299
2022-05-01 $402,500 (25.8%) $552,388 (17.7%) 0.92 1,705
2022-06-01 $417,779 (24.7%) $539,889 (15.0%) 0.93 2,088
2022-07-01 $403,500 (22.3%) $531,127 (15.5%) 0.91 2,727
2022-08-01 $399,900 (18.0%) $518,690 (13.7%) 0.92 3,103
2022-09-01 $399,450 (16.3%) $506,477 (9.9%) 0.93 3,160
2022-10-01 $399,000 (14.0%) $507,340 (7.8%) 0.94 3,109
2022-11-01 $395,000 (12.9%) $503,190 (4.9%) 0.95 3,364
2022-12-01 $389,900 (11.4%) $495,410 (3.4%) 0.96 3,432
2023-01-01 $394,445 (12.7%) $505,824 (6.7%) 0.98 3,394
2023-02-01 $395,573 (5.5%) $508,601 (-1.0%) 0.95 3,443
2023-03-01 $399,000 (4.6%) $515,491 (-2.2%) 0.94 3,348
2023-04-01 $399,900 (0.0%) $520,297 (-6.1%) 0.93 3,240
2023-05-01 $399,900 (-0.7%) $524,325 (-5.1%) 0.91 3,354
2023-06-01 $399,950 (-4.3%) $529,210 (-2.0%) 0.90 3,492
2023-07-01 $399,900 (-0.9%) $533,323 (0.4%) 0.91 3,622
2023-08-01 $403,188 (0.8%) $537,667 (3.7%) 0.93 3,731
2023-09-01 $400,000 (0.1%) $530,956 (4.8%) 0.93 3,968
2023-10-01 $399,900 (0.2%) $528,388 (4.2%) 0.94 4,218
2023-11-01 $398,000 (0.8%) $522,722 (3.9%) 0.95 4,470
2023-12-01 $397,900 (2.1%) $524,220 (5.8%) 0.97 4,501
2024-01-01 $399,900 (1.4%) $525,161 (3.8%) 0.98 4,598
2024-02-01 $399,900 (1.1%) $528,146 (3.8%) 0.96 4,865
2024-03-01 $399,000 (0.0%) $519,665 (0.8%) 0.94 5,128
2024-04-01 $399,900 (0.0%) $519,282 (-0.2%) 0.93 5,267
Deltona's median listing price for 2024-04-01 was $399,900, a difference of $0 (0.0%) versus the prior year and $900 versus the prior month.

Deltona's median listing price comes in at 93% of the national average.

Deltona's average listing price for 2024-04-01 was $519,282, a difference of $-1,015 (-0.2%) versus the prior year and $-383 versus the prior month.

For the 2024-04-01 period, Deltona had 5,267 MLS listings, a difference of 139 listings (3%) versus the prior month and 2,027 listings (63%) 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 73 days 1,888 sqft
2018-02-01 67 days 1,864 sqft
2018-03-01 60 days 1,871 sqft
2018-04-01 61 days 1,866 sqft
2018-05-01 65 days 1,891 sqft
2018-06-01 67 days 1,895 sqft
2018-07-01 71 days 1,880 sqft
2018-08-01 71 days 1,872 sqft
2018-09-01 67 days 1,860 sqft
2018-10-01 66 days 1,860 sqft
2018-11-01 66 days 1,862 sqft
2018-12-01 73 days 1,859 sqft
2019-01-01 79 days 1,832 sqft
2019-02-01 73 days 1,841 sqft
2019-03-01 71 days 1,845 sqft
2019-04-01 70 days 1,845 sqft
2019-05-01 70 days 1,811 sqft
2019-06-01 70 days 1,815 sqft
2019-07-01 71 days 1,807 sqft
2019-08-01 71 days 1,806 sqft
2019-09-01 72 days 1,804 sqft
2019-10-01 74 days 1,802 sqft
2019-11-01 68 days 1,789 sqft
2019-12-01 72 days 1,786 sqft
2020-01-01 75 days 1,760 sqft
2020-02-01 67 days 1,766 sqft
2020-03-01 59 days 1,756 sqft
2020-04-01 66 days 1,728 sqft
2020-05-01 76 days 1,724 sqft
2020-06-01 85 days 1,732 sqft
2020-07-01 71 days 1,751 sqft
2020-08-01 64 days 1,732 sqft
2020-09-01 58 days 1,760 sqft
2020-10-01 51 days 1,774 sqft
2020-11-01 52 days 1,753 sqft
2020-12-01 58 days 1,718 sqft
2021-01-01 61 days 1,714 sqft
2021-02-01 44 days 1,718 sqft
2021-03-01 43 days 1,723 sqft
2021-04-01 36 days 1,730 sqft
2021-05-01 32 days 1,706 sqft
2021-06-01 31 days 1,714 sqft
2021-07-01 31 days 1,700 sqft
2021-08-01 35 days 1,696 sqft
2021-09-01 38 days 1,681 sqft
2021-10-01 40 days 1,702 sqft
2021-11-01 43 days 1,698 sqft
2021-12-01 52 days 1,690 sqft
2022-01-01 46 days 1,680 sqft
2022-02-01 33 days 1,683 sqft
2022-03-01 31 days 1,699 sqft
2022-04-01 29 days 1,724 sqft
2022-05-01 27 days 1,732 sqft
2022-06-01 30 days 1,755 sqft
2022-07-01 32 days 1,724 sqft
2022-08-01 39 days 1,712 sqft
2022-09-01 49 days 1,717 sqft
2022-10-01 60 days 1,724 sqft
2022-11-01 62 days 1,732 sqft
2022-12-01 64 days 1,711 sqft
2023-01-01 67 days 1,701 sqft
2023-02-01 59 days 1,691 sqft
2023-03-01 54 days 1,701 sqft
2023-04-01 56 days 1,689 sqft
2023-05-01 52 days 1,682 sqft
2023-06-01 51 days 1,687 sqft
2023-07-01 58 days 1,695 sqft
2023-08-01 58 days 1,698 sqft
2023-09-01 56 days 1,685 sqft
2023-10-01 57 days 1,679 sqft
2023-11-01 59 days 1,674 sqft
2023-12-01 65 days 1,673 sqft
2024-01-01 70 days 1,673 sqft
2024-02-01 67 days 1,673 sqft
2024-03-01 57 days 1,672 sqft
2024-04-01 62 days 1,665 sqft
Deltona's median listing age (time on market) for 2024-04-01 was 62 days. This is 11% longer than the same period one year ago.

Deltona's median square footage for active listings during the 2024-04-01 period was 1,665 sqft. One year prior, the average listing was 1,689 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).