At a glance
| County | Palm Beach County |
|---|---|
| Population | 69,809 (Census estimate, July 2025) |
| 2025 city millage | 18.4500 mills; 19.4500 inside the Downtown Development Authority district |
| Beach | Municipal beach of about 1.5 miles at the east end of Atlantic Avenue |
| Rail | Tri-Rail station at 345 S Congress Avenue |
Delray Beach home prices and market speed
The typical Delray Beach home is worth about $343,000, up 0.2% on a year ago. Across the Miami–Fort Lauderdale–West Palm Beach metro, for-sale inventory is 14.3% lower than a year earlier. Prices are flat to slightly down and most homes sell below list price, so buyers have room to negotiate. Sellers do best pricing from recent closed sales rather than from older list prices.
| ZIP code | Typical home value | 12-month change |
|---|---|---|
| 33483 | $1,021,600 | +5.9% |
| 33444 | $529,500 | +5.5% |
| 33446 | $338,700 | −0.4% |
| 33445 | $304,000 | −0.4% |
| 33484 | $200,500 | −6.4% |
Sources: Zillow Home Value Index (typical home value, all homes, August 2026); Zillow metro market data (days to pending, inventory and price cuts, August 2026; sale-to-list ratio, July 2026). Metro figures cover the wider region, not the city alone.
What a local agent helps you decide in Delray Beach
Delray Beach had a Census estimate of 69,809 residents in July 2025, in a city of about 16 square miles between Boynton Beach to the north and Boca Raton to the south. Housing runs from historic cottages and new luxury builds east of I-95 to large condo and villa communities further west. Each of those markets behaves differently, and a single city average hides most of it.
Which submarket fits your budget
Zillow's typical value in ZIP 33483 was $1,021,648 in August 2026, while ZIP 33484 sat at $200,469. The gap comes down to housing type as much as location: single-family homes near the water on one side, older condos and villas on the other. An agent who works both can tell you what your budget buys in each.
How to read a flat market
The city's typical value peaked at $374,304 in August 2023 and is about 8% below that today. Some ZIPs are rising and others falling, so comparable sales must come from your own street or building and the last few months, not a citywide trend.
What the home costs to own, not just to buy
Property tax, insurance, flood cover and association fees can change your monthly cost as much as the price does. A good agent gets you to insurance quotes and association documents inside your inspection period.
Buying a home in Delray Beach: the checks that matter
Get pre-approved at today's rate
Freddie Mac's 30-year average was 7.03% for the week of September 24, 2026. At that rate, a $343,049 home with 20% down carries principal and interest of about $1,831 a month before tax, insurance and fees. Our first-time buyer guide covers Florida down payment programs.
Confirm the jurisdiction on the appraiser record
A Delray Beach mailing address does not mean the parcel is inside the city. Kings Point, for example, is an unincorporated area west of the city, and Seven Bridges on Lyons Road has a Delray Beach address west of Florida's Turnpike. The Palm Beach County Property Appraiser record shows the taxing district, which sets your millage, your utility provider and whose building department handles permits.
Check age rules and association approval
Many western communities are age-restricted or have association approval steps for buyers and tenants. Read the declaration and the HOA disclosure summary that Florida law requires before you sign, and ask how long approval takes.
Run flood and insurance checks early
Look up the flood zone on FEMA's map service and ask for any elevation certificate. The city deploys temporary flood barriers in low spots such as Marine Way during king tides, so if a home is near the Intracoastal, ask about tidal flooding history. Get homeowners and flood quotes before your inspection period ends.
Selling a home in Delray Beach
Price for a 98-day market
Across the metro, 18.9% of listings had a price cut in August 2026, and homes sold for about 95.7% of their final list price in July. Pricing near recent closed sales from the start usually beats cutting later. Our Delray Beach housing market page breaks the numbers down by ZIP and neighborhood.
Prepare the paperwork buyers ask for
Insurers commonly ask for a four-point inspection and a wind mitigation report on older homes. Having both ready speeds up the buyer's insurance quote and can protect your price. Florida sellers must also disclose known facts that materially affect value; see our seller disclosure guide.
Know your net
Florida charges documentary stamp tax of $0.70 per $100 of the sale price on the deed, usually paid by the seller outside Miami-Dade. Add commission, title charges and any association estoppel fee before you set a floor price.
Delray Beach areas at a glance
Zillow values for these Zillow-defined neighborhoods are from August 2026. Some sit outside city limits, so confirm the jurisdiction for any address.
Downtown and Atlantic Avenue
Condos, townhouses and older single-family streets around the city's main street, which runs east to the beach. Parcels inside the Downtown Development Authority district pay an extra mill of tax.
East of the Intracoastal and near the beach
The priciest part of the market. Zillow's typical value in Palm Trail was $3,031,663 and in Tropic Isle $2,686,583.
Lake Ida and the northeast
Single-family streets around Lake Ida, with Lake Ida Park at $2,081,769 and Del Ida Park at $1,588,075.
West of I-95 to the Turnpike
Planned communities, villas and condos. Values ranged from $91,446 in Kings Point to $496,537 in Rainberry Lake. Nearby options include Boynton Beach to the north and Boca Raton to the south.
Local property checks before you commit
- Property tax: the 2025 total rate was 18.4500 mills inside the city and 19.4500 in the downtown district, against 16.2652 in unincorporated Palm Beach County. See our Palm Beach County property tax guide.
- Homestead: file with the Property Appraiser by March 1 after you move in. Delray Beach is one of only two Palm Beach County cities to adopt the long-term resident senior exemption on its portion of the bill.
- Flood: the city earned a Community Rating System Class 6 in 2020, worth a 20% flood insurance discount in high-risk zones; ask your insurer for the current class. NFIP policies take 30 days to start.
- Insurance: the Palm Beach County average homeowners premium was $6,614 in state data as of September 2024.
- New builds: see new construction in Delray Beach for impact fees and builder checks.
How to choose a Delray Beach real estate agent
We do not rank agents or name a "best" realtor. Use these checks instead.
Questions that show local depth
Ask how many Delray Beach sales they closed in the past year and where. Ask whether they have handled 55+ association approvals, downtown condos or homes east of the Intracoastal, and how their recent listings sold against list price and the 98-day metro average.
How commission works now
No law sets a Florida commission rate; it is negotiated. Since August 17, 2024, buyers sign a written agreement setting their agent's pay before touring, and buyer-agent compensation no longer appears on the MLS. Our commission guide explains the options.
Verify the license
Search the agent's name on the Florida DBPR license lookup to confirm an active license and any discipline.
Delray Beach market questions answered
Are home prices dropping in Delray Beach, Florida?
Not on the latest figures. Zillow's typical value was $343,049 in August 2026, up 0.2% on a year earlier after a 7.9% fall the year before. The picture splits by ZIP: 33483 rose 5.9% and 33444 rose 5.5%, while 33484 fell 6.4%.
What percentage do most realtors charge in Florida?
There is no standard rate. Commission is set in each listing and buyer agreement, and each side's fee is negotiated separately, so ask for the number in writing before you sign.
How much does a realtor make off a $300,000 house?
It depends on the agreed rate and the split with the brokerage. A 2.5% fee on $300,000 is $7,500 and 3% is $9,000, paid to the brokerage, which then pays the agent their share.
Is Delray Beach considered a wealthy area?
On Census figures, it sits close to the county average. The 2020-2024 American Community Survey put Delray Beach's median household income at $82,041, against $83,581 for Palm Beach County, and the median owner-occupied home value at $420,300.
Common questions
Is Bright Florida Homes a real estate brokerage?+
No. Bright Florida Homes is an information and enquiry service. We publish guides on Delray Beach and other Florida cities and, if you ask, introduce you to a licensed local agent. We do not list or sell homes ourselves, and the agent you choose sets their own terms with you in writing.
How long does it take to sell a house in Delray Beach?+
Across the Miami-Fort Lauderdale-West Palm Beach metro, homes took about 98 days on average to go under contract in August 2026, according to Zillow. Add a typical 30 to 45 day closing period after that. Well-priced homes in popular areas can move faster, and 55+ association approvals can add time.
Is my Delray Beach address inside city limits?+
Not necessarily. Several communities west of the city, including Kings Point and Seven Bridges, use a Delray Beach mailing address but are not in the city. Look up the parcel on the Palm Beach County Property Appraiser site; the taxing district shown there tells you which government taxes and serves the home.
What is the property tax rate in Delray Beach?+
The 2025 total millage inside Delray Beach was 18.4500 mills, or 19.4500 within the Downtown Development Authority district. That is $18.45 per $1,000 of taxable value after exemptions. Unincorporated Palm Beach County was 16.2652 mills, so the same home can carry a different bill a short drive away.
Is Delray Beach cheaper than Boca Raton?+
On Zillow's August 2026 figures, yes. The typical home value was $343,049 in Delray Beach against $576,824 in Boca Raton, and typical rent was $2,841 against $2,949. The typical value mixes condos and houses, so compare the same type of home in each city.
Can you recommend the best realtor in Delray Beach?+
We do not rank agents or name a best realtor. If you tell us what you are buying or selling, we can introduce you to a licensed local agent. Interview more than one, check their license on the DBPR lookup, and ask for their recent Delray Beach sales.
Sources
- Zillow Research: Home Value Index, rent index and market data (August 2026)
- Freddie Mac: Primary Mortgage Market Survey (week of September 24, 2026)
- U.S. Census Bureau: City and town population estimates, Vintage 2025
- Census Reporter: ACS 2020-2024 5-year data for Delray Beach and Palm Beach County
- Wikipedia: Delray Beach, Florida (area)
- Wikipedia: Kings Point, Florida
- Bright Florida Homes: Palm Beach County property tax guide (2025 millage)
- City of Delray Beach: Municipal beach
- City of Delray Beach: King tides
- City of Delray Beach: CRS Class 6 announcement (2020)
- Tri-Rail: Delray Beach station
- Great Florida Insurance: Florida home insurance rates by county (OIR data)
- FEMA: Flood insurance
- Florida Legislature: Section 720.401, HOA disclosure summary
- Florida DBPR: License search