West Volusia vs. Seminole County: Where Does Your Dollar Go Further?

💰 West Volusia vs. Seminole County: Where Does Your Dollar Go Further?

If you’re looking to move to Central Florida, you’ve likely found yourself torn between the polished, master-planned feel of Seminole County and the sprawling, natural beauty of West Volusia. Both offer an incredible lifestyle, but from a cost-of-living perspective, they serve different goals.

 As we move into 2026, let’s look at how the numbers stack up.

🏠 The Housing Market: Price vs. Space

The most significant difference between these two neighbors is the entry point for housing.

• Seminole County (Lake Mary, Sanford): Known for its proximity to Orlando’s major business hubs it often commands a higher median home price. In 2026, the average home value here sits around $400,000. You’re paying for convenience and highly developed infrastructure as well as a closer proximity to Orlando.
  
  
• West Volusia (DeLand, Orange City, Deltona, Debary): If you’re looking for more home for your dollar, Volusia is often the answer. Median home prices in West Volusia hover closer to $330,000. It’s often much easier to find larger homes or lot sizes whether you're looking for rural living or close proximity to food and shopping. There are plenty of comparable communities in both counties, but you'll find that it can be much pricier just a few miles south.
  
  

📉 Property Taxes & Insurance

While Florida has no state income tax, property taxes and insurance are the two "big" numbers to watch.

• Property Taxes: Generally, Volusia County has a slightly lower effective property tax rate (averaging 0.87%) compared to Seminole County (0.91%). On a $400,000 home, that’s a savings of a few hundred dollars a year—nothing life-changing, but every bit helps!
  
  
• Insurance: Because both West Volusia (DeLand/Orange City/Debary/Deltona) and Seminole County (Sanford/Lake Mary) are inland, insurance rates are generally more favorable than coastal areas. Expect annual premiums to range between $2,200 and $3,200, depending on the age of your roof and your home's construction.
  
  

🌳 The "Lifestyle Dividend"

Beyond the spreadsheets, you have to consider what you get for your money.

Seminole County offers an "urban-suburban" blend. You’re paying for immediate access to transportation such as i-4, the Sanford International Airport and public transportation. You'll also find a much more diverse food and shopping experience along with meticulously well maintained public spaces.

West Volusia offers a "slower-paced" luxury. Here, your money buys you things like proximity to excellent walking trails and public parks, the infamous historic downtown DeLand, and the St. Johns River. It’s a region where you can avoid the Orlando traffic in for easier slightly further drives.

📊 Quick Comparison at a Glance 

The Bottom Line

Choosing between Volusia and Seminole isn't just about the cheapest price tag; it's about matching your budget to your preferred pace of life. Whether you want the sleek connectivity of Lake Mary or the historic, porch-swing charm of DeLand, there is a perfect spot for you in Central Florida.

If you'd like some more information about any of the specific cities consider checking out some of our linked YouTube videos below

Where to Move in Lake Mary, FL on YOUR Budget


Sanford (Near Orlando) Pros and Cons You Need to Hear!


Is DeBary, Florida Orlando's Best Suburb?


Moving to Deltona Florida? Here’s What You Need to Know