Palm Coast is also nautical, which means that parts of it are somewhat historic and touch the ocean or tidal bodies of water, such as inlets and bays. Quite often, nautical areas such as these attract visitors and locals who come to enjoy the scenery and various waterfront activities.

The overall education level of Palm Coast is somewhat higher than in the average US city of 21.84%: 28.78% of adults 25 and older in the city have at least a bachelor's degree.

The per capita income in Palm Coast in 2022 was $39,634, which is middle income relative to Florida, and upper middle income relative to the rest of the US. This equates to an annual income of $158,536 for a family of four. However, Palm Coast contains both very wealthy and poor people as well.

Palm Coast is a very ethnically-diverse city. The people who call Palm Coast home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Palm Coast residents report their race to be White, followed by Black or African-American. Palm Coast also has a sizeable Hispanic population (people of Hispanic origin can be of any race). People of Hispanic or Latino origin account for 13.16% of the city鈥檚 residents. Important ancestries of people in Palm Coast include Irish, German, English, Italian, and Polish.

Foreign born people are also an important part of Palm Coast's cultural character, accounting for 15.14% of the city鈥檚 population.

The most common language spoken in Palm Coast is English. Other important languages spoken here include Spanish and Portuguese.