ZIP Code 33146 — Coral Gables city, FL Demographics & Data

ZIP code 33146 covers Coral Gables, FL in Miami-Dade County with a population of about 18,861.

At a glance, the area shows median age of 22.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 305, 645, 786; U.S. House district FL-27; the MIAMI - FT. LAUDERDALE media market.

Coral Gables, FL sits in a university / college context (near university of miami (0.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 33146 is about $124,712 — about 66% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.5%; unemployment rate near 4.5%; 75.3% of adults with a bachelor’s degree or higher (about 41.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Professional services, and Healthcare; about 27.6% of workers reporting work-from-home (about 12.4 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $1,141,800 — about 228% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,695 (about 132% above the U.S. median rent ($1,163)), and owner-occupancy near 60.4% (about 5.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33146 in Coral Gables, FL, a household would need roughly $314,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $7,335. That is about 152% above the local median household income ($124,712), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Coral Gables city, FL as Very High (composite score 99.6), which is among the highest nationally. The strongest component scores on US5 are hurricane (100.0) and flood (99.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Coral Gables city, FL show little to no average snow and around 51.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 844 for ZIP 33146 (Coral Gables city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.