ZIP Code 33154 — Surfside town, FL Demographics & Data

ZIP code 33154 covers Surfside, FL in Miami-Dade County with a population of about 14,435.

At a glance, the area shows median age of 40.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 305, 645, 786; U.S. House district FL-24; the MIAMI - FT. LAUDERDALE media market.

Median household income in ZIP 33154 is about $87,806 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.6%; unemployment rate near 4.9%; 58.9% of adults with a bachelor’s degree or higher (about 25.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Professional services; about 21.0% of workers reporting work-from-home (about 5.8 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 $741,400 — about 113% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,084 (about 79% above the U.S. median rent ($1,163)), and owner-occupancy near 60.0% (about 5.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33154 in Surfside, FL, a household would need roughly $204,000 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 $4,763. That is about 132% above the local median household income ($87,806), 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 Surfside town, 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 Surfside town, FL show little to no average snow and around 57.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 646 for ZIP 33154 (Surfside town, 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.