ZIP Code 33785 — Indian Rocks Beach city, FL Demographics & Data

ZIP code 33785 covers Indian Rocks Beach, FL in Pinellas County with a population of about 4,871.

At a glance, the area shows median age of 58.1 versus a U.S. median of about 38.9.

It sits in telephone area code 727; U.S. House district FL-13; the TAMPA - ST. PETE (SARASOTA) media market.

Indian Rocks Beach, FL matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 33785 is about $98,750 — about 31% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.7%; unemployment rate near 5.4%; 46.3% of adults with a bachelor’s degree or higher (about 12.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Professional services, and Healthcare; about 29.3% of workers reporting work-from-home (about 14.1 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 $689,500 — about 98% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,464 (about 26% above the U.S. median rent ($1,163)), and owner-occupancy near 77.5% (about 12.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33785 in Indian Rocks Beach, FL, a household would need roughly $190,000 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 $4,429. That is about 92% above the local median household income ($98,750), 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 Indian Rocks Beach city, FL as Relatively High (composite score 98.2), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.9) and flood (96.9). 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 Indian Rocks Beach city, FL show little to no average snow and around 53.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 218 for ZIP 33785 (Indian Rocks Beach 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.