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Indian Rocks Beach city, FL

ZIP 33785 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33785

Median Home Value
$689,500
Median Rent
$1,464
Affordability Snapshot
$190,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,429/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

39.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33785 in Indian Rocks Beach city, 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.

Housing Tenure

Vacancy rate 57% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.5%+19% vs US avg
x
Vacancy Rate
57.3%+456% vs US avg
x
Broadband Access
90.6%+4% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
27.2%-45% vs US avg
x
Mortgage-Free
47.3%+24% vs US avg
x
$689,500
Home Value
$1,464
Rent
1980
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached18.8%
  • 1-unit attached8.3%
  • 2-9 units24.1%
  • 10+ units48.4%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$689,500
Median rent$1,464
Owner-occupied77.5%
Vacant57.3%
Price-to-income7.0x
Est. income to buy$190,000