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City · 35,472 residents · Miami-Dade County, Florida

Biscayne Gardens , Florida

In Biscayne Gardens, a typical home is worth $414,800 and typical rent is $1,534 a month. Compared with all of Miami-Dade County, typical household income is 23% lower and typical rent is 16% lower.

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  • Typical home value

    $414,800

    10% below the county

    16% above Florida

    • Biscayne Gardens
    • Miami-Dade
    • Florida

  • Typical rent

    $1,534a month

    16% below the county

    8% below Florida

    • Biscayne Gardens
    • Miami-Dade
    • Florida

  • Typical household income

    $55,165a year

    23% below the county

    26% below Florida

    • Biscayne Gardens
    • Miami-Dade
    • Florida

  • Households that own their home

    53%

    1 points above the county

    15 points below Florida

    • Biscayne Gardens
    • Miami-Dade
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Biscayne Gardens is in Miami-Dade County. The FHA loan limit ($667,000 for a one-unit home), the fair market rents and the help on this page are those of all of Miami-Dade County. See the county

Data updated: October 1, 2026 9 official sources

Only here

What sets Biscayne Gardens apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Ojus, the typical home value is $337,500: 19% less than in Biscayne Gardens ($414,800).

  2. The typical household income in Biscayne Gardens is $55,165, 23% less than in Miami-Dade County as a whole ($71,753).

  3. The typical rent in Biscayne Gardens is $1,534 a month, 16% less than in Miami-Dade County as a whole ($1,829).

  4. Biscayne Gardens has the 38th largest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (73%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Biscayne Gardens

What homes there are in Biscayne Gardens, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Biscayne Gardens: 54% of homes, more than in Miami-Dade County (39%).

Year built

Homes in Biscayne Gardens are older: the typical year built is 1965; in Miami-Dade County, 1980.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

By price, most homes in Biscayne Gardens sit under the FHA limit for Miami-Dade County ($667,000): about 84%.

Monthly rent with utilities

With a mortgage

$2,038 a month

Miami-Dade County: $2,451 a month

Without a mortgage

$519 a month

Miami-Dade County: $815 a month

Owners with a mortgage

63%

Miami-Dade County: 59%

In Biscayne Gardens, 63% of owners have a mortgage, and their typical cost is $2,038 a month, against $2,451 in Miami-Dade County. Without one it drops to $519.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Biscayne Gardens does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Miami-Dade County the typical home value rose 60%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBiscayne GardensMiami-Dade CountyFloridaUnited States
Rental vacancy 4.5%5.5%7.6%5.5%
Homeowner vacancy Unreliable estimate1.2%1.4%0.9%
More than one person per room 11.4%7.2%3.3%3.4%
People per household 3.112.762.512.53
Drive alone 73%69%70%69%
Carpool 9%9%9%9%
Public transit 4%3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 10%14%16%15%
Other means 3%2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

In Biscayne Gardens, the rental vacancy rate is 4.5%; in Miami-Dade County, 5.5%.

In Biscayne Gardens, 11.4% of households live with more than one person per room, against 7.2% in Miami-Dade County.

Households in Biscayne Gardens are bigger: 3.11 people on average; in Miami-Dade County, 2.76.

To get to work, 73% of workers in Biscayne Gardens drive alone; in Miami-Dade County, 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Biscayne Gardens?

A typical home costs more than the typical income allows

We start with a typical home in Biscayne Gardens, worth $414,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 72% of the typical household income in Biscayne Gardens, which is $55,165 a year. For that payment to be 28% of income, a household would need to earn about $142,258 a year.

The calculator's FHA and conventional loan limits are those of all of Miami-Dade County.

Your numbers

Local data
$

Starts at the typical home value in Biscayne Gardens. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,518 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,319

at 7.18% · 30 years

Loan amount
$407,287
Total interest
$585,990
Paid off in
November 2056

Includes $7,005 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,287 a month

  • Tight

    $1,287 to $1,655 a month

  • Hard

    more than $1,655 a month

    Your payment · 72%

Compared with the typical household income in Biscayne Gardens ($55,165 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,319
Principal & interest$2,759
Property tax$204
Home insurance$173
FHA mortgage insurance (MIP)$183

You need at least $14,518 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Biscayne Gardens and Miami-Dade County

Biscayne Gardens is in Miami-Dade County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Biscayne Gardens's own numbers

Typical home value
$414,800
Typical monthly rent
$1,534
Typical yearly household income
$55,165
Households that own their home
53%
Effective property tax rate
0.59%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Miami-Dade County

FHA limit, one-unit home
$667,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,564
Price change over 5 years (FHFA)
+80%
Homes in a high flood-risk zone
40%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Miami-Dade County.

Everything about Miami-Dade County

Buying

Buying a home in Biscayne Gardens

A typical home in Biscayne Gardens is worth $414,800: 10% below the county and 16% above Florida. With the typical household income in Biscayne Gardens ($55,165 a year), a typical home costs 7.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Biscayne Gardens 7.5 years
  • Miami-Dade 6.5 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Miami-Dade County

According to FHFA’s house price index, home prices in Miami-Dade County rose 148% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Miami-Dade County.

Period County Florida U.S.
Last year (2025) +2.8% −0.5% +2.9%
5 years (2020–2025) +80% +60% +47%
10 years (2015–2025) +148% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Biscayne Gardens next to Miami-Dade County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Biscayne Gardens $414,800
  • Miami-Dade $463,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Biscayne Gardens $1,534
  • Miami-Dade $1,829
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Biscayne Gardens $55,165
  • Miami-Dade $71,753
  • Florida $74,568
  • United States $80,734
See the full table
Biscayne Gardens next to Miami-Dade County and Florida
Measure Biscayne Gardens Miami-Dade County Florida U.S.
Typical home value $414,800 $463,000 $359,000 $332,700
Typical monthly rent $1,534 $1,829 $1,669 $1,413
Typical yearly household income $55,165 $71,753 $74,568 $80,734
Households that own their home 53% 52% 68% 65%
Typical yearly property tax $2,468 $3,744 $2,730 $3,119
Effective property tax rate 0.59% 0.81% 0.76% 0.94%
Renters with high rent for their income 73% 64% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Miami-Dade County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Biscayne Gardens

For a typical $414,800 home in Biscayne Gardens, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Biscayne Gardens's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,319a month

    Least cash to close
    Down payment
    $14,518
    Cash to close
    $26,962
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $183

  • Conventional, 5% down $3,243a month

    Down payment
    $20,740
    Cash to close
    $33,184
    Rate
    7.18%
    Mortgage insurance
    PMI · $197

  • Conventional, 20% down, no PMI $2,625a month

    Down payment
    $82,960
    Cash to close
    $95,404
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,008a month

    Down payment
    $62,220
    Cash to close
    $74,664
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Biscayne Gardens and for Miami-Dade County.

Property tax

Effective rate in Biscayne Gardens

0.59%of the home’s value each year

$2,468 a year for the typical owner in Biscayne Gardens.

  • Biscayne Gardens 0.59%
  • Miami-Dade 0.81%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Miami-Dade County

FEMA does not publish these numbers by city: they are for all of Miami-Dade County.

Homes in the high-risk zone
40%
199,250
Of those, with NFIP insurance
74%
County Florida U.S.
Homes in the high-risk zone 40% 13% 3.5%
Of those, with NFIP insurance 74% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Biscayne Gardens

Typical rent in Biscayne Gardens is $1,534 a month: 16% below the county. In Biscayne Gardens, 73% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Miami-Dade County, by unit size. To pay the 2-bedroom one ($2,564 a month) without spending more than 30% of your income, you would need to earn $49.31 an hour working full time.

HUD fair market rent for all of Miami-Dade County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,953 $37.56 $78,120
1 bedroom $2,121 $40.79 $84,840
2 bedrooms $2,564 $49.31 $102,560
3 bedrooms $3,277 $63.02 $131,080
4 bedrooms $3,749 $72.10 $149,960

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Free help

Help to buy or rent in Biscayne Gardens

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 11 HUD-approved agencies with an office in Miami-Dade County; 9 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Biscayne Gardens

1 program is for Biscayne Gardens or Miami-Dade County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in Florida: they work in Biscayne Gardens the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Biscayne Gardens

The HUD-approved agencies closest to the center of Biscayne Gardens, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • NSC (naca Counseling Subsidiary) - N. Miami, FL

    656 NE 125th Street, North Miami · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (425) 602-6222

  • Nid-Hca Florida Felton

    610 NW 183rd St, Miami Gardens · 2 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (305) 652-7616

  • Housing Foundation of America

    11900 Biscayne Blvd, North Miami · 3 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (786) 842-3843

Every agency in Miami-Dade County All counseling agencies in Florida

Help in Spanish near Biscayne Gardens

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Biscayne Gardens

In HUD’s record, no housing authority with an office in Miami-Dade County is named for Biscayne Gardens or Miami-Dade County.

6 other authorities have an office in Miami-Dade County: see the list Source: HUD

Cities

Other cities in Miami-Dade County

These cities are also in Miami-Dade County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Miami-Dade County Housing in Florida
See 48 more cities in Miami-Dade County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Biscayne Gardens, with the typical home value.

Neighboring counties

If Miami-Dade County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Biscayne Gardens.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Biscayne Gardens

Short answers with the numbers for Biscayne Gardens and all of Miami-Dade County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Biscayne Gardens?

The typical home value in Biscayne Gardens is $414,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Miami-Dade County it is $463,000.

How much does it cost to rent in Biscayne Gardens?

Typical rent in Biscayne Gardens is $1,534 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Miami-Dade County is $2,564.

What is the FHA loan limit in Biscayne Gardens?

Biscayne Gardens uses the FHA limit for all of Miami-Dade County (2026): $667,000 for a one-unit home and $1,282,700 for a four-unit home.

How much property tax do owners pay in Biscayne Gardens?

The typical homeowner in Biscayne Gardens pays $2,468 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in Miami-Dade County, the rate is 0.81%.

Where can I find free help to buy or rent in Biscayne Gardens?

There are 11 HUD-approved counseling agencies with an office in Miami-Dade County. 9 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).