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City · 11,377 residents · Brevard County, Florida

Cocoa Beach , Florida

In Cocoa Beach, a typical home is worth $503,200 and typical rent is $1,569 a month. Compared with all of Brevard County, the typical home value is 48% higher and typical household income is 12% higher.

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  • Typical home value

    $503,200

    48% above the county

    40% above Florida

    • Cocoa Beach
    • Brevard
    • Florida

  • Typical rent

    $1,569a month

    About the same as the county

    6% below Florida

    • Cocoa Beach
    • Brevard
    • Florida

  • Typical household income

    $87,990a year

    12% above the county

    18% above Florida

    • Cocoa Beach
    • Brevard
    • Florida

  • Households that own their home

    79%

    2 points above the county

    11 points above Florida

    • Cocoa Beach
    • Brevard
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$456,162
about the same as 12 months ago
Typical rent
$2,496 a month
5.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cocoa Beach is in Brevard County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Brevard County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cocoa Beach apart

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

  1. The typical home in Cocoa Beach is worth $503,200, 48% more than in Brevard County as a whole ($339,600).

  2. Nearby, in Rockledge, the typical home value is $338,100: 33% less than in Cocoa Beach ($503,200).

  3. Nearby, in Cape Canaveral, the typical rent is $1,318: 16% less than in Cocoa Beach ($1,569).

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

The homes here

Housing in Cocoa Beach

What homes there are in Cocoa Beach, 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

Many people here live in apartments: 6 in 10 homes; in Brevard County, 2.

Year built

The typical home in Cocoa Beach was built in 1975, 13 years before the typical one in Brevard County.

There are fewer big homes in Cocoa Beach than in Brevard County: 43% have 3 bedrooms or more, against 67%.

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
Monthly rent with utilities

With a mortgage

$2,312 a month

Brevard County: $1,805 a month

Without a mortgage

$952 a month

Brevard County: $608 a month

Owners with a mortgage

46%

Brevard County: 56%

In Cocoa Beach, 46% of owners have a mortgage, and their typical cost is $2,312 a month, against $1,805 in Brevard County. Without one it drops to $952.

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

From 2015–2019 to 2020–2024, the typical home value in Cocoa Beach rose 58%; in Brevard County, it rose 73%.

Rents in Cocoa Beach rose more slowly than in Brevard County: 31% since 2015–2019, against 46%.

While home values in Cocoa Beach changed +58% and rent +31%, the typical household income rose 50%.

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

MeasureCocoa BeachBrevard CountyFloridaUnited States
Rental vacancy Unreliable estimate10.8%7.6%5.5%
Homeowner vacancy Unreliable estimate1.0%1.4%0.9%
More than one person per room Unreliable estimate1.5%3.3%3.4%
People per household 1.892.422.512.53
Drive alone 69%75%70%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 25%15%16%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Cocoa Beach are smaller: 1.89 people on average; in Brevard County, 2.42.

Working from home is more common in Cocoa Beach: 25%, against 15% in Brevard County.

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 Cocoa Beach?

A typical home costs more than the typical income allows

We start with a typical home in Cocoa Beach, worth $503,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in Cocoa Beach, which is $87,990 a year. For that payment to be 28% of income, a household would need to earn about $174,372 a year.

The calculator's FHA and conventional loan limits are those of all of Brevard County.

Your numbers

Local data
$

Starts at the typical home value in Cocoa Beach. 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 $17,612 (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

$4,069

at 7.18% · 30 years

Loan amount
$494,086
Total interest
$710,874
Paid off in
November 2056

Includes $8,498 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,053 a month

  • Tight

    $2,053 to $2,640 a month

  • Hard

    more than $2,640 a month

    Your payment · 55%

Compared with the typical household income in Cocoa Beach ($87,990 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,069
Principal & interest$3,347
Property tax$289
Home insurance$210
FHA mortgage insurance (MIP)$223

You need at least $17,612 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

Cocoa Beach and Brevard County

Cocoa Beach is in Brevard 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).

Cocoa Beach's own numbers

Typical home value
$503,200
Typical monthly rent
$1,569
Typical yearly household income
$87,990
Households that own their home
79%
Effective property tax rate
0.69%

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

Numbers for all of Brevard County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,779
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
6.9%

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 Brevard County.

Everything about Brevard County

Buying

Buying a home in Cocoa Beach

A typical home in Cocoa Beach is worth $503,200: 48% above the county and 40% above Florida. With the typical household income in Cocoa Beach ($87,990 a year), a typical home costs 5.7 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.

  • Cocoa Beach 5.7 years
  • Brevard 4.3 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Brevard County

According to FHFA’s house price index, home prices in Brevard County rose 135% in the 10 years through 2025.

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

Period County Florida U.S.
Last year (2025) −0.8% −0.5% +2.9%
5 years (2020–2025) +54% +60% +47%
10 years (2015–2025) +135% +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

Cocoa Beach next to Brevard 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
  • Cocoa Beach $503,200
  • Brevard $339,600
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Cocoa Beach $1,569
  • Brevard $1,556
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Cocoa Beach $87,990
  • Brevard $78,476
  • Florida $74,568
  • United States $80,734
See the full table
Cocoa Beach next to Brevard County and Florida
Measure Cocoa Beach Brevard County Florida U.S.
Typical home value $503,200 $339,600 $359,000 $332,700
Typical monthly rent $1,569 $1,556 $1,669 $1,413
Typical yearly household income $87,990 $78,476 $74,568 $80,734
Households that own their home 79% 77% 68% 65%
Typical yearly property tax $3,481 $2,311 $2,730 $3,119
Effective property tax rate 0.69% 0.68% 0.76% 0.94%
Renters with high rent for their income 56% 56% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Brevard 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 Cocoa Beach

For a typical $503,200 home in Cocoa Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cocoa Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,069a month

    Least cash to close
    Down payment
    $17,612
    Cash to close
    $32,708
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $223

  • Conventional, 5% down $3,976a month

    Down payment
    $25,160
    Cash to close
    $40,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $239

  • Conventional, 20% down, no PMI $3,226a month

    Down payment
    $100,640
    Cash to close
    $115,736
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,691a month

    Down payment
    $75,480
    Cash to close
    $90,576
    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 Cocoa Beach and for Brevard County.

Property tax

Effective rate in Cocoa Beach

0.69%of the home’s value each year

$3,481 a year for the typical owner in Cocoa Beach.

  • Cocoa Beach 0.69%
  • Brevard 0.68%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Brevard County

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

Homes in the high-risk zone
6.9%
17,068
Of those, with NFIP insurance
47%
County Florida U.S.
Homes in the high-risk zone 6.9% 13% 3.5%
Of those, with NFIP insurance 47% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cocoa Beach

Typical rent in Cocoa Beach is $1,569 a month: about the same as the county. In Cocoa Beach, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Brevard County, by unit size. To pay the 2-bedroom one ($1,779 a month) without spending more than 30% of your income, you would need to earn $34.21 an hour working full time.

HUD fair market rent for all of Brevard 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 $1,327 $25.52 $53,080
1 bedroom $1,525 $29.33 $61,000
2 bedrooms $1,779 $34.21 $71,160
3 bedrooms $2,382 $45.81 $95,280
4 bedrooms $2,707 $52.06 $108,280

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

By ZIP code

Fair market rent by ZIP code in Cocoa Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cocoa Beach is in ZIP code 32931.

For 2 bedrooms it is $1,870: $91 more than the fair market rent for Brevard County ($1,779).

  • 32931 $1,870$2,500

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cocoa Beach when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Cocoa Beach

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 is 1 HUD-approved agency with an office in Brevard County; none says it serves in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Cocoa Beach

No down payment, repair or rent-help program on our list is for Cocoa Beach or Brevard County. The ones below are statewide in Florida: they work in Cocoa Beach the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Cocoa Beach

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

  • Community Housing Initiative, Inc

    3033 College Wood Dr, Melbourne · 12 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (321) 253-0053

  • Catholic Charities of Central Florida

    1819 N Semoran Blvd, Orlando · 45 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (407) 658-1818

  • University of Florida/Florida Cooperative Extension - Osceola County Cooperative Extension Service

    1921 Kissimmee Valley Ln, Kissimmee · 45 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (321) 697-3000

Every agency in Brevard County All counseling agencies in Florida

Help in Spanish near Cocoa Beach

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 Cocoa Beach

HUD’s record names them for Cocoa Beach or Brevard County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Brevard County Public housing and Section 8 vouchers (321) 775-1578

3 other authorities have an office in Brevard County: see the list Source: HUD

Cities

Other cities in Brevard County

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

Everything about Brevard County Housing in Florida
See 6 more cities in Brevard County, with prices and rents

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

Nearby cities

The cities closest to Cocoa Beach, with the typical home value.

Neighboring counties

If Brevard 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 Cocoa Beach.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Cocoa Beach

Short answers with the numbers for Cocoa Beach and all of Brevard 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 Cocoa Beach?

The typical home value in Cocoa Beach is $503,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Brevard County it is $339,600.

How much does it cost to rent in Cocoa Beach?

Typical rent in Cocoa Beach is $1,569 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Brevard County is $1,779.

What is the FHA loan limit in Cocoa Beach?

Cocoa Beach uses the FHA limit for all of Brevard County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Cocoa Beach?

The typical homeowner in Cocoa Beach pays $3,481 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Brevard County, the rate is 0.68%.

Where can I find free help to buy or rent in Cocoa Beach?

There is 1 HUD-approved counseling agency with an office in Brevard County. 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); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); 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).