Español

Este sitio también está en español. Leer en español

City · 5,923 residents · Brevard County, Florida

Cocoa West , Florida

In Cocoa West, a typical home is worth $158,700 and typical rent is $1,162 a month. Compared with all of Brevard County, typical household income is 57% lower, the typical home value is 53% lower, and the share of households that own their home is 23 points lower.

WhatsApp

  • Typical home value

    $158,700

    53% below the county

    56% below Florida

    • Cocoa West
    • Brevard
    • Florida

  • Typical rent

    $1,162a month

    25% below the county

    30% below Florida

    • Cocoa West
    • Brevard
    • Florida

  • Typical household income

    $34,126a year

    57% below the county

    54% below Florida

    • Cocoa West
    • Brevard
    • Florida

  • Households that own their home

    54%

    23 points below the county

    14 points below Florida

    • Cocoa West
    • Brevard
    • Florida

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

Cocoa West 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 West apart

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

  1. Cocoa West has the 3rd lowest typical household income of the 480 cities in Florida with more than 5,000 people ($34,126).

  2. 54% of households in Cocoa West own their home, against 77% in Brevard County.

  3. The typical home in Cocoa West is worth $158,700, 53% less than in Brevard County as a whole ($339,600).

  4. The typical rent in Cocoa West is $1,162 a month, 25% less than in Brevard County as a whole ($1,556).

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

The homes here

Housing in Cocoa West

What homes there are in Cocoa West, 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 is still the most common home in Cocoa West, but it weighs less than in Brevard County: 59% against 66%.

There are more mobile homes here than in Brevard County: 24% of homes, against 7%.

Year built

In Cocoa West, half of the homes were built before 1974; in Brevard County, before 1988.

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

$1,407 a month

Brevard County: $1,805 a month

Without a mortgage

$345 a month

Brevard County: $608 a month

Owners with a mortgage

37%

Brevard County: 56%

In Cocoa West, 37% of owners have a mortgage, and their typical cost is $1,407 a month, against $1,805 in Brevard County. Without one it drops to $345.

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

The typical home value in Cocoa West rose 59% since 2015–2019, less than in Brevard County (73%).

Since 2015–2019, the typical rent in Cocoa West rose 30%, less than in Brevard County (46%).

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 WestBrevard 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 2.232.422.512.53
Drive alone 85%75%70%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate15%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 West are smaller: 2.23 people on average; in Brevard County, 2.42.

The car rules in Cocoa West: 85% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 West?

A typical home costs more than the typical income allows

We start with a typical home in Cocoa West, worth $158,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Cocoa West, which is $34,126 a year. For that payment to be 28% of income, a household would need to earn about $55,504 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 West. 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 $5,555 (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

$1,295

at 7.18% · 30 years

Loan amount
$155,825
Total interest
$224,196
Paid off in
November 2056

Includes $2,680 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $796 a month

  • Tight

    $796 to $1,024 a month

  • Hard

    more than $1,024 a month

    Your payment · 46%

Compared with the typical household income in Cocoa West ($34,126 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,295
Principal & interest$1,056
Property tax$103
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,555 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 West and Brevard County

Cocoa West 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 West's own numbers

Typical home value
$158,700
Typical monthly rent
$1,162
Typical yearly household income
$34,126
Households that own their home
54%
Effective property tax rate
0.78%

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 West

A typical home in Cocoa West is worth $158,700: 53% below the county and 56% below Florida. With the typical household income in Cocoa West ($34,126 a year), a typical home costs 4.7 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 West 4.7 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 West 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 West $158,700
  • Brevard $339,600
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Cocoa West $1,162
  • Brevard $1,556
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Cocoa West $34,126
  • Brevard $78,476
  • Florida $74,568
  • United States $80,734
See the full table
Cocoa West next to Brevard County and Florida
Measure Cocoa West Brevard County Florida U.S.
Typical home value $158,700 $339,600 $359,000 $332,700
Typical monthly rent $1,162 $1,556 $1,669 $1,413
Typical yearly household income $34,126 $78,476 $74,568 $80,734
Households that own their home 54% 77% 68% 65%
Typical yearly property tax $1,239 $2,311 $2,730 $3,119
Effective property tax rate 0.78% 0.68% 0.76% 0.94%
Renters with high rent for their income 71% 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 West

For a typical $158,700 home in Cocoa West, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cocoa West's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,295a month

    Least cash to close
    Down payment
    $5,555
    Cash to close
    $10,316
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,266a month

    Down payment
    $7,935
    Cash to close
    $12,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $1,029a month

    Down payment
    $31,740
    Cash to close
    $36,501
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,176a month

    Down payment
    $23,805
    Cash to close
    $28,566
    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 West and for Brevard County.

Property tax

Effective rate in Cocoa West

0.78%of the home’s value each year

$1,239 a year for the typical owner in Cocoa West.

  • Cocoa West 0.78%
  • 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 West

Typical rent in Cocoa West is $1,162 a month: 25% below the county. In Cocoa West, 71% 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 West

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cocoa West has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,310 in 32922 to $1,570 in 32926.

None is above the fair market rent for Brevard County ($1,779).

  • 32922 $1,310$1,750
  • 32926 $1,570$2,100

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cocoa West 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 West

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.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Cocoa West

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Cocoa West

The HUD-approved agencies closest to the center of Cocoa West, 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 · 14 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 · 36 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 · 36 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 West

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 West

HUD’s record names them for Cocoa West 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 West, 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 West.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Cocoa West

Short answers with the numbers for Cocoa West 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 West?

The typical home value in Cocoa West is $158,700, 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 West?

Typical rent in Cocoa West is $1,162 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 West?

Cocoa West 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 West?

The typical homeowner in Cocoa West pays $1,239 a year, according to the U.S. Census Bureau. That is 0.78% 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 West?

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).