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City · 19,554 residents · Brevard County, Florida

Cocoa , Florida

In Cocoa, a typical home is worth $246,100 and typical rent is $1,274 a month. Compared with all of Brevard County, the typical home value is 28% lower, typical household income is 20% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $246,100

    28% below the county

    31% below Florida

    • Cocoa
    • Brevard
    • Florida

  • Typical rent

    $1,274a month

    18% below the county

    24% below Florida

    • Cocoa
    • Brevard
    • Florida

  • Typical household income

    $63,105a year

    20% below the county

    15% below Florida

    • Cocoa
    • Brevard
    • Florida

  • Households that own their home

    64%

    13 points below the county

    4 points below Florida

    • Cocoa
    • Brevard
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$297,053
0.5% more than 12 months ago
Typical rent
$1,778 a month
3.6% more than 12 months ago

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

Cocoa 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 apart

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

  1. Nearby, in Cocoa West, the typical home value is $158,700: 36% less than in Cocoa ($246,100).

  2. The typical home in Cocoa is worth $246,100, 28% less than in Brevard County as a whole ($339,600).

  3. 64% of households in Cocoa own their home, against 77% in Brevard County.

  4. The typical household income in Cocoa is $63,105, 20% less than in Brevard County as a whole ($78,476).

  5. The typical rent in Cocoa is $1,274 a month, 18% less than in Brevard County as a whole ($1,556).

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

The homes here

Housing in Cocoa

What homes there are in Cocoa, 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

Detached houses are the majority in Cocoa (62%), but less so than in Brevard County (66%).

Year built

Homes in Cocoa are older: the typical year built is 1975; in Brevard County, 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

About 92% of owner-occupied homes in Cocoa are worth less than the FHA loan limit for Brevard County ($541,287).

Monthly rent with utilities

With a mortgage

$1,424 a month

Brevard County: $1,805 a month

Without a mortgage

$533 a month

Brevard County: $608 a month

Owners with a mortgage

54%

Brevard County: 56%

Owning costs less in Cocoa: with a mortgage, the typical cost is $1,424 a month; in Brevard County, $1,805. Without one, $533.

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 rose 113%; in Brevard County, it rose 73%.

Rents in Cocoa rose faster than in Brevard County: 54% since 2015–2019, against 46%.

To compare: typical income in Cocoa rose 62%; the home, +113%; the rent, +54%.

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

MeasureCocoaBrevard CountyFloridaUnited States
Rental vacancy 24.0%10.8%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 2.292.422.512.53
Drive alone 73%75%70%69%
Carpool 11%7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 9%15%16%15%
Other means Unreliable estimate1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Cocoa: 24.0% is empty and offered for rent, against 10.8% in Brevard County.

Fewer people live in each home here: 2.29 on average, against 2.42 in Brevard County.

More people carpool to work in Cocoa than in Brevard County: 11% against 7%.

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?

A typical home costs more than the typical income allows

We start with a typical home in Cocoa, worth $246,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Cocoa, which is $63,105 a year. For that payment to be 28% of income, a household would need to earn about $85,104 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. 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 $8,614 (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

$1,986

at 7.18% · 30 years

Loan amount
$241,642
Total interest
$347,666
Paid off in
November 2056

Includes $4,156 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,472 a month

  • Tight

    $1,472 to $1,893 a month

  • Hard

    more than $1,893 a month

    Your payment · 38%

Compared with the typical household income in Cocoa ($63,105 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,986
Principal & interest$1,637
Property tax$137
Home insurance$103
FHA mortgage insurance (MIP)$109

You need at least $8,614 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 and Brevard County

Cocoa 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's own numbers

Typical home value
$246,100
Typical monthly rent
$1,274
Typical yearly household income
$63,105
Households that own their home
64%
Effective property tax rate
0.67%

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

A typical home in Cocoa is worth $246,100: 28% below the county and 31% below Florida. With the typical household income in Cocoa ($63,105 a year), a typical home costs 3.9 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 3.9 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 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 $246,100
  • Brevard $339,600
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Cocoa $1,274
  • Brevard $1,556
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Cocoa $63,105
  • Brevard $78,476
  • Florida $74,568
  • United States $80,734
See the full table
Cocoa next to Brevard County and Florida
Measure Cocoa Brevard County Florida U.S.
Typical home value $246,100 $339,600 $359,000 $332,700
Typical monthly rent $1,274 $1,556 $1,669 $1,413
Typical yearly household income $63,105 $78,476 $74,568 $80,734
Households that own their home 64% 77% 68% 65%
Typical yearly property tax $1,645 $2,311 $2,730 $3,119
Effective property tax rate 0.67% 0.68% 0.76% 0.94%
Renters with high rent for their income 62% 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

For a typical $246,100 home in Cocoa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cocoa's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,986a month

    Least cash to close
    Down payment
    $8,614
    Cash to close
    $15,997
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $109

  • Conventional, 5% down $1,941a month

    Down payment
    $12,305
    Cash to close
    $19,688
    Rate
    7.18%
    Mortgage insurance
    PMI · $117

  • Conventional, 20% down, no PMI $1,574a month

    Down payment
    $49,220
    Cash to close
    $56,603
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,801a month

    Down payment
    $36,915
    Cash to close
    $44,298
    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 and for Brevard County.

Property tax

Effective rate in Cocoa

0.67%of the home’s value each year

$1,645 a year for the typical owner in Cocoa.

  • Cocoa 0.67%
  • 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

Typical rent in Cocoa is $1,274 a month: 18% below the county. In Cocoa, 62% 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

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

Low-income apartments

Low-income apartments in Cocoa

HUD lists 15 buildings with rents for lower incomes in Cocoa. These are the largest.

  • Cocoa Sunrise Terrace 828 Stone St, Cocoa 32922 183 low-income homes · For families (321) 507-4614
  • Pineda Village 828 Stone St, Cocoa 32922 160 homes, 144 low-income · For families (321) 626-8535
  • Westminster Asbury South 1430 Dixon Blvd, Cocoa 32922 150 homes, 142 low-income · For older adults (321) 632-4943
  • Pineda Village Scattered Sites, Cocoa 32922 144 homes, 137 low-income · Studio: 23 · 1 bd: 46 · 2 bd: 28 · 3 bd: 41 · 4 bd: 6 · In service since 2018 · For families
  • Oak Meadows 1605 Flower Mound Ln, Cocoa 32922 120 low-income homes · 1 bd: 12 · 2 bd: 60 · 3 bd: 48 · In service since 2009 · For families

See all 54 buildings in Brevard County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cocoa

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Cocoa

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Cocoa

The HUD-approved agencies closest to the center of Cocoa, 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 · 15 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 · 37 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

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

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

  • Housing Authority of the City of Cocoa Public housing and Section 8 vouchers (321) 636-8535
  • Housing Authority of Brevard County Public housing and Section 8 vouchers (321) 775-1578

2 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, 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.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Cocoa

Short answers with the numbers for Cocoa 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?

The typical home value in Cocoa is $246,100, 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?

Typical rent in Cocoa is $1,274 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?

Cocoa 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?

The typical homeowner in Cocoa pays $1,645 a year, according to the U.S. Census Bureau. That is 0.67% 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?

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).