In Cortez, a typical home is worth $392,200 and typical rent is $1,894 a month. Compared with all of Manatee County, typical rent is 13% higher and the share of households that own their home is 13 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $649,801 to $781,276.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cortez is in Manatee County. The FHA loan limit ($547,400 for a one-unit home), the fair market rents and the help on this page are those of all of Manatee County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in South Bradenton, the typical home value is $167,200: 57% less than in Cortez ($392,200).
2
Nearby, in South Bradenton, the typical rent is $1,244: 34% less than in Cortez ($1,894).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Cortez rose 4.7%; in Florida, it fell 0.9%.
4
87% of households in Cortez own their home, against 74% in Manatee County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Cortez
What homes there are in Cortez, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Cortez
Manatee County
Florida
United States
Kind of home: Cortez and its comparisons
Measure
Cortez
Manatee County
Florida
United States
Detached house
36%
54%
55%
61%
Attached house
14%
7%
7%
6%
Building of 2 to 4
8%
6%
6%
8%
Apartments (5 or more)
Unreliable estimate
19%
25%
19%
Mobile home
30%
14%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Cortez there is a bit of everything: no kind of home reaches half. The most common are detached houses (36%); in Manatee County, 54%.
In Cortez there are many mobile homes: 30% of homes; in Manatee County, 14%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Cortez
Manatee County
Florida
United States
Year built: Cortez and its comparisons
Measure
Cortez
Manatee County
Florida
United States
Before 1960
8%
8%
10%
26%
1960–1979
56%
25%
24%
24%
1980–1999
28%
28%
34%
25%
2000–2009
6%
17%
18%
14%
2010 or later
Unreliable estimate
22%
14%
11%
In Cortez, half of the homes were built before 1975; in Manatee County, before 1991.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K10%
$200K–$300KUnreliable
$300K–$500K27%
$500K–$750K22%
$750K–$1MUnreliable
$1M or more6%
Value of owner-occupied homes: Cortez and its comparisons
Measure
Cortez
Under $100K
Unreliable estimate
$100K–$200K
10%
$200K–$300K
Unreliable estimate
$300K–$500K
27%
$500K–$750K
22%
$750K–$1M
Unreliable estimate
$1M or more
6%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,49926%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cortez and its comparisons
Measure
Cortez
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
26%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,487 a month
Manatee County: $2,079 a month
Without a mortgage
$855 a month
Manatee County: $706 a month
Owners with a mortgage
37%
Manatee County: 51%
Owning costs more in Cortez: with a mortgage, the typical cost is $2,487 a month; in Manatee County, $2,079. Without one, $855.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cortez+36%
Manatee County+64%
Florida+67%
United States+53%
Typical rent
Cortez+56%
Manatee County+46%
Florida+42%
United States+33%
Typical household income
Cortez+50%
Manatee County+33%
Florida+34%
United States+29%
Change since 2015–2019: Cortez and its comparisons
Measure
Cortez
Manatee County
Florida
United States
Typical home value
+36%
+64%
+67%
+53%
Typical rent
+56%
+46%
+42%
+33%
Typical household income
+50%
+33%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Cortez rose 36%; in Manatee County, it rose 64%.
Since 2015–2019, the typical rent in Cortez rose 56%, more than in Manatee County (46%).
The typical household income in Cortez rose 50% over that time; home values changed +36% and rent +56%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cortez and its comparisons
Measure
Cortez
Manatee County
Florida
United States
Rental vacancy
Unreliable estimate
14.1%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
2.0%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.5%
3.3%
3.4%
People per household
2.05
2.40
2.51
2.53
Drive alone
73%
70%
70%
69%
Carpool
Unreliable estimate
10%
9%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
15%
16%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Cortez has 2.05 people, fewer than in Manatee County (2.40).
To get to work, 73% of workers in Cortez drive alone; in Manatee County, 70%.
Do the math
What would you pay each month for a home in Cortez?
A typical home costs more than the typical income allows
We start with a typical home in Cortez, worth $392,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Cortez, which is $79,895 a year. For that payment to be 28% of income, a household would need to earn about $137,168 a year.
The calculator's FHA and conventional loan limits are those of all of Manatee County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Cortez. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $13,727 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,201
at 7.18% · 30 years
Loan amount
$385,096
Total interest
$554,063
Paid off in
November 2056
Includes $6,623 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,864 a month
Tight
$1,864 to $2,397 a month
Hard
more than $2,397 a month
Your payment · 48%
Compared with the typical household income in Cortez ($79,895 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,609
Property tax
$255
Home insurance
$163
FHA mortgage insurance (MIP)
$173
You need at least $13,727 for the down payment, plus closing costs.
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.
Total monthly payment $3,201; principal and interest $2,609.
The city and its county
Cortez and Manatee County
Cortez is in Manatee 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).
Cortez
Map of Manatee County, Florida, with Cortez marked. Around it, the neighboring counties.
Cortez
Manatee County
Other cities with a page
Cortez's own numbers
Typical home value
$392,200
Typical monthly rent
$1,894
Typical yearly household income
$79,895
Households that own their home
87%
Effective property tax rate
0.78%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Manatee County
FHA limit, one-unit home
$547,400
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,188
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
23%
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 Manatee County.
A typical home in Cortez is worth $392,200: about the same as the county and 9% above Florida. With the typical household income in Cortez ($79,895 a year), a typical home costs 4.9 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.
Cortez4.9 years
Manatee5.0 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Manatee County
According to FHFA’s house price index, home prices in Manatee County rose 130% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Manatee County.
Yearly change in FHFA’s price index in Manatee County, 2016 to 2025
2016: +9.8% +9.8% 2016
2017: +8.4% +8.4% 2017
2018: +6.7% +6.7% 2018
2019: +4.1% +4.1% 2019
2020: +5.2% +5.2% 2020
2021: +18.1% +18.1% 2021
2022: +28.2% +28.2% 2022
2023: +8.7% +8.7% 2023
2024: +3.7% +3.7% 2024
2025: −3.0% −3.0% 2025
Change in FHFA’s price index in Manatee County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−3.0%
−0.5%
+2.9%
5 years (2020–2025)
+66%
+60%
+47%
10 years (2015–2025)
+130%
+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
Cortez next to Manatee 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
Cortez$392,200
Manatee$391,400
Florida$359,000
United States$332,700
Typical monthly rent
Cortez$1,894
Manatee$1,671
Florida$1,669
United States$1,413
Typical yearly household income
Cortez$79,895
Manatee$78,457
Florida$74,568
United States$80,734
See the full table
Cortez next to Manatee County and Florida
Measure
Cortez
Manatee County
Florida
U.S.
Typical home value
$392,200
$391,400
$359,000
$332,700
Typical monthly rent
$1,894 ▲13% above the county
$1,671
$1,669
$1,413
Typical yearly household income
$79,895
$78,457
$74,568
$80,734
Households that own their home
87% ▲13 points above the county
74%
68%
65%
Typical yearly property tax
$3,058
$3,047
$2,730
$3,119
Effective property tax rate
0.78%
0.78%
0.76%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Manatee 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 Cortez
For a typical $392,200 home in Cortez, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cortez's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,201a month
Least cash to close
Down payment
$13,727
Cash to close
$25,493
Rate
7.18%
Mortgage insurance
FHA MIP · $173
Conventional, 5% down$3,129a month
Down payment
$19,610
Cash to close
$31,376
Rate
7.18%
Mortgage insurance
PMI · $186
Conventional, 20% down, no PMI$2,544a month
Down payment
$78,440
Cash to close
$90,206
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,906a month
Down payment
$58,830
Cash to close
$70,596
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cortez
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,201
$13,727
$385,096
7.18%
FHA MIP · $173
$25,493
580
Conventional, 5% down
$3,129
$19,610
$372,590
7.18%
PMI · $186
$31,376
620*
Conventional, 20% down, no PMI
$2,544
$78,440
$313,760
7.18%
None
$90,206
620*
ITIN, 15% down (example)
$2,906
$58,830
$333,370
8.18%
None
$70,596
Set by the lender
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.
Typical rent in Cortez is $1,894 a month: 13% above the county.
HUD publishes a fair market rent for all of Manatee County, by unit size. To pay the 2-bedroom one ($2,188 a month) without spending more than 30% of your income, you would need to earn $42.08 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Manatee County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,749
$33.63
$69,960
1 bedroom
$1,876
$36.08
$75,040
2 bedrooms
$2,188
$42.08
$87,520
3 bedrooms
$2,775
$53.37
$111,000
4 bedrooms
$3,309
$63.63
$132,360
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 Cortez
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cortez has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,000 in 34210 to $2,150 in 34215.
None is above the fair market rent for Manatee County ($2,188).
Fair market rent by ZIP code and size in Cortez, fiscal year 2027.
34210
$1,600
$1,710
$2,000
$2,540
$3,020
34215
$1,710
$1,840
$2,150
$2,720
$3,240
ZIP code2 bd3 bd
34210 $2,000$2,540
34215 $2,150$2,720
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cortez 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 2 HUD-approved agencies with an office in Manatee County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Cortez or Manatee County. The ones below are statewide in Florida: they work in Cortez the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Cortez or Manatee County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Cortez and all of Manatee 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 Cortez?
The typical home value in Cortez is $392,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Manatee County it is $391,400.
How much does it cost to rent in Cortez?
Typical rent in Cortez is $1,894 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Manatee County is $2,188.
What is the FHA loan limit in Cortez?
Cortez uses the FHA limit for all of Manatee County (2026): $547,400 for a one-unit home and $1,052,700 for a four-unit home.
How much property tax do owners pay in Cortez?
The typical homeowner in Cortez pays $3,058 a year, according to the U.S. Census Bureau. That is 0.78% of the home’s value; in Manatee County, the rate is 0.78%.
Where can I find free help to buy or rent in Cortez?
There are 2 HUD-approved counseling agencies with an office in Manatee County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
