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City · 28,506 residents · Miami-Dade County, Florida

Ives Estates , Florida

In Ives Estates, a typical home is worth $294,700 and typical rent is $2,110 a month. Compared with all of Miami-Dade County, the typical home value is 36% lower and typical rent is 15% higher.

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  • Typical home value

    $294,700

    36% below the county

    18% below Florida

    • Ives Estates
    • Miami-Dade
    • Florida

  • Typical rent

    $2,110a month

    15% above the county

    26% above Florida

    • Ives Estates
    • Miami-Dade
    • Florida

  • Typical household income

    $72,239a year

    About the same as the county

    3% below Florida

    • Ives Estates
    • Miami-Dade
    • Florida

  • Households that own their home

    57%

    5 points above the county

    11 points below Florida

    • Ives Estates
    • Miami-Dade
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$357,199
3.2% less than 12 months ago
Typical rent
$2,428 a month
2% more than 12 months ago

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

Ives Estates 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 11 official sources

Only here

What sets Ives Estates apart

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

  1. Nearby, in Pembroke Park, the typical home value is $105,300: 64% less than in Ives Estates ($294,700).

  2. The typical home in Ives Estates is worth $294,700, 36% less than in Miami-Dade County as a whole ($463,000).

  3. Nearby, in Pembroke Park, the typical rent is $1,556: 26% less than in Ives Estates ($2,110).

  4. The typical rent in Ives Estates is $2,110 a month, 15% more than in Miami-Dade County as a whole ($1,829).

  5. Ives Estates has the 31st largest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (74%).

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

The homes here

Housing in Ives Estates

What homes there are in Ives Estates, 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

In Ives Estates, the apartment is the most common kind of home: 61%, against 45% in Miami-Dade County.

Year built

The typical home in Ives Estates was built in 1985, 5 years after the typical one in Miami-Dade County.

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

$2,072 a month

Miami-Dade County: $2,451 a month

Without a mortgage

$809 a month

Miami-Dade County: $815 a month

Owners with a mortgage

69%

Miami-Dade County: 59%

In Ives Estates, 69% of owners have a mortgage, and their typical cost is $2,072 a month, against $2,451 in Miami-Dade County. Without one it drops to $809.

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

Homes in Ives Estates gained value more slowly than in Miami-Dade County: 51% since 2015–2019, against 60%.

Rents in Ives Estates rose faster than in Miami-Dade County: 42% since 2015–2019, against 38%.

Housing prices ran ahead of income in Ives Estates: typical income rose 28%, against +51% for home values and +42% for rent.

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

MeasureIves EstatesMiami-Dade CountyFloridaUnited States
Rental vacancy Unreliable estimate5.5%7.6%5.5%
Homeowner vacancy Unreliable estimate1.2%1.4%0.9%
More than one person per room 4.4%7.2%3.3%3.4%
People per household 2.812.762.512.53
Drive alone 73%69%70%69%
Carpool 10%9%9%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 13%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 4.4% of households in Ives Estates live, less than in Miami-Dade County (7.2%).

A household in Ives Estates has 2.81 people on average, about the same as in Miami-Dade County (2.76).

In Ives Estates, 73% of workers drive alone to work; 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 Ives Estates?

A typical home costs more than the typical income allows

We start with a typical home in Ives Estates, worth $294,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Ives Estates, which is $72,239 a year. For that payment to be 28% of income, a household would need to earn about $102,647 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 Ives Estates. 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 $10,315 (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

$2,395

at 7.18% · 30 years

Loan amount
$289,362
Total interest
$416,324
Paid off in
November 2056

Includes $4,977 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,686 a month

  • Tight

    $1,686 to $2,167 a month

  • Hard

    more than $2,167 a month

    Your payment · 40%

Compared with the typical household income in Ives Estates ($72,239 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,395
Principal & interest$1,960
Property tax$182
Home insurance$123
FHA mortgage insurance (MIP)$130

You need at least $10,315 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

Ives Estates and Miami-Dade County

Ives Estates 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).

Ives Estates's own numbers

Typical home value
$294,700
Typical monthly rent
$2,110
Typical yearly household income
$72,239
Households that own their home
57%
Effective property tax rate
0.74%

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 Ives Estates

A typical home in Ives Estates is worth $294,700: 36% below the county and 18% below Florida. With the typical household income in Ives Estates ($72,239 a year), a typical home costs 4.1 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.

  • Ives Estates 4.1 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

Ives Estates 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
  • Ives Estates $294,700
  • Miami-Dade $463,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Ives Estates $2,110
  • Miami-Dade $1,829
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Ives Estates $72,239
  • Miami-Dade $71,753
  • Florida $74,568
  • United States $80,734
See the full table
Ives Estates next to Miami-Dade County and Florida
Measure Ives Estates Miami-Dade County Florida U.S.
Typical home value $294,700 $463,000 $359,000 $332,700
Typical monthly rent $2,110 $1,829 $1,669 $1,413
Typical yearly household income $72,239 $71,753 $74,568 $80,734
Households that own their home 57% 52% 68% 65%
Typical yearly property tax $2,173 $3,744 $2,730 $3,119
Effective property tax rate 0.74% 0.81% 0.76% 0.94%
Renters with high rent for their income 74% 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 Ives Estates

For a typical $294,700 home in Ives Estates, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ives Estates's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,395a month

    Least cash to close
    Down payment
    $10,315
    Cash to close
    $19,156
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $130

  • Conventional, 5% down $2,341a month

    Down payment
    $14,735
    Cash to close
    $23,576
    Rate
    7.18%
    Mortgage insurance
    PMI · $140

  • Conventional, 20% down, no PMI $1,902a month

    Down payment
    $58,940
    Cash to close
    $67,781
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,174a month

    Down payment
    $44,205
    Cash to close
    $53,046
    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 Ives Estates and for Miami-Dade County.

Property tax

Effective rate in Ives Estates

0.74%of the home’s value each year

$2,173 a year for the typical owner in Ives Estates.

  • Ives Estates 0.74%
  • 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 Ives Estates

Typical rent in Ives Estates is $2,110 a month: 15% above the county. In Ives Estates, 74% 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

By ZIP code

Fair market rent by ZIP code in Ives Estates

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ives Estates is in ZIP code 33179.

For 2 bedrooms it is $2,760: $196 more than the fair market rent for Miami-Dade County ($2,564).

  • 33179 $2,760$3,530

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ives Estates 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 Ives Estates

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Ives Estates

1 program is for Ives Estates 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 Ives Estates the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Ives Estates

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

  • 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

  • Hispanic Unity of Florida

    5840 Johnson St, Hollywood · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (754) 256-8225

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

    656 NE 125th Street, North Miami · 5 miles away · Spanish

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

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

Help in Spanish near Ives Estates

3 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 Ives Estates

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

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Ives Estates

Short answers with the numbers for Ives Estates 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 Ives Estates?

The typical home value in Ives Estates is $294,700, 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 Ives Estates?

Typical rent in Ives Estates is $2,110 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 Ives Estates?

Ives Estates 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 Ives Estates?

The typical homeowner in Ives Estates pays $2,173 a year, according to the U.S. Census Bureau. That is 0.74% 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 Ives Estates?

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); 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).