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City · 22,437 residents · Miami-Dade County, Florida

Sunny Isles Beach , Florida

In Sunny Isles Beach, a typical home is worth $549,100 and typical rent is $2,096 a month. Compared with all of Miami-Dade County, the typical home value is 19% higher and typical rent is 15% higher.

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  • Typical home value

    $549,100

    19% above the county

    53% above Florida

    • Sunny Isles Beach
    • Miami-Dade
    • Florida

  • Typical rent

    $2,096a month

    15% above the county

    26% above Florida

    • Sunny Isles Beach
    • Miami-Dade
    • Florida

  • Typical household income

    $61,921a year

    14% below the county

    17% below Florida

    • Sunny Isles Beach
    • Miami-Dade
    • Florida

  • Households that own their home

    54%

    2 points above the county

    13 points below Florida

    • Sunny Isles Beach
    • Miami-Dade
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$651,300
1.8% more than 12 months ago
Typical rent
$3,409 a month
1.5% more than 12 months ago

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

Sunny Isles Beach 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 Sunny Isles Beach apart

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

  1. Nearby, in Hallandale Beach, the typical home value is $279,100: 49% less than in Sunny Isles Beach ($549,100).

  2. Nearby, in Hallandale Beach, the typical rent is $1,653: 21% less than in Sunny Isles Beach ($2,096).

  3. The typical home in Sunny Isles Beach is worth $549,100, 19% more than in Miami-Dade County as a whole ($463,000).

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

The homes here

Housing in Sunny Isles Beach

What homes there are in Sunny Isles 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

There are more apartments in Sunny Isles Beach than in Miami-Dade County: 96% of homes, against 45%.

Year built

By age, homes in Sunny Isles Beach look like those in Miami-Dade County: the typical year built is 1983.

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

$3,113 a month

Miami-Dade County: $2,451 a month

Owners with a mortgage

33%

Miami-Dade County: 59%

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 Sunny Isles Beach rose 53% since 2015–2019, less than in Miami-Dade County (60%).

Since 2015–2019, the typical rent in Sunny Isles Beach rose 30%, less than in Miami-Dade County (38%).

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

MeasureSunny Isles BeachMiami-Dade CountyFloridaUnited States
Rental vacancy 23.8%5.5%7.6%5.5%
Homeowner vacancy Unreliable estimate1.2%1.4%0.9%
More than one person per room 7.5%7.2%3.3%3.4%
People per household 2.202.762.512.53
Drive alone 61%69%70%69%
Carpool 5%9%9%9%
Public transit 3%3%1%3%
Walk or bike 4%3%2%3%
Work from home 24%14%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

In Sunny Isles Beach, the rental vacancy rate is 23.8%; in Miami-Dade County, 5.5%.

More than one person per room: that is how 7.5% of households in Sunny Isles Beach live, near the figure in Miami-Dade County (7.2%).

Households in Sunny Isles Beach are smaller: 2.20 people on average; in Miami-Dade County, 2.76.

Many people here do not commute at all: 24% work from home; in Miami-Dade County, 14%.

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 Sunny Isles Beach?

A typical home costs more than the typical income allows

We start with a typical home in Sunny Isles Beach, worth $549,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 90% of the typical household income in Sunny Isles Beach, which is $61,921 a year. For that payment to be 28% of income, a household would need to earn about $198,122 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 Sunny Isles 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 $19,219 (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

$4,623

at 7.18% · 30 years

Loan amount
$539,154
Total interest
$775,716
Paid off in
November 2056

Includes $9,273 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,445 a month

  • Tight

    $1,445 to $1,858 a month

  • Hard

    more than $1,858 a month

    Your payment · 90%

Compared with the typical household income in Sunny Isles Beach ($61,921 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,623
Principal & interest$3,652
Property tax$499
Home insurance$229
FHA mortgage insurance (MIP)$243

You need at least $19,219 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

Sunny Isles Beach and Miami-Dade County

Sunny Isles Beach 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).

Sunny Isles Beach's own numbers

Typical home value
$549,100
Typical monthly rent
$2,096
Typical yearly household income
$61,921
Households that own their home
54%
Effective property tax rate
1.09%

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 Sunny Isles Beach

A typical home in Sunny Isles Beach is worth $549,100: 19% above the county and 53% above Florida. With the typical household income in Sunny Isles Beach ($61,921 a year), a typical home costs 8.9 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.

  • Sunny Isles Beach 8.9 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

Sunny Isles Beach 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
  • Sunny Isles Beach $549,100
  • Miami-Dade $463,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Sunny Isles Beach $2,096
  • Miami-Dade $1,829
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Sunny Isles Beach $61,921
  • Miami-Dade $71,753
  • Florida $74,568
  • United States $80,734
See the full table
Sunny Isles Beach next to Miami-Dade County and Florida
Measure Sunny Isles Beach Miami-Dade County Florida U.S.
Typical home value $549,100 $463,000 $359,000 $332,700
Typical monthly rent $2,096 $1,829 $1,669 $1,413
Typical yearly household income $61,921 $71,753 $74,568 $80,734
Households that own their home 54% 52% 68% 65%
Typical yearly property tax $5,989 $3,744 $2,730 $3,119
Effective property tax rate 1.09% 0.81% 0.76% 0.94%
Renters with high rent for their income 67% 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 Sunny Isles Beach

For a typical $549,100 home in Sunny Isles Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sunny Isles Beach's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,623a month

    Least cash to close
    Down payment
    $19,219
    Cash to close
    $35,692
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $243

  • Conventional, 5% down $4,522a month

    Down payment
    $27,455
    Cash to close
    $43,928
    Rate
    7.18%
    Mortgage insurance
    PMI · $261

  • Conventional, 20% down, no PMI $3,703a month

    Down payment
    $109,820
    Cash to close
    $126,293
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,211a month

    Down payment
    $82,365
    Cash to close
    $98,838
    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 Sunny Isles Beach and for Miami-Dade County.

Property tax

Effective rate in Sunny Isles Beach

1.09%of the home’s value each year

$5,989 a year for the typical owner in Sunny Isles Beach.

  • Sunny Isles Beach 1.09%
  • 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 Sunny Isles Beach

Typical rent in Sunny Isles Beach is $2,096 a month: 15% above the county. In Sunny Isles Beach, 67% 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 Sunny Isles Beach

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sunny Isles Beach is in ZIP code 33160.

For 2 bedrooms it is $3,280: $716 more than the fair market rent for Miami-Dade County ($2,564).

  • 33160 $3,280$4,190

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

Low-income apartments

Low-income apartments in Sunny Isles Beach

HUD lists one building with rents for lower incomes in Sunny Isles Beach.

  • Marian Towers 17505 N Bay Rd, Sunny Isles Beach 33160 220 homes, 215 low-income · Studio: 73 · 1 bd: 146 · 2 bd: 1 · In service since 2018 · For older adults (305) 932-1300

See all 399 buildings in Miami-Dade County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sunny Isles 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 are 11 HUD-approved agencies with an office in Miami-Dade County; 9 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Sunny Isles Beach

1 program is for Sunny Isles Beach 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 Sunny Isles Beach the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Sunny Isles Beach

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

  • Housing Foundation of America

    11900 Biscayne Blvd, North Miami · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (786) 842-3843

  • 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

  • Nid-Hca Florida Felton

    610 NW 183rd St, Miami Gardens · 5 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (305) 652-7616

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

Help in Spanish near Sunny Isles 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 Sunny Isles Beach

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

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

Questions

Housing questions about Sunny Isles Beach

Short answers with the numbers for Sunny Isles Beach 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 Sunny Isles Beach?

The typical home value in Sunny Isles Beach is $549,100, 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 Sunny Isles Beach?

Typical rent in Sunny Isles Beach is $2,096 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 Sunny Isles Beach?

Sunny Isles Beach 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 Sunny Isles Beach?

The typical homeowner in Sunny Isles Beach pays $5,989 a year, according to the U.S. Census Bureau. That is 1.09% 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 Sunny Isles Beach?

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).