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City · 13,535 residents · Miami-Dade County, Florida

Sunset , Florida

In Sunset, a typical home is worth $601,300 and typical rent is $2,118 a month. Compared with all of Miami-Dade County, typical household income is 52% higher, the typical home value is 30% higher, and the share of households that own their home is 25 points higher.

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  • Typical home value

    $601,300

    30% above the county

    67% above Florida

    • Sunset
    • Miami-Dade
    • Florida

  • Typical rent

    $2,118a month

    16% above the county

    27% above Florida

    • Sunset
    • Miami-Dade
    • Florida

  • Typical household income

    $109,401a year

    52% above the county

    47% above Florida

    • Sunset
    • Miami-Dade
    • Florida

  • Households that own their home

    77%

    25 points above the county

    9 points above Florida

    • Sunset
    • Miami-Dade
    • Florida

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

Sunset 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 Sunset apart

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

  1. 77% of households in Sunset own their home, against 52% in Miami-Dade County.

  2. The typical household income in Sunset is $109,401, 52% more than in Miami-Dade County as a whole ($71,753).

  3. The typical home in Sunset is worth $601,300, 30% more than in Miami-Dade County as a whole ($463,000).

  4. Nearby, in Westchester, the typical home value is $508,700: 15% less than in Sunset ($601,300).

  5. The typical rent in Sunset is $2,118 a month, 16% more than in Miami-Dade County as a whole ($1,829).

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

The homes here

Housing in Sunset

What homes there are in Sunset, 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, standing on their own, make up 82% of homes here, against 39% in Miami-Dade County.

Year built

In Sunset, half of the homes were built before 1970; in Miami-Dade County, before 1980.

Homes in Sunset are bigger: 80% have 3 bedrooms or more; in Miami-Dade County, 45%.

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

$2,718 a month

Miami-Dade County: $2,451 a month

Without a mortgage

$863 a month

Miami-Dade County: $815 a month

Owners with a mortgage

63%

Miami-Dade County: 59%

In Sunset, 63% of owners have a mortgage, and their typical cost is $2,718 a month, against $2,451 in Miami-Dade County. Without one it drops to $863.

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 Sunset rose 55%; in Miami-Dade County, it rose 60%.

Since 2015–2019, the typical rent in Sunset rose 47%, more than in Miami-Dade County (38%).

Here income did not keep up with housing: it rose 29%, while home values changed +55% and rent +47%.

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

MeasureSunsetMiami-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 Unreliable estimate7.2%3.3%3.4%
People per household 2.692.762.512.53
Drive alone 75%69%70%69%
Carpool 9%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

Much as in Miami-Dade County, a household in Sunset has 2.69 people on average.

To get to work, 75% of workers in Sunset drive alone; 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 Sunset?

A typical home costs more than the typical income allows

We start with a typical home in Sunset, worth $601,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Sunset, which is $109,401 a year. For that payment to be 28% of income, a household would need to earn about $208,796 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 Sunset. 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 $21,046 (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

$4,872

at 7.18% · 30 years

Loan amount
$590,408
Total interest
$849,459
Paid off in
November 2056

Includes $10,154 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,553 a month

  • Tight

    $2,553 to $3,282 a month

  • Hard

    more than $3,282 a month

    Your payment · 53%

Compared with the typical household income in Sunset ($109,401 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,872
Principal & interest$4,000
Property tax$356
Home insurance$251
FHA mortgage insurance (MIP)$266

You need at least $21,046 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

Sunset and Miami-Dade County

Sunset 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).

Sunset's own numbers

Typical home value
$601,300
Typical monthly rent
$2,118
Typical yearly household income
$109,401
Households that own their home
77%
Effective property tax rate
0.71%

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 Sunset

A typical home in Sunset is worth $601,300: 30% above the county and 67% above Florida. With the typical household income in Sunset ($109,401 a year), a typical home costs 5.5 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.

  • Sunset 5.5 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

Sunset 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
  • Sunset $601,300
  • Miami-Dade $463,000
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Sunset $2,118
  • Miami-Dade $1,829
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Sunset $109,401
  • Miami-Dade $71,753
  • Florida $74,568
  • United States $80,734
See the full table
Sunset next to Miami-Dade County and Florida
Measure Sunset Miami-Dade County Florida U.S.
Typical home value $601,300 $463,000 $359,000 $332,700
Typical monthly rent $2,118 $1,829 $1,669 $1,413
Typical yearly household income $109,401 $71,753 $74,568 $80,734
Households that own their home 77% 52% 68% 65%
Typical yearly property tax $4,278 $3,744 $2,730 $3,119
Effective property tax rate 0.71% 0.81% 0.76% 0.94%
Renters with high rent for their income 66% 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 Sunset

For a typical $601,300 home in Sunset, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sunset's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,872a month

    Least cash to close
    Down payment
    $21,046
    Cash to close
    $39,085
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $266

  • Conventional, 5% down $4,762a month

    Down payment
    $30,065
    Cash to close
    $48,104
    Rate
    7.18%
    Mortgage insurance
    PMI · $286

  • Conventional, 20% down, no PMI $3,865a month

    Down payment
    $120,260
    Cash to close
    $138,299
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,421a month

    Down payment
    $90,195
    Cash to close
    $108,234
    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 Sunset and for Miami-Dade County.

Property tax

Effective rate in Sunset

0.71%of the home’s value each year

$4,278 a year for the typical owner in Sunset.

  • Sunset 0.71%
  • 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 Sunset

Typical rent in Sunset is $2,118 a month: 16% above the county. In Sunset, 66% 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 Sunset

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sunset is in ZIP code 33173.

For 2 bedrooms it is $2,860: $296 more than the fair market rent for Miami-Dade County ($2,564).

  • 33173 $2,860$3,660

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

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 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 Sunset

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Sunset

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

  • Real Estate, Education and Community Housing, Inc.

    7875 NW 12th St, Doral · 6 miles away · Spanish

    Also serves in Creole.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (786) 260-6821

  • Cuban American National Council, Inc. - Miami

    1223 SW 4th St, Miami · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    305-642-3484-182

  • Neighborhood Housing Services of South Florida

    300 NW 12th Ave, Miami · 10 miles away · Spanish

    Also serves in Creole.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 6 more
    (305) 751-5511

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

Help in Spanish near Sunset

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 Sunset

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

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Sunset

Short answers with the numbers for Sunset 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 Sunset?

The typical home value in Sunset is $601,300, 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 Sunset?

Typical rent in Sunset is $2,118 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 Sunset?

Sunset 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 Sunset?

The typical homeowner in Sunset pays $4,278 a year, according to the U.S. Census Bureau. That is 0.71% 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 Sunset?

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).