In West Melbourne, a typical home is worth $377,100 and typical rent is $1,845 a month. Compared with all of Brevard County, typical rent is 19% higher and typical household income is 18% higher.
Typical home value from Zillow, September 2021 to September 2026: from $333,874 to $372,498.
Typical rent
$1,922a month
▲ 0.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,700 to $1,922.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
West Melbourne 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Palm Bay, the typical home value is $283,200: 25% less than in West Melbourne ($377,100).
2
Nearby, in Melbourne, the typical rent is $1,525: 17% less than in West Melbourne ($1,845).
3
The typical rent in West Melbourne is $1,845 a month, 19% more than in Brevard County as a whole ($1,556).
4
The typical household income in West Melbourne is $92,986,18% more than in Brevard County as a whole ($78,476).
5
West Melbourne has the 36th smallest share of rent-burdened renters of the 434 cities in Florida with more than 5,000 people (46%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in West Melbourne
What homes there are in West Melbourne, 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
West Melbourne
Brevard County
Florida
United States
Kind of home: West Melbourne and its comparisons
Measure
West Melbourne
Brevard County
Florida
United States
Detached house
69%
66%
55%
61%
Attached house
Unreliable estimate
5%
7%
6%
Building of 2 to 4
5%
5%
6%
8%
Apartments (5 or more)
20%
17%
25%
19%
Mobile home
4%
7%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house is the most common home in West Melbourne: 69% of homes, near the figure in Brevard County (66%).
Year built
Before 19601960–19791980–19992000–20092010 or later
West Melbourne
Brevard County
Florida
United States
Year built: West Melbourne and its comparisons
Measure
West Melbourne
Brevard County
Florida
United States
Before 1960
4%
8%
10%
26%
1960–1979
16%
24%
24%
24%
1980–1999
21%
38%
34%
25%
2000–2009
32%
19%
18%
14%
2010 or later
28%
11%
14%
11%
Here half of the homes date from 2003 or later; in Brevard County, from 1988 or later.
Much as in Brevard County, 69% of homes in West Melbourne have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K6%
$100K–$200K8%
$200K–$300K23%
$300K–$500K43%
$500K–$750K19%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: West Melbourne and its comparisons
Measure
West Melbourne
Under $100K
6%
$100K–$200K
8%
$200K–$300K
23%
$300K–$500K
43%
$500K–$750K
19%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Brevard County is $541,287, and about 83% of owner-occupied homes in West Melbourne are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49920%
$1,500–$1,99933%
$2,000–$2,49927%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: West Melbourne and its comparisons
Measure
West Melbourne
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
20%
$1,500–$1,999
33%
$2,000–$2,499
27%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,014 a month
Brevard County: $1,805 a month
Without a mortgage
$600 a month
Brevard County: $608 a month
Owners with a mortgage
64%
Brevard County: 56%
Owning costs more in West Melbourne: with a mortgage, the typical cost is $2,014 a month; in Brevard County, $1,805. Without one, $600.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
West Melbourne+68%
Brevard County+73%
Florida+67%
United States+53%
Typical rent
West Melbourne+37%
Brevard County+46%
Florida+42%
United States+33%
Typical household income
West Melbourne+36%
Brevard County+38%
Florida+34%
United States+29%
Change since 2015–2019: West Melbourne and its comparisons
Measure
West Melbourne
Brevard County
Florida
United States
Typical home value
+68%
+73%
+67%
+53%
Typical rent
+37%
+46%
+42%
+33%
Typical household income
+36%
+38%
+34%
+29%
The typical home value in West Melbourne rose 68% since 2015–2019, less than in Brevard County (73%).
Rents in West Melbourne rose more slowly than in Brevard County: 37% since 2015–2019, against 46%.
The typical household income in West Melbourne rose 36% over that time; home values changed +68% and rent +37%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: West Melbourne and its comparisons
Measure
West Melbourne
Brevard County
Florida
United States
Rental vacancy
Unreliable estimate
10.8%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.4%
0.9%
More than one person per room
Unreliable estimate
1.5%
3.3%
3.4%
People per household
2.66
2.42
2.51
2.53
Drive alone
74%
75%
70%
69%
Carpool
6%
7%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
18%
15%
16%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in West Melbourne are bigger: 2.66 people on average; in Brevard County, 2.42.
Many people here do not commute at all: 18% work from home; in Brevard County, 15%.
Do the math
What would you pay each month for a home in West Melbourne?
A typical home costs more than the typical income allows
We start with a typical home in West Melbourne, worth $377,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in West Melbourne, which is $92,986 a year. For that payment to be 28% of income, a household would need to earn about $130,271 a year.
The calculator's FHA and conventional loan limits are those of all of Brevard 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 West Melbourne. 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 $13,199 (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
$3,040
at 7.18% · 30 years
Loan amount
$370,269
Total interest
$532,731
Paid off in
November 2056
Includes $6,368 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,170 a month
Tight
$2,170 to $2,790 a month
Hard
more than $2,790 a month
Your payment · 39%
Compared with the typical household income in West Melbourne ($92,986 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,508
Property tax
$207
Home insurance
$157
FHA mortgage insurance (MIP)
$167
You need at least $13,199 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 $3,040; principal and interest $2,508.
The city and its county
West Melbourne and Brevard County
West Melbourne 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).
West Melbourne
Map of Brevard County, Florida, with West Melbourne marked. Around it, the neighboring counties.
West Melbourne
Brevard County
Other cities with a page
West Melbourne's own numbers
Typical home value
$377,100
Typical monthly rent
$1,845
Typical yearly household income
$92,986
Households that own their home
73%
Effective property tax rate
0.66%
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.
A typical home in West Melbourne is worth $377,100: 11% above the county and 5% above Florida. With the typical household income in West Melbourne ($92,986 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.
West Melbourne4.1 years
Brevard4.3 years
Florida4.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Brevard County, 2016 to 2025
2016: +13.4% +13.4% 2016
2017: +11.5% +11.5% 2017
2018: +8.3% +8.3% 2018
2019: +5.2% +5.2% 2019
2020: +5.7% +5.7% 2020
2021: +15.9% +15.9% 2021
2022: +24.1% +24.1% 2022
2023: +7.1% +7.1% 2023
2024: +0.9% +0.9% 2024
2025: −0.8% −0.8% 2025
Change in FHFA’s price index in Brevard County, Florida and the United States
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
West Melbourne 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
West Melbourne$377,100
Brevard$339,600
Florida$359,000
United States$332,700
Typical monthly rent
West Melbourne$1,845
Brevard$1,556
Florida$1,669
United States$1,413
Typical yearly household income
West Melbourne$92,986
Brevard$78,476
Florida$74,568
United States$80,734
See the full table
West Melbourne next to Brevard County and Florida
Measure
West Melbourne
Brevard County
Florida
U.S.
Typical home value
$377,100 ▲11% above the county
$339,600
$359,000
$332,700
Typical monthly rent
$1,845 ▲19% above the county
$1,556
$1,669
$1,413
Typical yearly household income
$92,986 ▲18% above the county
$78,476
$74,568
$80,734
Households that own their home
73% ▼4 points below the county
77%
68%
65%
Typical yearly property tax
$2,488 ▲8% above the county
$2,311
$2,730
$3,119
Effective property tax rate
0.66% ▼0.02 points below the county
0.68%
0.76%
0.94%
Renters with high rent for their income
46% ▼10 points below the county
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 West Melbourne
For a typical $377,100 home in West Melbourne, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Melbourne's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,040a month
Least cash to close
Down payment
$13,199
Cash to close
$24,512
Rate
7.18%
Mortgage insurance
FHA MIP · $167
Conventional, 5% down$2,971a month
Down payment
$18,855
Cash to close
$30,168
Rate
7.18%
Mortgage insurance
PMI · $179
Conventional, 20% down, no PMI$2,408a month
Down payment
$75,420
Cash to close
$86,733
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,757a month
Down payment
$56,565
Cash to close
$67,878
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in West Melbourne
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,040
$13,199
$370,270
7.18%
FHA MIP · $167
$24,512
580
Conventional, 5% down
$2,971
$18,855
$358,245
7.18%
PMI · $179
$30,168
620*
Conventional, 20% down, no PMI
$2,408
$75,420
$301,680
7.18%
None
$86,733
620*
ITIN, 15% down (example)
$2,757
$56,565
$320,535
8.18%
None
$67,878
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 West Melbourne is $1,845 a month: 19% above the county. In West Melbourne, 46% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Brevard County (Fiscal year 2027)
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 West Melbourne
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Melbourne is in ZIP code 32904.
For 2 bedrooms it is $2,110: $331 more than the fair market rent for Brevard County ($1,779).
Fair market rent by ZIP code and size in West Melbourne, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
32904
$1,570
$1,810
$2,110
$2,820
$3,210
ZIP code2 bd3 bd
32904 $2,110$2,820
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for West Melbourne 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)
HUD lists one building with rents for lower incomes in West Melbourne.
Promise in Brevard4105 Norfolk Pkwy, West Melbourne 32904117 homes, 112 low-income · 1 bd: 6 · 2 bd: 27 · 3 bd: 60 · 4 bd: 24 · In service since 2018 · For people with disabilities
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.
No down payment, repair or rent-help program on our list is for West Melbourne or Brevard County. The ones below are statewide in Florida: they work in West Melbourne 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.
The HUD-approved agencies closest to the center of West Melbourne, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for West Melbourne or Brevard 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 West Melbourne 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 West Melbourne?
The typical home value in West Melbourne is $377,100, 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 West Melbourne?
Typical rent in West Melbourne is $1,845 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 West Melbourne?
West Melbourne 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 West Melbourne?
The typical homeowner in West Melbourne pays $2,488 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Brevard County, the rate is 0.68%.
Where can I find free help to buy or rent in West Melbourne?
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.
