Indian Rocks Beach, FL—33785
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Indian Rocks Beach, FL
As of Oct '25, the median home price in Indian Rocks Beach, FL is $708,000, with a year-over-year change of -8.8%. This indicates that home prices in Indian Rocks Beach, FL are decreasing. According to Zillow, the 1-year price projection is 0.6%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $708,000 | -8.8% |
| Single Family | $829,000 | -10.0% |
| Condos | $639,000 | -7.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $351,000 | -12.9% |
2 Bed | $600,000 | -8.7% |
3 Bed | $959,000 | -6.6% |
4 Bed | $1,771,000 | -7.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Indian Rocks Beach, FL
As of July '25, Rentcast reports the average rent in Indian Rocks Beach, FL is $3,070, with a year-over-year rent change of -15.7%. Per bedroom, the median rent as of July '25 in Indian Rocks Beach, FL is 1-bedrooms: $2,120, 2-bedrooms: $3,140, 3-bedrooms: $3,690, 4-bedrooms: $2,980. The most common rental property sizes in Indian Rocks Beach, FL are 2-bedroom and 1-bedroom, accounting for 52.6% and 28.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,980 | $3,070 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,800 | $2,120 |
| 2 Bed Rent | $2,800 | $3,140 |
| 3 Bed Rent | $3,500 | $3,690 |
| 4 Bed Rent | $2,980 | $2,980 |
% of Rental Stock
Property Listings — Indian Rocks Beach, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Indian Rocks Beach, FL is 107. This is a increase of 13.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $782,000 | -8.0% |
Listing Count | 170 | 18.0% |
| Listings as % of Homes | 1.7% | 18.0% |
Days on Market | 107 | 13.0% |
Demographics — Indian Rocks Beach, FL
As of the latest ACS Survey released in 2023, Indian Rocks Beach, FL has a population of 4,870, which has decreased by -11.7% over the past 5 years. Indian Rocks Beach, FL is a less popular place for families, as children make up 6.8% of the population. The area has a highly educated workforce, with 46.3% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 29.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,870 | -11.7% |
% Under 18 | 6.8% | -6.8% |
% Seniors | 35.3% | 8.0% |
% WFH | 29.3% | 59.2% |
% w/ College Degree | 46.3% | -3.5% |
As of the latest ACS Survey released in 2023, Indian Rocks Beach, FL is a predominantly white area, with 86.5% of the population identifying as white. The white population has shrunk by 9.9% in the last 5 years. The second most common race or ethnicity in Indian Rocks Beach, FL is hispanic, making up 7.5% of the population. Foreign-born residents account for 10.1% of the population in Indian Rocks Beach, FL, and this percentage has increased by 44.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 86.5% | -9.9% |
% Black | 0.6% | 200.0% |
% Hispanic | 7.5% | 158.6% |
% Asian | 4.3% | 2,050.0% |
% Foreign Born | 10.1% | 44.3% |
Mortgage and Risk — Indian Rocks Beach, FL
According to HUD data as of 2023, there were 143 mortgage originations in Indian Rocks Beach, FL, of which 97.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 6.0% above 90% LTV (normal). This implies small mortgage risk in Indian Rocks Beach, FL. Investor activity is low, as 12.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 143 |
% Conventional Loans | 97.0% |
% Government Loans | 3.0% |
% Investor Loans | 12.0% |
% Second Loans | 30.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Indian Rocks Beach, FL
As of 2024, the percent of homes in Indian Rocks Beach, FL under the Section 8 program is 0.2%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Indian Rocks Beach, FL, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 0.2% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $20 | $1,800 | $1,820 |
| 2 Bedroom | -$660 | $2,800 | $2,140 |
| 3 Bedroom | -$760 | $3,500 | $2,740 |
| 4 Bedroom | $350 | $2,980 | $3,330 |
Affordability — Indian Rocks Beach, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 8.3 |
| Median Home Price | $708,000 |
| Median Household Income | $98,800 |