Cocoa Beach, Florida.
Typical home $456,162 (+0.3% in a year), asking rent $2,496 (+5.6%). Palm Bay-Melbourne-Titusville, FL metro.
to buy the typical home at today's mortgage rate — +$1,256 (+110%) since Jan 2020.
- 1 year
- Up $1,588 +0%
- $454,574$456,162 since Sep 2025
- 5 years
- Up $57,537 +14%
- $398,625$456,162 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cocoa Beach$2,394
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 26 years.
Typical home values in Cocoa Beach, FL rose 0.3% over the past year — slower than the nation's +1.2%.
Asking rents in Cocoa Beach, FL rose 5.6% over the past year — faster than the nation's +2.7%.
Owning the typical home in Cocoa Beach runs $645/mo more than renting one. The gap peaked at $1,093 in May 2024.
That is $3,141 a month against $2,496 rent: a $2,394 mortgage payment, plus $259 property tax and $488 insurance & upkeep.
Owning vs renting — Cocoa Beach
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,141
- Renting$2,496
- Mortgage only$2,394
Property tax · $259/mo 0.68% of value a year — the ACS 2020-2024 median bill over the median home value for Brevard County, FL
Insurance & upkeep · $488/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Cocoa Beach, Brevard County, Florida
Cocoa Beach is a city of 11,354 people in Brevard County. Half its households earn more than $87,990 a year and half less, against $78,476 across Brevard County; 10% of its people live below the poverty line. 79% of its homes are lived in by their owners and 21% are rented. Unemployment in Brevard County was 4.8% in August 2026, and the county had 0.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cocoa Beach is a small city on Florida's Atlantic coast, and the people who live here skew older than in most American places. Most homes are lived in by their owners, incomes run above the county's, and a good share of adults hold a four-year degree. Winters are mild, with cool nights but little or no snow, and summers are hot, with plenty of rain through the year.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, and in restaurants, hotels and entertainment, with some in manufacturing. Among the largest workplaces in Cocoa Beach are Cape Canaveral Hospital and Publix Super Markets. Commutes are fairly ordinary in length, and a good many people work from home.
Things to do. In or beside town, the Museum of Dinosaurs and Ancient Cultures and the Wizard of Oz Museum are both close at hand. A short drive away are the Cape Canaveral Space Force Museum and Brevard Zoo. For a longer outing, the Kennedy Space Center Visitor Complex is a museum a longer drive away.
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- 6,018households
- 50%of adults have a degree
- 10%below the poverty line
- 26 mintypical commute
- 25%work from home
What residents work in
Employed residents by industry, from the Census survey. Brevard County had 243,568 jobs in 2025, 0.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 72° and lows near 50°; warmest in July, with highs near 91° and lows near 73°. About 55 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Melbourne Weather Office weather station, 15 miles away (NOAA).
Largest employers in Cocoa Beach
- School Board of Brevard County
- Health First Medical Group
- L3Harris Technologies Inc.
- Northrop Grumman Corporation
- Wal-Mart Associates Inc.
- Publix Super Market Inc.
- Department of Defense
- Blue Orgin Florida LLC.
From the City of Cocoa Beach’s annual financial report for 2024, its schedule of principal employers (its source: “Economic Development Commission of Florida's Space Coast Bureau of Labor Statistics”), as Florida’s Auditor General publishes it: the report. It gives no employee counts, so they are in its order.
Natural hazards
- HurricanesVery high
- LightningRelatively high
- Coastal floodingrelatively high in parts of Cocoa BeachRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cocoa Beach’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Brevard County and the Palm Bay-Melbourne-Titusville, FL metro.
Cocoa Beach home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cocoa Beach$456,162
- Florida$375,361
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Cocoa Beach listings, and the typical home goes pending in 44 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Cocoa Beach24.52%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Cocoa Beach44
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cocoa Beach227
New listings per month
Sellers arriving at the market.
- Cocoa Beach44
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Cocoa Beach$466,217
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Cocoa Beach95.34%
Zip codes with a Cocoa Beach address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cocoa Beach — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.