Cocoa, Florida.
Typical home $297,053 (+0.5% in a year), asking rent $1,778 (+3.6%). Palm Bay-Melbourne-Titusville, FL metro.
to buy the typical home at today's mortgage rate — +$853 (+121%) since Jan 2020.
- 1 year
- Up $1,560 +1%
- $295,493$297,053 since Sep 2025
- 5 years
- Up $46,279 +18%
- $250,774$297,053 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$1,559
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Cocoa, FL rose 0.5% over the past year — slower than the nation's +1.2%.
Asking rents in Cocoa, FL rose 3.6% over the past year — faster than the nation's +2.7%.
Owning the typical home in Cocoa runs $268/mo more than renting one. The gap peaked at $545 in Oct 2023.
That is $2,046 a month against $1,778 rent: a $1,559 mortgage payment, plus $168 property tax and $318 insurance & upkeep.
Owning vs renting — Cocoa
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$2,046
- Renting$1,778
- Mortgage only$1,559
Property tax · $168/mo 0.68% of value a year — the ACS 2020-2024 median bill over the median home value for Brevard County, FL
Insurance & upkeep · $318/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, Brevard County, Florida
Cocoa is a city of 19,041 people in Brevard County. Half its households earn more than $63,105 a year and half less, against $78,476 across Brevard County; 13% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% 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 shops.
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 is a small city on Florida's Space Coast, in Brevard County. Residents are somewhat older than the typical American, and most homes are lived in by their owners, though renters are a real part of the community too. Incomes run below the county's, and a four-year degree is held by a smaller share of adults than many would expect in a county with so much technical work.
Work. Many residents work in schools, hospitals and social care, in shops, in professional and business services, and in manufacturing. Among the largest workplaces in Cocoa are Amazon, Walmart and FedEx, which reflects how much of the local economy runs on warehousing and delivery. The typical commute is a moderate one, and only a small share of people work from home.
Things to do. In or beside town, the Aladdin Theater is a local theatre, and the Brevard Museum of History & Natural Science covers the region's past and its natural setting. A short drive away are Barnett Lake and Lake Poinsett, both good for time by the water. A longer drive brings you to the Kennedy Space Center Visitor Complex, a museum devoted to the space program. Winters are mild and summers hot, with plenty of rain through the year.
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- 8,531households
- 27%of adults have a degree
- 13%below the poverty line
- 26 mintypical commute
- 9%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 70° and lows near 50°; warmest in August, with highs near 89° and lows near 74°. About 49 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Titusville East weather station, 17 miles away (NOAA).
Largest employers in Cocoa
- Wamart Distribution703
- Publix650
- Beyel Brothers514
- City of Cocoa449
- Eastern Florida State College - Cocoa Campus447
- Walmart Associates347
- Brevard Robotics275
- Mike Erdman Automotive256
From the City of Cocoa’s annual financial report for 2025, its schedule of principal employers (its source: “Bureau of Economic and Business Research”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- HurricanesVery high
- LightningRelatively high
- Coastal floodingRelatively moderate
- Strong windRelatively 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’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 home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cocoa$297,053
- 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 3 Cocoa listings, and the typical home goes pending in 31 days — the market is heating up.
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.
- Cocoa30.38%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Cocoa31
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cocoa331
New listings per month
Sellers arriving at the market.
- Cocoa90
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Cocoa$308,426
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Cocoa97.08%
Zip codes with a Cocoa address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cocoa — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Cocoa
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 32927 | Cocoa | 29,219 | $2,142 | $304,782 |
| 32926 | Cocoa | 23,505 | $1,982 | $324,938 |
| 32922 | Cocoa | 14,700 | $1,279 | $196,518 |