The typical owner-occupied home in Belleair Beach is worth about $1,015,100, 2.8 times the Florida median of $359,000 and 3.1 times the national median of $332,700. Owners pay a median $7,640 a year in property taxes, about 0.75% of their home's value, close to the Florida rate of 0.76%. The median household earns $164,063 a year, so the median home costs 6.2 times the median income (4.8 times for Florida). 95% of occupied homes here are lived in by their owners, and 42% of those owners still have a mortgage.
Belleair Beach at a glance
| Belleair Beach | Florida | U.S. | |
|---|---|---|---|
| Median home value | $1,015,100 | $359,000 | $332,700 |
| Median property tax paid per year | $7,640 | $2,730 | $3,119 |
| Property tax as a share of value | 0.75% | 0.76% | 0.94% |
| Median household income | $164,063 | $74,568 | $80,734 |
| Homes lived in by their owners | 95% | 68% | 65% |
| Owner homes with a mortgage | 42% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $4,001 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 27.9% | 23.6% | 21.0% |
| Median rent | $3,501 | $1,669 | $1,413 |
| Rent as a share of renters' income | 17.5% | 35.2% | 30.6% |
| Median year homes were built | 1976 | 1988 | 1980 |
| Vacant homes | 41.0% | 14.7% | 10.1% |
| Population | 1,526 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Belleair Beach
At this week's average 30-year rate of 7.11%, buying the median Belleair Beach home of $1,015,100 with 20% down costs about $6,520 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $8,375, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $279,442 for the 20%-down payment. That payment is 48% of the median Belleair Beach household income of $164,063; at that income and 20% down, the 28% guideline points to a home of about $596,000.
The median rent here is $3,501 a month, so owning the median home costs about $3,019 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $203,020 |
|---|---|
| Loan amount | $812,080 |
| Principal and interest | $5,463 |
| Property taxes (0.75% a year) | $634 |
| Homeowners insurance (our estimate, 0.5% a year) | $423 |
| PMI | $0 |
| Total per month | $6,520 |
Change the numbers in the calculator
| Down payment | $35,528 |
|---|---|
| Loan amount | $996,714 |
| Principal and interest | $6,705 |
| Property taxes (0.75% a year) | $634 |
| Homeowners insurance (our estimate, 0.5% a year) | $423 |
| FHA mortgage insurance | $612 |
| Total per month | $8,375 |
Change the numbers in the calculator
Questions about home buying in Belleair Beach
What is the median home value in Belleair Beach?
About $1,015,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Belleair Beach?
Homeowners pay a median $7,640 a year, which is about 0.75% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Belleair Beach?
For the median home with 20% down at 7.11%, the payment is about $6,520 a month. Keeping that under 28% of gross income takes about $279,442 a year.
More about Belleair Beach
- Mortgage Refinance in Belleair Beach
- Debt Relief in Belleair Beach
- Home Equity Loans in Belleair Beach
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data