The typical owner-occupied home in Indian Rocks Beach is worth about $738,800, 2.1 times the Florida median of $359,000 and 2.2 times the national median of $332,700. Owners pay a median $4,639 a year in property taxes, about 0.63% of their home's value, lower than the Florida rate of 0.76%. The median household earns $98,611 a year, so the median home costs 7.5 times the median income (4.8 times for Florida). 76% of occupied homes here are lived in by their owners, and 50% of those owners still have a mortgage.
Indian Rocks Beach at a glance
| Indian Rocks Beach | Florida | U.S. | |
|---|---|---|---|
| Median home value | $738,800 | $359,000 | $332,700 |
| Median property tax paid per year | $4,639 | $2,730 | $3,119 |
| Property tax as a share of value | 0.63% | 0.76% | 0.94% |
| Median household income | $98,611 | $74,568 | $80,734 |
| Homes lived in by their owners | 76% | 68% | 65% |
| Owner homes with a mortgage | 50% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $3,043 | $1,959 | $1,963 |
| Those costs as a share of the owners' income | 28.7% | 23.6% | 21.0% |
| Median rent | $1,863 | $1,669 | $1,413 |
| Rent as a share of renters' income | 24.5% | 35.2% | 30.6% |
| Median year homes were built | 1981 | 1988 | 1980 |
| Vacant homes | 43.3% | 14.7% | 10.1% |
| Population | 3,664 | 22,416,077 | 334,922,499 |
What a typical home costs per month in Indian Rocks Beach
At this week's average 30-year rate of 7.11%, buying the median Indian Rocks Beach home of $738,800 with 20% down costs about $4,672 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $5,902, 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 $200,214 for the 20%-down payment. That payment is 57% of the median Indian Rocks Beach household income of $98,611; at that income and 20% down, the 28% guideline points to a home of about $364,000.
The median rent here is $1,863 a month, so owning the median home costs about $2,809 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $147,760 |
|---|---|
| Loan amount | $591,040 |
| Principal and interest | $3,976 |
| Property taxes (0.63% a year) | $388 |
| Homeowners insurance (our estimate, 0.5% a year) | $308 |
| PMI | $0 |
| Total per month | $4,672 |
Change the numbers in the calculator
| Down payment | $25,858 |
|---|---|
| Loan amount | $725,418 |
| Principal and interest | $4,880 |
| Property taxes (0.63% a year) | $388 |
| Homeowners insurance (our estimate, 0.5% a year) | $308 |
| FHA mortgage insurance | $327 |
| Total per month | $5,902 |
Change the numbers in the calculator
Questions about home buying in Indian Rocks Beach
What is the median home value in Indian Rocks Beach?
About $738,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Indian Rocks Beach?
Homeowners pay a median $4,639 a year, which is about 0.63% 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 Indian Rocks Beach?
For the median home with 20% down at 7.11%, the payment is about $4,672 a month. Keeping that under 28% of gross income takes about $200,214 a year.
More about Indian Rocks Beach
- Mortgage Refinance in Indian Rocks Beach
- Debt Relief in Indian Rocks Beach
- Home Equity Loans in Indian Rocks 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