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Islamorada, Village of Islands village, FL

ZIP 33036 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33036

Median Home Value
$995,600
Median Rent
$1,583
Affordability Snapshot
$274,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,395/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

11.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

52.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33036 in Islamorada, Village of Islands village, FL, a household would need roughly $274,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,395. That is about 211% above the local median household income ($88,214), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 55% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.0%+24% vs US avg
x
Vacancy Rate
54.5%+429% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.3%-61% vs US avg
x
Mortgage-Free
50.8%+33% vs US avg
x
$995,600
Home Value
$1,583
Rent
1983
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached59.2%
  • 1-unit attached1.5%
  • 2-9 units14.8%
  • 10+ units19.1%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$995,600
Median rent$1,583
Owner-occupied81.0%
Vacant54.5%
Price-to-income11.3x
Est. income to buy$274,000