US5.com
  1. Home
  2. States
  3. Florida
  4. ZIP 33146
  5. Housing & Real Estate
Coral Gables city, FL

ZIP 33146 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33146

Median Home Value
$1,141,800
Median Rent
$2,695
Affordability Snapshot
$314,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$7,335/mo PITI).

26%
Rent-to-Income Ratio

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

9.2x
Home Price-to-Income Ratio

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

35.3 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 33146 in Coral Gables city, FL, a household would need roughly $314,000 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 $7,335. That is about 152% above the local median household income ($124,712), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
60.4%-8% vs US avg
x
Vacancy Rate
14.1%+37% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
4.0%-68% vs US avg
x
Built Post-2014
5.1%-26% vs US avg
x
Rent Burden >30%
30.8%-38% vs US avg
x
Mortgage-Free
38.3%+0% vs US avg
x
$1,141,800
Home Value
$2,695
Rent
1979
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached49.5%
  • 1-unit attached1.5%
  • 2-9 units2.9%
  • 10+ units46.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,141,800
Median rent$2,695
Owner-occupied60.4%
Vacant14.1%
Price-to-income9.2x
Est. income to buy$314,000