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Surfside town, FL

ZIP 33154 — 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 33154

Median Home Value
$741,400
Median Rent
$2,084
Affordability Snapshot
$204,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,763/mo PITI).

28%
Rent-to-Income Ratio

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

8.4x
Home Price-to-Income Ratio

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

29.6 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 33154 in Surfside town, FL, a household would need roughly $204,000 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 $4,763. That is about 132% above the local median household income ($87,806), 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 45% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
60.0%-8% vs US avg
x
Vacancy Rate
44.7%+334% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
7.0%-45% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
35.8%-28% vs US avg
x
Mortgage-Free
55.3%+45% vs US avg
x
$741,400
Home Value
$2,084
Rent
1972
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached19.1%
  • 1-unit attached1.6%
  • 2-9 units5.1%
  • 10+ units73.7%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$741,400
Median rent$2,084
Owner-occupied60.0%
Vacant44.7%
Price-to-income8.4x
Est. income to buy$204,000