The median home in Cocoa, Florida is valued at $289,878, down 3.8% year over year. Typical monthly rent is $1,927, producing a price-to-rent ratio of 12.5x — below the national average of 18x. Cocoa is part of the Palm Bay-Melbourne-Titusville, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Palm Bay-Melbourne-Titusville, FL stress score, crash risk, and 12-month forecast →

Home Value$289,878

-3.8%

Rent$1,927/mo

AFFORDABILITY

Enter your income for Cocoa.

Income (annual)

Down Payment

$57,976 on $289,878

Stretch — 32.4% of income

Above 28% but manageable with cuts.

PITI$2,024

P/I32.4%

Afford$251K

Gap-$39K

P&I $1,466Tax $208Ins $350

Renting $97/mo cheaper ($1,927 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Cocoa with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Palm Bay-Melbourne-Titusville, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Palm Bay-Melbourne-Titusville, FL metro.

View Palm Bay-Melbourne-Titusville, FL metro →

COCOA, FL