The median home in Cocoa Beach, Florida is valued at $449,771, down 2.8% year over year. Typical monthly rent is $2,475, producing a price-to-rent ratio of 15.1x — near the national average of 18x. Cocoa Beach 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$449,771

-2.8%

Rent$2,475/mo

AFFORDABILITY

Enter your income for Cocoa Beach.

Income (annual)

Down Payment

$89,954 on $449,771

Out of reach — 47.2% of income

Need $126,300/yr to afford.

PITI$2,947

P/I47.2%

Afford$267K

Gap-$183K

P&I $2,274Tax $322Ins $350

Renting $472/mo cheaper ($2,475 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 Beach 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 BEACH, FL