Market Overview
Home Prices in Cocoa Beach, FL
The median home value in Cocoa Beach, FL is $456,585 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.1% compared to a year ago and down 4.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cocoa Beach are priced11% above average. Cocoa Beach is part of the Palm Bay-Melbourne-Titusville, FL metro area.
Over the past five years, Cocoa Beach home values have risen by approximately20.8%, reflecting strong long-term appreciation in this market.
Price History
Cocoa Beach Home Price Trend
City Comparison
Cocoa Beach vs. National Median
At $456,585, homes in Cocoa Beach cost 11% above the national median of $410,000. Buyers in Cocoa Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Cocoa Beach?
20% Down Payment
$91,317
on $456,585
Monthly P&I
$2,381/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,024/mo
incl. taxes & insurance
Income Needed
$120,960
gross annual (30% rule)
10% Down Option
$45,659
+ PMI applies
Loan Amount (20% dn)
$365,268
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cocoa Beach, FL?
The median home value in Cocoa Beach is $456,585 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.1% year-over-year.
How much have home prices changed in Cocoa Beach?
Over the past year, home values in Cocoa Beach have decreased by 1.1%. Over five years, prices have risen approximately 20.8%.
How much do I need to earn to buy a home in Cocoa Beach?
To comfortably afford the median home price of $456,585 with a 20% down payment ($91,317) at today's rates (6.8%), you'd need a gross annual income of approximately $120,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Cocoa Beach compare to the national average home price?
The national median home value is approximately $410,000. At $456,585, homes in Cocoa Beach are 11% above the national average.
What metro area is Cocoa Beach part of?
Cocoa Beach is part of the Palm Bay-Melbourne-Titusville, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.