Market Overview
Home Prices in Madeira Beach, FL
The median home value in Madeira Beach, FL is $648,675 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 6.4% compared to a year ago and down 12.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Madeira Beach are priced58% above average. Madeira Beach is part of the Tampa-St. Petersburg-Clearwater, FL metro area.
Over the past five years, Madeira Beach home values have risen by approximately9.4%, reflecting steady appreciation in this market.
Price History
Madeira Beach Home Price Trend
City Comparison
Madeira Beach vs. National Median
At $648,675, homes in Madeira Beach cost 58% above the national median of $410,000. Buyers in Madeira Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Madeira Beach?
20% Down Payment
$129,735
on $648,675
Monthly P&I
$3,383/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,296/mo
incl. taxes & insurance
Income Needed
$171,840
gross annual (30% rule)
10% Down Option
$64,868
+ PMI applies
Loan Amount (20% dn)
$518,940
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 Madeira Beach, FL?
The median home value in Madeira Beach is $648,675 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 6.4% year-over-year.
How much have home prices changed in Madeira Beach?
Over the past year, home values in Madeira Beach have decreased by 6.4%. Over five years, prices have risen approximately 9.4%.
How much do I need to earn to buy a home in Madeira Beach?
To comfortably afford the median home price of $648,675 with a 20% down payment ($129,735) at today's rates (6.8%), you'd need a gross annual income of approximately $171,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Madeira Beach compare to the national average home price?
The national median home value is approximately $410,000. At $648,675, homes in Madeira Beach are 58% above the national average.
What metro area is Madeira Beach part of?
Madeira Beach is part of the Tampa-St. Petersburg-Clearwater, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.