Indian River County, FL Average Home Price (2026)
The average home price in Indian River County, Florida is about $340,000 (the 2026 median across 8 ZIP codes, at ~$231/sq ft) — 1% more affordable than the Florida median and 18% more expensive than the typical U.S. home.
How Indian River County compares
Indian River County is about average for housing nationally: its typical home costs $340,000 against $345,000 for Florida and $289,000 for the U.S. Within the county, ZIP-level values run from about $256,000 to $1,064,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Indian River County | $340,000 | $231 |
| Florida | $345,000 | $229 |
| United States | $289,000 | $193 |
Cities in Indian River County
Cities with their own home-value page, largest first:
Indian River County home prices by ZIP code
The 8 most valuable ZIP codes in Indian River County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 32963 Indian River Shores | $1,064,000 | $578 | +213% |
| 32968 Vero Beach | $427,000 | $234 | +26% |
| 32967 Vero Beach | $406,000 | $241 | +19% |
| 32958 Sebastian | $345,000 | $228 | +1% |
| 32948 Fellsmere | $335,000 | $317 | -1% |
| 32966 Vero Beach | $329,000 | $210 | -3% |
| 32960 Vero Beach | $280,000 | $221 | -18% |
| 32962 Vero Beach | $256,000 | $193 | -25% |
Home value appreciation in Indian River County
Home prices in Indian River County have risen about 136% over the last 10 years (≈9.0% a year) and +67.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at -1.6% — a recent dip. A home worth $340,000 today was worth roughly $143,824 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Florida is +126.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Indian River County
Run the numbers for Indian River County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Indian River County
To buy the typical $340,000 home in Indian River County with 20% down, you need a household income of roughly $93,000 a year (about $2,160 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $110,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,000 | $2,680/mo | $115,000/yr |
| 10% (+PMI) | $34,000 | $2,560/mo | $110,000/yr |
| 20% | $68,000 | $2,160/mo | $93,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Indian River County
At about $231 per square foot, here is roughly how much home different budgets get you in Indian River County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 870 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1080 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1300 sq ft | around the typical home here |
| $400k | 1730 sq ft | around the typical home here |
| $500k | 2160 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Florida.
Estimate a specific home in Indian River County
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Indian River County home prices: frequently asked
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Browse all Florida cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.