ZIP Code 33109 — Miami Beach, FL Home Prices (2026)
The typical home in ZIP 33109 (Miami Beach, Florida) is worth about $6,711,000 at roughly $2927 per square foot — 1061% more expensive than the Miami Beach median and 2183% more expensive than the typical U.S. home.
How 33109 compares
ZIP 33109 is one of the pricier ZIP codes in Miami Beach: its typical home value of $6,711,000 ranks #1 of the 4 Miami Beach ZIP codes we track (the citywide range runs from $429,000 in 33141 to $6,711,000 in 33109). Per square foot it costs about $2927, against $719 for Miami Beach as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 33109 | $6,711,000 | $2927 |
| Miami Beach, FL | $578,000 | $719 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 33109
Using this ZIP’s rate of about $2927 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $2,927,000 |
| 1,500 sq ft | $4,390,500 |
| 2,000 sq ft | $5,854,000 |
| 2,500 sq ft | $7,317,500 |
| 3,000 sq ft | $8,781,000 |
Salary needed to buy a home in ZIP 33109
To buy the typical $6,711,000 home in ZIP 33109 with 20% down, you need a household income of roughly $1,826,000 a year (about $42,600 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $2,169,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $335,600 | $52,950/mo | $2,269,000/yr |
| 10% (+PMI) | $671,100 | $50,620/mo | $2,169,000/yr |
| 20% | $1,342,200 | $42,600/mo | $1,826,000/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 ZIP 33109
At about $2927 per square foot, here is roughly how much home different budgets get you in ZIP 33109:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 50 sq ft | below the local median — condos, smaller or older homes |
| $200k | 70 sq ft | below the local median — condos, smaller or older homes |
| $250k | 90 sq ft | below the local median — condos, smaller or older homes |
| $300k | 100 sq ft | below the local median — condos, smaller or older homes |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 33109 home.
Estimate a specific home in 33109
The estimator below is pre-set to ZIP 33109 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Miami Beach ZIP codes by home value
Where 33109 sits among Miami Beach’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 33109 (this page) | $6,711,000 | $2927 |
| 2 | 33140 | $685,000 | $729 |
| 3 | 33139 | $471,000 | $708 |
| 4 | 33141 | $429,000 | $499 |
ZIP 33109 home prices: frequently asked
What is the average home price in ZIP code 33109? +
What is the price per square foot in 33109? +
What salary do you need to buy a house in ZIP 33109? +
Is 33109 an expensive ZIP code? +
See the full Miami Beach home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.