Moving to Boca Raton, Florida: The 2026 Data Guide

By Jon Brooks, Co-Founder, Momentum Realty · Updated November 12, 2026

As of 2026-11-12, the median home sold in Boca Raton, Florida over the last 12 months went for $490,000 (408 closings across 749 communities in Momentum’s MLS record), about $358 per square foot for a median 1,572-sq-ft home built around 1985. Homes currently listed have been on the market a median of 29 days, and with 1,335 active listings against that sales pace the city is carrying roughly 39.3 months of supply. Sellers have been getting about 95% of their original asking price. That median is 22% above the median across Momentum’s Florida and Georgia coverage.

Boca Raton is a luxury market by any Florida measure, and the median reflects the country-club and waterfront communities that dominate its closings. What the median hides is the other Boca: the villa and condo communities where a home sells for a fraction of that number, and where a lot of relocating buyers actually land.

The months-of-supply figure is the tell. Boca has more inventory relative to its sales pace than most of the state, which means buyers here have time and leverage they do not have in Jacksonville or Tampa.

What your budget buys in Boca Raton

Three price points from 2,688 recent Boca Raton closings in our record, each showing what actually closed within 10% of that price:

• Around $330,000: the typical sale in this band was a 2-bed, 2-bath home of about 1,302 sq ft, built around 1985 (194 sales).
• Around $490,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,571 sq ft, built around 1985 (200 sales).
• Around $1,240,000: the typical sale in this band was a 4-bed, 2.5-bath home of about 2,392 sq ft, built around 1985 (131 sales).

The spread between the price bands is wider here than almost anywhere on this site. At the lower band you are buying into an established villa or condo community; at the top band you are buying a country-club or waterfront home where the lot and the club are most of the price. The middle band is where the choices multiply, and it is where the difference between an HOA of a few hundred dollars and a club membership becomes the deciding factor.

The real monthly cost of owning in Boca Raton

Take the median $490,000 home with 20% down at today’s 7.18% 30-year rate: principal and interest run about $2,656/month. Palm Beach County’s typical total millage is 18.72 mills, so after the $50,000 homestead exemption the property tax is roughly $8,236/year ($686/month) for a new owner — the seller’s capped bill on the listing will be lower and is not your number. Citizens Property Insurance’s average premium in Palm Beach County is about $1,753/year; private-market quotes vary with roof age and wind mitigation. 89% of current Boca Raton listings carry an HOA, with a median of $662/month where one applies. All in, budget on the order of $4,150/month to own the median Boca Raton home including a typical HOA.

The HOA line is the one to study. The median HOA where one applies is high because it often bundles amenities, insurance on common structures, and in some communities a mandatory club component. That can make a lower-priced home cost more per month than a higher-priced one without those fees. Palm Beach County's millage is also on the higher side, so the tax reset at purchase is a bigger number here than the same percentage would be elsewhere.

For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Palm Beach County property tax guide and our home insurance by county map.

Where people are buying: Boca Raton’s most active communities

The communities with the most closings in the last 12 months, with each one’s median sale and how long its current listings have been on the market. Every name links to that community’s own guide with live listings.

The table runs from Royal Palm Yacht and Country Club at the very top of the South Florida market to Whisper Walk and Boca Bayou at the entry level, and every community between them is its own price world. Boca is unusual in that the most active community by sales count is one of the most expensive; in most cities it is the opposite. Read the median column, not just the sales column.

Boca Raton by ZIP code

Sales and medians by ZIP over the same 12 months: 33433 (498 sales, median $447,500), 33434 (355 sales, median $387,000), 33496 (354 sales, median $877,500), 33432 (353 sales, median $1,549,000), 33428 (328 sales, median $475,000), 33431 (261 sales, median $710,000).

What’s for sale: property types, new construction, and age of homes

Of the last 12 months of sales, 45% were single-family homes, 15% townhomes or villas, and 39% condos. New construction accounted for 3% of closings, led by Boca Villas. The housing stock skews mixed: 8% of homes sold were built in 2015 or later and 27% before 1980.

A quarter of what sold was built before 1980, and in Boca that is often a positive: the older neighborhoods east of the interstate are the ones closest to the beach and downtown. The condo share is meaningful and getting more scrutiny statewide because of Florida's condo reserve and inspection rules, so on any condo here ask for the milestone inspection and the reserve study before you fall in love with the view.

Getting around from Boca Raton

Measured from the center of Boca Raton’s recent sales: Fort Lauderdale is about 17 miles; West Palm Beach is about 25 miles; Miami International Airport (MIA) is about 40 miles; Downtown Miami is about 42 miles. Distances are straight-line; drive times depend on the corridor and time of day.

Boca sits between the Fort Lauderdale and West Palm Beach employment centers with I-95 and the Turnpike as the spine. Both downtowns are commutable; Miami is a long drive and most Boca residents treat it as a destination rather than a daily trip. The Brightline stations in the corridor have changed the calculation for some buyers who work in Miami.

Schools, taxes, and insurance: where to verify

School assignments change; check the Palm Beach County school grades page for the district’s current grades, and confirm zoning for a specific address directly with the district. Property tax figures on this page use Palm Beach County’s typical millage of 18.72; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Palm Beach County average of $1,753/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.

Boca Raton: the case for and against

Boca is a place where inventory gives buyers leverage and where the monthly cost is driven as much by fees and taxes as by the mortgage. Go in with the full carrying cost calculated, and treat the HOA as part of the price.

Your Boca Raton relocation toolkit

• Homes for sale in Boca Raton right now
• Cost of living in Boca Raton
• Best neighborhoods in Boca Raton
• New construction in Boca Raton
• Find an agent in Boca Raton
• Boca Raton ZIP codes with prices
• Search every Boca Raton community

Common questions about moving to Boca Raton

Sales figures are Momentum Realty’s MLS record of closings in Boca Raton communities over the trailing 12 months (community snapshots as of their last refresh; price-band examples from the most recent closings on file); tax and insurance figures are Palm Beach County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.