Moving to Cocoa Beach, Florida: The 2026 Data Guide
As of 2026-09-11, the median home sold in Cocoa Beach, Florida over the last 12 months went for $872,000 (27 closings across 34 communities in Momentum’s MLS record), about $431 per square foot for a median 2,008-sq-ft home built around 1972. Homes currently listed have been on the market a median of 59 days, and with 77 active listings against that sales pace the city is carrying roughly 34.2 months of supply. Sellers have been getting about 95% of their original asking price. That median is 117% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Cocoa Beach
Three price points from 102 recent Cocoa Beach closings in our record, each showing what actually closed within 10% of that price:
- Around $465,900: the typical sale in this band was a 3-bed, 2-bath home of about 1,325 sq ft, built around 1972 (15 sales).
- Around $872,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,740 sq ft, built around 1962 (12 sales).
- Around $855,000: the typical sale in this band was a 3-bed, 2-bath home of about 1,788 sq ft, built around 1962 (14 sales).
The real monthly cost of owning in Cocoa Beach
Take the median $872,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $4,506/month. Brevard County’s typical total millage is 15.60 mills, so after the $50,000 homestead exemption the property tax is roughly $12,826/year ($1,069/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 Brevard County is about $2,348/year; private-market quotes vary with roof age and wind mitigation. 69% of current Cocoa Beach listings carry an HOA, with a median of $1,000/month where one applies. All in, budget on the order of $6,771/month to own the median Cocoa Beach home including a typical HOA.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Brevard County property tax guide and our home insurance by county map.
Where people are buying: Cocoa Beach’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.
| Community | Sales (12 mo) | Median | Days listed |
|---|---|---|---|
| Cocoa Isles | 12 | $790,000 | — |
| Cocoa Ocean Beach | 12 | $457,000 | — |
| Cocoa Beach | 12 | $871,875 | 59 |
| Avon By The Sea Cape Canaveral | 12 | $568,000 | — |
Cocoa Beach by ZIP code
Sales and medians by ZIP over the same 12 months: 32931 (88 sales, median $660,000), 32920 (10 sales, median $434,250).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 69% were single-family homes, 3% townhomes or villas, and 28% condos. The housing stock skews older: 6% of homes sold were built in 2015 or later and 66% before 1980.
Getting around from Cocoa Beach
Measured from the center of Cocoa Beach’s recent sales: Melbourne is about 17 miles; Orlando International Airport (MCO) is about 43 miles; Downtown Orlando is about 49 miles; Daytona Beach is about 66 miles. Distances are straight-line; drive times depend on the corridor and time of day.
Schools, taxes, and insurance: where to verify
School assignments change; check the Brevard 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 Brevard County’s typical millage of 15.60; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Brevard County average of $2,348/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Cocoa Beach: the case for and against
What works in Cocoa Beach’s favor
- about 34.2 months of supply gives buyers room to negotiate
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 117% above the statewide median in our coverage
- 69% of listings carry an HOA (median $1,000/month)
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Cocoa Beach relocation toolkit
- Homes for sale in Cocoa Beach right now
- Cost of living in Cocoa Beach
- Best neighborhoods in Cocoa Beach
- New construction in Cocoa Beach
- Find an agent in Cocoa Beach
- Search every Cocoa Beach community
Common questions about moving to Cocoa Beach
How much does a house cost in Cocoa Beach, FL?
What does it cost per month to own a home in Cocoa Beach?
What are property taxes like in Cocoa Beach?
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Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Cocoa Beach 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 Brevard County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.