Moving to Madeira Beach, Florida: The 2026 Data Guide
As of 2026-09-09, the median home sold in Madeira Beach, Florida over the last 12 months went for $592,000 (48 closings across 16 communities in Momentum’s MLS record), about $359 per square foot for a median 1,428-sq-ft home built around 1973. Homes currently listed have been on the market a median of 57 days, and with 35 active listings against that sales pace the city is carrying roughly 8.8 months of supply. Sellers have been getting about 87% of their original asking price. That median is 47% above the median across Momentum’s Florida and Georgia coverage.
What your budget buys in Madeira Beach
Three price points from 49 recent Madeira Beach closings in our record, each showing what actually closed within 10% of that price:
- Around $300,000: the typical sale in this band was a 2-bed, 1.5-bath home of about 1,040 sq ft, built around 1973 (9 sales).
The real monthly cost of owning in Madeira Beach
Take the median $592,000 home with 20% down at today’s 6.71% 30-year rate: principal and interest run about $3,059/month. Pinellas County’s typical total millage is 19.39 mills, so after the $50,000 homestead exemption the property tax is roughly $10,507/year ($876/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 Pinellas County is about $1,911/year; private-market quotes vary with roof age and wind mitigation. 17% of current Madeira Beach listings carry an HOA, with a median of $827/month where one applies. All in, budget on the order of $4,094/month to own the median Madeira Beach home.
For the full worksheet — taxes by scenario, the homestead exemption, and how the Save Our Homes cap works after year one — see the Pinellas County property tax guide and our home insurance by county map.
Where people are buying: Madeira 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 |
|---|---|---|---|
| Madeira Beach Yacht Club Condo | 14 | $332,500 | 57 |
| Crystal Island | 7 | $770,000 | 110 |
| Madeira Shores | 6 | $635,000 | 72 |
| Bay Point Estates | 5 | $1,950,000 | 51 |
Madeira Beach by ZIP code
Sales and medians by ZIP over the same 12 months: 33708 (49 sales, median $442,500).
What’s for sale: property types, new construction, and age of homes
Of the last 12 months of sales, 61% were single-family homes, 12% townhomes or villas, and 27% condos. New construction accounted for 3% of closings. The housing stock skews older: 12% of homes sold were built in 2015 or later and 71% before 1980.
Getting around from Madeira Beach
Measured from the center of Madeira Beach’s recent sales: Tampa International Airport (TPA) is about 20 miles; Downtown Tampa is about 23 miles; Sarasota is about 36 miles; Lakeland is about 54 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 Pinellas 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 Pinellas County’s typical millage of 19.39; municipal and special-district millage varies inside the county. Insurance uses Citizens’ Pinellas County average of $1,911/year; a wind-mitigation inspection and roof age can move a private quote a long way in either direction.
Madeira Beach: the case for and against
What works in Madeira Beach’s favor
- about 8.8 months of supply gives buyers room to negotiate
- insurance is comparatively manageable here (Citizens average $1,911/year)
- most listings (83%) have no HOA
- no state income tax, and Florida’s Save Our Homes cap limits assessment growth once you homestead
What to plan for
- prices run 47% above the statewide median in our coverage
- property taxes reset to your purchase price, so never budget off the seller’s bill
Your Madeira Beach relocation toolkit
Common questions about moving to Madeira Beach
How much does a house cost in Madeira Beach, FL?
What does it cost per month to own a home in Madeira Beach?
What are property taxes like in Madeira Beach?
Is Madeira Beach a buyer's or seller's market right now?
Is there a lot of new construction in Madeira Beach?
Does Florida have a state income tax?
Sales figures are Momentum Realty’s MLS record of closings in Madeira 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 Pinellas County data. Estimates, not guarantees; verify before relying on them. General relocation guidance, not financial advice. Equal Housing Opportunity.