Cocoa Beach, Florida

This page has information about buying or renting a home in Cocoa Beach, Florida.
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If you are relocating to Cocoa Beach, Florida and interested in residential (homes) real estate, please click here. Relocating homebuyers may receive a FREE homebuyer's real estate relocation packet, which may include a map, a newspaper, lists of homes and houses at your destination, and more. This is an ideal, worry-free way to find your next home, house or other real estate. We want to help you make your move to Cocoa Beach, Florida as pleasant as possible.

Cocoa Beach is the home of beaches, boating, fishing, golfing and all water sports. If you like to golf, we also have homes and condos available on the golf course! Adjoining communities include Merritt Island, Satellite Beach and Cape Canaveral.

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Cocoa Beach Florida Important Information

Information about buying or renting a home or house in Cocoa Beach Florida

Buying or renting in Cocoa Beach Florida - Real Estate Relocation
Many potential home owners hesitate about entering the housing market because they feel that “owning costs too much.” But the fact is that after you consider income tax deductions, personal freedom, rent increases, and the accumulation of wealth through growing home equity, renters actually not only pay more, they also stand to lose tens of thousands of dollars of net worth.

Cocoa Beach Florida Tax Deduction

As a home owner in Cocoa Beach Florida, you will be able to deduct most of your monthly mortgage interest payments from your taxable income. As a result, your actual out-of-pocket home costs will run – depending on your combined federal, state and local income tax rates - 20 to 40 percent less than the amount of the check you write each month for your mortgage payment.

Cocoa Beach Florida - Freedom to make where you live your “home”

When you rent a home, you are living in someone else’s property. Any improvement, decoration, change has to be approved by the landlord. Some landlords here in Cocoa Beach Florida are great to rent from – others may not be such diligent landlords! You are not free to express yourself and make the place your own if you decide to rent a home in Cocoa Beach Florida. Homeownership gives you the freedom to do what you want with your home – whether it’s purple walls, beautiful wallpaper or a hand laid brick patio for your enjoyment!

Rents will go up in Cocoa Beach Florida

Sometimes, even after allowing for tax benefits, the monthly costs of owning may still look higher than renting. But that is a short term view. Today’s rent and mortgage payments are 10 to 20 times higher than they were 30 years ago. Back in the late 50’s you could rent or buy an average home for between $25 to $150 a month. Those wise buyers who locked in their housing payment 30 years ago avoided all the increases over the years that their renting contemporaries had to endure. Similarly, locking in your housing payment today will insure insulation from future cost-of-living increases that will affect the rental market over the next 10 to 20 years. In the year 2020, today’s rent and mortgage prices will seem ridiculously low! The difference will be that you will still be paying those ridiculously low housing payments if you buy a home today in Cocoa Beach Florida!

Equity Build Up in Cocoa Beach Florida

Over the last 200 years, home prices in across the country have appreciated rapidly, at other times depreciated. But on the whole, homeowners have always built more wealth than renters. Even if your home doesn’t appreciate (a highly unlikely event), at the end of your mortgage term, you will own a valuable asset free and clear. You’ll own nothing if you continue to rent during that time. But if your home does appreciate, your equity will be worth much more than you have paid for it, even factoring in interest payments.

When is it a good time to rent in Cocoa Beach Florida?

If you are only going to be in Cocoa Beach Florida for a short amount of time you may want to consider renting rather than buying. Normally you have to own a home for a couple of years to realize enough profit from appreciation to pay for selling expenses. Talk to your Cocoa Beach New Quest City agent to see how long you would have to own a home to be able to break even when you sell.

So consider buying a home in Cocoa Beach Florida!

Cocoa Beach is a city located in Brevard County, Florida. As of the 2000 census, the city had a total population of 12,482.

Cocoa Beach is located at 28°19'52" North, 80°36'47" West (28.331035, -80.613035)1.

According to the United States Census Bureau, the city has a total area of 39.0 km² (15.0 mi²). 12.7 km² (4.9 mi²) of it is land and 26.3 km² (10.1 mi²) of it is water. The total area is 67.49% water.

As of the census of 2000, there are 12,482 people, 6,529 households, and 3,532 families residing in the city. The population density is 985.5/km² (2,552.1/mi²). There are 8,709 housing units at an average density of 687.6/km² (1,780.6/mi²). The racial makeup of the city is 96.64% White, 0.62% African American, 0.22% Native American, 1.07% Asian, 0.06% Pacific Islander, 0.30% from other races, and 1.08% from two or more races. 2.52% of the population are Hispanic or Latino of any race.

There are 6,529 households out of which 12.9% have children under the age of 18 living with them, 45.5% are married couples living together, 5.8% have a female householder with no husband present, and 45.9% are non-families. 38.3% of all households are made up of individuals and 18.7% have someone living alone who is 65 years of age or older. The average household size is 1.91 and the average family size is 2.47.

In the city the population is spread out with 12.2% under the age of 18, 3.8% from 18 to 24, 22.0% from 25 to 44, 27.6% from 45 to 64, and 34.4% who are 65 years of age or older. The median age is 54 years. For every 100 females there are 99.3 males. For every 100 females age 18 and over, there are 96.4 males.

The median income for a household in the city is $42,372, and the median income for a family is $51,795. Males have a median income of $39,418 versus $27,113 for females. The per capita income for the city is $28,968. 6.5% of the population and 3.7% of families are below the poverty line. Out of the total people living in poverty, 9.8% are under the age of 18 and 4.0% are 65 or older.

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