Indian Rocks Beach today
What this means
Values in Indian Rocks Beach are still rising: +2.7% in the past year.
Treat these as area figures and confirm rent with comps. Sources and method: how these figures are built.
Quick facts
| Indian Rocks Beach | vs Pinellas County | vs Florida | |
|---|---|---|---|
| Population | 3,563 (2025 estimate) | ||
| Growth since 2020 | -3% | -1.9 pts | -11.9 pts |
| Median home value | $738,800 | 108% higher | 106% higher |
| Median gross rent | $1,863 | 13% higher | 12% higher |
| Median household income | $98,611 | 36% higher | 32% higher |
| Owner occupied homes | 76.4% | +6.9 pts | +8.8 pts |
| Residents 65 and older | 37.1% | +10.7 pts | +15.8 pts |
| Average commute (minutes) | 25 | about the same | 10% lower |
| Homes built 2010 or later | 4.4% | -1.4 pts | -9.8 pts |
| Median property tax paid | $4,639 | 88% higher | 70% higher |
Census survey figures are 2020 to 2024 averages; methods.
Living in Indian Rocks Beach
Pinellas beach city on Sand Key between the Gulf and the Intracoastal Waterway, incorporated in 1956, with tourism as its main industry.
Indian Rocks Beach is an incorporated city in Pinellas County, with its own zoning and rental rules.
Known for: 26 public beach accesses; Kolb Park; nature preserve
How it has grown: Small beach town with no high rise downtown.
Compared with Pinellas County as a whole, the median value of $738,800 is above the county's $355,100; more homes are seasonal or vacation homes (24.9% vs 9.2%); household incomes are higher ($98,611 vs $72,646) and the population is older (37.1% age 65 or older vs 26.4%).
Cities with similar prices and rents: Winter Park ($731,400, $1,738), St. Pete Beach ($675,700, $1,811), Marathon ($725,800, $1,633).
Growth and housing
The Census estimates 3,563 residents in 2025, down from 3,675 in 2020.
Median year built: 1981. Apartments and condos make up a large share: 41.5% of homes are in buildings of five or more units. Households average 1.89 people.
6.5% of residents moved in from another state in the past year (county 3.3%).
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $4,063 a year |
| Coastal county | check flood zone and elevation per address |
With 45.6% of the stock built before 1980, budget for roof, electrical and plumbing updates. Inspections
Large buildings hold 15.5% of homes here; read the reserve study before buying a condo. Condo financing
Flood, storms and jobs
The city earned Community Rating System class 6; federal flood policies in its high risk zones cost 20% less. Insured homes in the city filed 1,365 flood claims since 2000, with $117,736,653 paid. Countywide, 1.2% of homes sit in a FEMA high risk zone; the Pinellas County guide has the full flood, storm and jobs picture.
Buying a home in Indian Rocks Beach
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $738,800 |
Price to income: 7.5x, compared with 4.9x for the county.
- Conventional: the default for buyers with solid credit and 5% or more down.
- VA: veterans are 7.6% of adults.
- Jumbo: many homes here run near or past the $832,750 conforming limit.
Investing in Indian Rocks Beach
Long term rentals
| Indian Rocks Beach | vs Pinellas County | |
|---|---|---|
| Renter occupied homes | 23.6% | -6.9 pts |
| Rental vacancy | 37.9% | +28.8 pts |
| Rent as share of renter income | 24.5% | -10.5 pts |
Short term rentals
With 24.9% of homes kept for seasonal use, Indian Rocks Beach is a true vacation market.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 6% |
| State sales tax | 6% plus any county surtax |
Rules vary street by street; verify zoning and HOA limits early. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 25.4% |
| Buildings with 5+ units | 41.5% |
| Manufactured homes | 0% |
Nearby
Other Florida markets
Sources
- U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
- U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
- U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
- FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
- LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
- Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
- Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
- Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
- Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
- Wikipedia: List of counties in Florida. checked October 2026.
- U.S. Census Bureau county adjacency file. 2024.
- Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
- Wikipedia article for this place (history, setting, roads). checked October 2026.
- Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
- Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
- U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
- FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
- FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
- FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
- FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
- U.S. Census Bureau, County Business Patterns 2023. 2023.
- U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
- Hurricane landfalls: Wikipedia, List of Florida hurricanes (2000 to present). checked October 2026.
Estimates from public data; they change over time. General information, not investment, tax or legal advice, and not a loan offer. Methods and assumptions.