Madeira Beach today
What this means
Home values here climbed 1.9% in a year.
Permits January to September 2026: 61 homes, 307% more than 2025.
Treat these as area figures and confirm rent with comps. Sources and method: how these figures are built.
Quick facts
| Madeira Beach | vs Pinellas County | vs Florida | |
|---|---|---|---|
| Population | 3,940 (2025 estimate) | ||
| Growth since 2020 | 1.2% | +2.3 pts | -7.7 pts |
| Median home value | $722,800 | 104% higher | 101% higher |
| Median gross rent | $2,326 | 42% higher | 39% higher |
| Median household income | $75,781 | 4% higher | 2% higher |
| Owner occupied homes | 66.1% | -3.4 pts | -1.5 pts |
| Residents 65 and older | 28.9% | +2.5 pts | +7.6 pts |
| Average commute (minutes) | 46 | 85% higher | 66% higher |
| Homes built 2010 or later | 4.9% | -0.9 pts | -9.3 pts |
| Median property tax paid | $6,052 | 145% higher | 122% higher |
Census survey figures are 2020 to 2024 averages; methods.
Living in Madeira Beach
Pinellas barrier island city between the Gulf and Boca Ciega Bay, shaped by the 1848 hurricane that cut John's Pass, incorporated in 1947.
As an incorporated city, Madeira Beach sets its own zoning inside Pinellas County.
Known for: John's Pass Village; Church by the Sea; Tom Stuart Causeway
How it has grown: Dredging in the 1950s and 1960s expanded its land.
Next to the rest of Pinellas County, homes are pricier than the county median ($722,800 vs $355,100); commutes are longer (46 vs 25 minutes); more homes are seasonal or vacation homes (28.6% vs 9.2%) and the Census median rent is $2,326, above the county's $1,642.
Closest matches on price and rent: Miramar Beach ($733,000, $2,250), Lakewood Ranch ($678,200, $2,299), Boca Raton ($722,700, $2,508).
Growth and housing
Madeira Beach changed 1.2% in population from 2020 to 2025 (county -1.1%, Florida 8.9%).
| 2025 building permits | Madeira Beach |
|---|---|
| Single family | 24 |
| 5 or more units | 0 |
| Total units | 24 |
| Per 1,000 residents | 6.1 |
Half the homes are older than 1974. Apartments and condos make up a large share: 47.4% of homes are in buildings of five or more units. Average household size is 2.02.
Each year about 15.7% of residents arrive from other states.
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 |
Older homes (61.2% built before 1980) draw insurer questions about roofs and wiring. Inspections
Before buying in one of the larger buildings (32.8% of housing), check reserves, minutes and insurance. Condo financing
Flood, storms and jobs
Madeira Beach has its own flood program rating: CRS class 6, which takes 20% off federal flood premiums in high risk zones. Since 2000, flood insurance has paid $188,408,048 on 1,868 claims inside Madeira Beach. 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 Madeira Beach
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $541,287 |
| Conforming, one unit | $832,750 |
| Median home value here | $722,800 |
Homes cost 9.5 times median household income here (Pinellas County 4.9, Florida 4.8).
- Conventional: mortgage insurance drops off as equity builds.
- VA: veterans are 9.2% of adults.
- Jumbo: many homes here run near or past the $832,750 conforming limit.
Investing in Madeira Beach
Long term rentals
| Madeira Beach | vs Pinellas County | |
|---|---|---|
| Renter occupied homes | 33.9% | +3.4 pts |
| Rental vacancy | 43.2% | +34.1 pts |
| Rent as share of renter income | 51% | +16.0 pts |
Short term rentals
Vacation demand is real here, with 28.6% of homes held for seasonal use, and so is the competition.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 6% |
| State sales tax | 6% plus any county surtax |
Check the address against local zoning and the HOA documents first. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 37.2% |
| Buildings with 5+ units | 47.4% |
| Manufactured homes | 1.1% |
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.