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City Report · FL

Indian Rocks Beach

Pop. 3,664·82nd most expensive in Florida·Rents have been falling, good time to negotiate
Median rent (all units)
$2,424/mo
Year-over-Year
Stable
Month-over-Month
-12.7%
vs US Median
+$462
Falling (Monthly)
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Most AffordableMost Expensive
Indian Rocks Beach · $2,424
More expensive than 77% of US cities · National median $1,962/mo
Affordability
29% of income
AFFORDABLE
0%30% benchmark60%+

At $2,424/mo, rent takes about 29% of the local median household income, comfortably within the 30% benchmark.

Income to afford
$97,000/yr
Local median income
$98,611/yr
Based on the 30%-of-income rule using Indian Rocks Beach's median rent and household income. See the full affordability breakdown →
Medians by bedroom

Rent by unit size

Studio
$1,690
1 BR
$1,820
2 BR
$2,140
3 BR
$2,740
4 BR+
$3,330
Fair Market Rent (HUD)
$2,140/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $2,424 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: August 17, 2026

Annual cost
$29,088/yr
At $2,424/mo median
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 0.0% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (+0.0% YoY, -12.7% MoM), not inventory.
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Demographics

Who lives here

Indian Rocks Beach, FL is majority owner-occupied, has a large retiree population, has a median income above the national average, 48% of residents hold a bachelor's degree or higher.

Population
3,664
Median income
$98,611
Median age
58.6
Renters
23.6%
Age distribution
13.6%
23.6%
20.7%
37.1%
Under 185%
18–3413.6%
35–5423.6%
55–6420.7%
65+37.1%
Gender
47.9%
52.1%
Male47.9%
Female52.1%
Race & ethnicity
88.4%
White88.4%
Black0.5%
Hispanic7.7%
Asian4.1%
Education (25+)
17.6%
32.5%
48%
No HS diploma1.9%
HS diploma17.6%
Some college32.5%
Bachelor's+48%
Housing tenure
76.4%
23.6%
Owner76.4%
Renter23.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Indian Rocks Beach, FL has changed in 5 years

Income
$83,348 → $98,611
up 18.3%
Population
3,740 → 3,664
down 2.0%
Renter share
28.5% → 23.6%
-4.9 pts
Bachelor's+
47.1% → 48%
+0.9 pts
Median age
56.9 → 58.6
+1.7 yrs

Census figures show median household income at $98,611 today, compared with $83,348 five years earlier. Headcount in the area went from 3,740 to 3,664 between 2021 and 2024, a 2.0% change. About 23.6% of households rent today, against 28.5% in 2021.

Community

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View Indian Rocks Beach rent history (2015–2026) →
Salary vs rent

Can you afford rent in Indian Rocks Beach on your salary?

At $2,424/mo, how Indian Rocks Beach rent compares to typical pay (30% rule).

By apartment size

Indian Rocks Beach rent by bedroom count

Median rent for each apartment size in Indian Rocks Beach. Click any size for full breakdown.

Local insights

Tips for renters in Indian Rocks Beach

About renting in Indian Rocks Beach, FL

Last updated: August 17, 2026

The median rent in Indian Rocks Beach is $2,424/mo as of August 2026. A studio apartment averages $1,690/mo while a 2-bedroom runs $2,140/mo. One-bedroom apartments average $1,820/mo and 3-bedroom units go for $2,740/mo.

At 29% of local median household income ($98,611/yr), Indian Rocks Beach ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

Is Indian Rocks Beach an affordable city for renters?

Indian Rocks Beach is considered affordable for renters. At $2,424/mo, rent takes approximately 29% of the local median household income ($98,611/yr). The standard benchmark is 30%. Indian Rocks Beach falls comfortably within that range.

How much income do you need to rent in Indian Rocks Beach?

To keep rent at or below 30% of gross income, you would need to earn at least $97,000/year (~$47/hour full-time) to afford the median rent of $2,424/mo in Indian Rocks Beach. The local median household income is $98,611/yr, meaning the typical Indian Rocks Beach household meets that threshold.

Is rent going up or down in Indian Rocks Beach?

Rent in Indian Rocks Beach has been relatively stable over the past year, with a 0.0% change year over year as of August 2026.

How does Indian Rocks Beach rent compare to other cities in Florida?

Indian Rocks Beach is one of the pricier cities in Florida for rent, ranking #82 out of 291 tracked cities at $2,424/mo.

Which nearby cities are cheaper to rent in than Indian Rocks Beach?

Several nearby cities have lower median rents than Indian Rocks Beach ($2,424/mo): Largo ($1,826/mo), Clearwater ($1,939/mo), Madeira Beach ($2,138/mo).

What percentage of Indian Rocks Beach residents rent vs. own?

According to Census data, approximately 23.6% of Indian Rocks Beach households are renters, while 76.4% are owner-occupied. Indian Rocks Beach leans toward homeownership, which can mean a smaller rental inventory.

How does Indian Rocks Beach rent compare to the national average?

Indian Rocks Beach's median rent of $2,424/mo is $462 (24%) above the US national median of $1,962/mo. Within Florida, it ranks #82 out of 291 tracked cities.
Income Affordability
29%
AFFORDABLE

At $2,424/mo, rent takes ~29% of Indian Rocks Beach's median household income ($98,611/yr). The standard benchmark is 30%.

Indian Rocks Beach 29%Benchmark 30%
State income taxNone
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Indian Rocks Beach, FL

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