Indian Harbour Beach, FL population, income and ZIP codes

Indian Harbour Beach city is a mid-size town in Florida, with 8,991 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #360 of 955 ranked by population — larger than 62% of them. The median age here is 48.5 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Indian Harbour Beach city earn a median of $98,046 a year, 24.8% above the national figure of $78,538 and 43% above the $68,617 median for the 775 Florida cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 14.8% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Indian Harbour Beach city is valued at $387,400, 27.7% above the national figure and 27% above the $305,300 peer median, while median gross rent runs $1,674 a month, 19.1% above the national figure, or roughly $20,088 across a full year. A household on the local median income would put about 20.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 78.3% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.