Madeira Beach, FL population, income and ZIP codes

Madeira Beach city is a small town in Florida, with 3,937 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #535 of 955 ranked by population — larger than 44% of them. The median age here is 59.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Madeira Beach city earn a median of $79,798 a year, 1.6% above the national figure of $78,538 and 16% above the $68,617 median for the 775 Florida cities we cover. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 8.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Madeira Beach city is valued at $696,400, 129.5% above the national figure and 128% above the $305,300 peer median, while median gross rent runs $2,080 a month, 47.9% above the national figure, or roughly $24,960 across a full year. A household on the local median income would put about 31.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 8.7×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 60.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 8.7× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 59.3 puts Madeira Beach city well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.