Key Biscayne 33149

Miami-dade County, FL · 7,388 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

3affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
58.9%
severe
Days on market
100
daily
Price cuts
10.8%
of active
Valuation
-30%
vs assessor
Look up an address
34
/100
Weak
stable · balanced · prices rising year-over-year.
Price trend
70
Affordability
10
Valuation
35
Economic health
3

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

56/ 100SellerBalancedBuyer
Balanced Market
Needs 49.1% correction for affordability
DOM: 117d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)100
Valuation Gap (25%)10
Supply & Demand (20%)40
Buy vs Rent (15%)50
Cancellation Rate (10%)75
Days on Market (5%)100

Balanced market in 33149. List price is roughly fair — focus on condition and value. Payment burden: 59.0% of median income. A 41% price correction needed to reach 30% affordability threshold. Median days on market: 117. Renting is approximately 36% cheaper than buying (price-to-rent ratio: 16.3).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLEBALANCED

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$1,672,309
▴ 1.8% YoY
Days on market
100
daily · zip_data
Median rent
$8,551
ZORI
Investor score
66/100
cash-flow lens
Active listings
155
90-day

Valuation3 lenses, different anchors

vs assessor
-30.0%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$1,170,677
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+84.7%
County-wide market — the widest, slowest signal.
Miami-Dade+84.7%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$740
Price-to-income9.7×

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How 33149 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity18%
Supply tightness73%
Affordability4%
Investment yield41%
Appreciation89%

Affordability, supply & momentum

34SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply5.2 mo
Days on Market100d
Inv vs History-1.9%
Listing Density33.1/1k
Affordability — payment burden
Monthly payment (P&I)$8,447
Payment burden58.9%
Median income · ZIP$171,982
Mortgage rate6.49% · 30yr
Total monthly own$10,120
Monthly rent$8,551
Market dynamics
Price cut %10.8%
Momentumstable
LeverageBALANCED
Months of supply5.2
Sales (90d)0
Investment analysis
Median rent$8,551
Price-to-rent16.3
Est. cap rate4.0%
Buy vs rentneutral

Livability

Walk score14
Transit score7
Bike score

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Miami-dade County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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