City profile · Florida · Census ACS 2023

Indian Rocks Beach, FL

Population, income, housing, safety, climate and schools for Indian Rocks Beach - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

3,667
Residents
$98,279
Median income
$707,700
Median home
$1,977
Median rent (state)

Indian Rocks Beach - the verdict

Out of every US city with 1,000+ residents, Indian Rocks Beach places in the 77th percentile for household income. Source: Census ACS.

77th
percentile, household income
93rd
percentile, home value
83rd
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Indian Rocks Beach, FL

Census ACS 2023 estimates count 3,667 residents in Indian Rocks Beach, a small town within Florida. Median household income here is $98,279 per year, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 5.4%. Typical homes in Indian Rocks Beach are valued around $707,700, and the median resident age is 58.1 years. 45.3% of adults here have a bachelor's degree or higher; 53.6% of working-age residents are in the labor force.

The Census Building Permit Survey recorded 0 residential units authorized here in 2024 (No Permits), down 100% from five years earlier.

Florida carries a cost-of-living premium: on BEA's 100-equals-national-average cost index, Florida scores 103.4 (Above Average), per the 2024 Regional Price Parities release. A typical two-bedroom carries a HUD Fair Market Rent of $1,977 per month statewide. Monthly utility costs average around $225 across Florida, per EIA 2023 residential energy estimates. FEMA's National Risk Index rates natural-hazard exposure at 98.2 out of 100 (Very High).

Population

3,667 residents

Census ACS 2023 - Florida

Median Household Income

$98,279 /yr

Poverty 5.4%

Cost of Living Index (state)

103.4 (US=100)

Above Average - BEA RPP 2024, Florida average

How does Indian Rocks Beach compare to other US cities?

Here's how Indian Rocks Beach stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.

Household income 77% higher than other cities
Home value 93% pricier than other cities
Median rent 83% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

Each percentile compares Indian Rocks Beach against every qualifying US city; each in-state rank narrows that to Florida only. Full formula and direction notes: methodology.

Florida-relative analysis

Median Home Value is Indian Rocks Beach's strongest outlier among Florida cities

Among the 894 Florida cities PlainCities tracks with reported median home value data, Indian Rocks Beach ranks #51 - the 94th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Indian Rocks Beach only against its own state's cities, not the full US field.

Median Household Income
#167 of 903
82nd percentile in Florida
Median Gross Rent
#185 of 930
68th percentile in Florida
Median Home Value
#51 of 894
94th percentile in Florida
Poverty Rate
#601 of 930
35th percentile in Florida
Bachelor's Degree or Higher
#182 of 930
80th percentile in Florida

Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Florida only, not a livability score. See the methodology for the source and calculation.

77thIncome percentile

77th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How Indian Rocks Beach's home value compares nationally

Median home value vs. every US city (population 1,000+)

$707,700 7th percentile more affordable than 7% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). Below this entry. $275,000–$300,000: 712 US cities (5%). Below this entry. $300,000–$325,000: 521 US cities (3%). Below this entry. $325,000–$350,000: 526 US cities (3%). Below this entry. $350,000–$375,000: 465 US cities (3%). Below this entry. $375,000–$400,000: 393 US cities (3%). Below this entry. $400,000–$425,000: 317 US cities (2%). Below this entry. $425,000–$450,000: 300 US cities (2%). Below this entry. $450,000–$475,000: 307 US cities (2%). Below this entry. $475,000–$500,000: 250 US cities (2%). Below this entry. $500,000–$525,000: 160 US cities (1%). Below this entry. $525,000–$550,000: 156 US cities (1%). Below this entry. $550,000–$575,000: 172 US cities (1%). Below this entry. $575,000–$600,000: 172 US cities (1%). Below this entry. $600,000–$625,000: 163 US cities (1%). Below this entry. $625,000–$650,000: 167 US cities (1%). Below this entry. $650,000–$675,000: 135 US cities (1%). Below this entry. $675,000–$700,000: 101 US cities (1%). Below this entry. $700,000–$725,000: 95 US cities (1%). This entry sits in this band. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Indian Rocks Beach $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Indian Rocks Beach, FL Indian Rocks Beach, FL's reported median household income shown against the U.S. national quintile-share pattern (not Indian Rocks Beach, FL-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Indian Rocks Beach, FL median $98,279/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Indian Rocks Beach, FL's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Indian Rocks Beach, FL. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 45.3%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 5.4%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 53.6%

Census ACS S2301, share of working-age residents in the labor force

Population
3,667
Median Income
$98,279
Median Home Value
$707,700
Median Age
58.1
Poverty Rate
5.4%
Labor force participation
53.6%
Bachelor's Degree+
45.3%

Population Change

Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025

See the fastest-growing cities →
3,550 residents3,600 residents3,650 residents3,700 residents 202020212022202320242025 3,673 residents 3,563 residents ▼ -3.0%
Indian Rocks Beach's Census PEP population estimates, 2020–2025.

Housing Supply

Census Bureau Building Permits Survey (BPS) - annual residential permits authorized

Total Permits (2024)
0
housing units authorized
Single-Family
0
detached homes
Multifamily
0
apartments & condos

5-Year Permit Trend (2019–2024)

Year Total
2019 10
2020 2
2021 0

Permit volume decreased 100% from 2019 to 2021.

Commute Patterns

How workers travel to work, Census ACS 2023

Drive Alone
62.5%
Carpool
1.3%
Public Transit
0.0%
Walk
4.6%
Work from Home
30.0%
Other
1.6%

Based on 1,832 workers 16 and over.

Monthly Utility Costs

State-average estimates for Florida - EIA 2023 residential energy data

Electricity
$145
avg/month
Natural Gas
$25
avg/month
Water & Sewer
$55
avg/month
Total Utilities
$225
estimated/month

Estimates reflect Florida state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Florida state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Indian Rocks Beach sits in

Cost of Living Index
103.4
Above Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$1,977/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
98.2 / 100
Very High
FEMA NRI composite score (county)

Similar Cities in Florida

Chipley
3,678 people
Montura
3,678 people
North River Shores
3,655 people
Watergate
3,709 people
High Point
3,618 people
Hill 'n Dale
3,722 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Indian Rocks Beach's 3,667 residents (Census ACS 5-Year 2023).

Rexland Acres, CA
3,667 people
Thomasville, AL
3,668 people
Nome, AK
3,668 people
Eastover, NC
3,666 people
Camden, ME
3,665 people
Frontenac, MO
3,669 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Indian Rocks Beach's $98,279 (Census ACS 5-Year 2023, table B19013).

Cambridge, KY
$98,281 median income
Powellville, MD
$98,281 median income
Holiday Shores, IL
$98,265 median income
Tahoe Vista, CA
$98,264 median income
Fort Dix, NJ
$98,259 median income
Remsen, IA
$98,250 median income

Race & Ethnicity Composition

Race and ethnicity - Indian Rocks Beach, FL Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Indian Rocks Beach, FL - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 88.3% ETHNICITY, Hispanic or Latino (any race) 8.0% White 88.3% Black or African American 0.5% Asian 3.6% American Indian 0.0% Native Hawaiian 0.0% Some other race 2.9% Two or more races 4.8% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Indian Rocks Beach compares to nearby Florida cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Indian Rocks Beach (this city) 3,667 $98,279
Chipley 3,678 $34,311
Montura 3,678 $33,438
North River Shores 3,655 $73,635
Census ACS 5-year FIPS FL Census BPS 2024 OMB Bulletin 23-01

What do people ask about Indian Rocks Beach, FL?

What is the population of Indian Rocks Beach, FL? +

Indian Rocks Beach, FL has a population of 3,667 according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Indian Rocks Beach, FL? +

In Indian Rocks Beach, the typical household earns $98,279 per year, based on Census ACS 2023 data.

What is the cost of living in Indian Rocks Beach? +

BEA does not publish a city-level cost-of-living figure for Indian Rocks Beach; the closest available measure is the Florida state average, a cost of living index of 103.4 (U.S. average = 100), rated "Above Average" based on BEA Regional Price Parities 2024 data. Costs within Florida vary by metro area.

What is the median home value in Indian Rocks Beach, FL? +

Indian Rocks Beach's median home value sits at $707,700, according to Census ACS 2023 estimates.

Source: U.S. Census Bureau ACS 5-Year 2023, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.