CALCMONEY // MORTGAGE // FL // KEY BISCAYNE // 33149
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 33149 in Key Biscayne, FL. This is a high-net-worth enclave — most purchases require jumbo financing.
$2,800,000
$2,240,000
$17,851
$765,049/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $2,800,000 | $2,520,000 | $16,513 | $19,686 | 6.85% |
| 20% Down | $2,800,000 | $2,240,000 | $14,678 | $17,851 | 6.85% |
| 25% Down | $2,800,000 | $2,100,000 | $13,760 | $16,934 | 6.85% |
Total monthly includes principal & interest, property tax (0.96% annual), and estimated homeowners insurance. PMI not included.
Key Biscayne (ZIP 33149) sits within Key Biscayne, Florida with a median home price of $2,800,000 — significantly above the Key Biscayne city-wide median of $2,800,000. At 80% LTV, the typical loan amount of $2,240,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 33149 run 0.96% annually, adding $2,240 per month on the median home. Median household income in this neighborhood is approximately $165,000, placing the price-to-income ratio at 17.0x. Florida has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.