Highest-Income ZIP Codes in Florida (2026 ACS5 Data)

Florida is not, in aggregate, one of the higher-income U.S. states. Its statewide median household income (~$67,000) sits below the national median. But Florida hosts an extraordinary concentration of very-high-income ZIPs — and a few of them post some of the highest household incomes anywhere in the United States.

These rankings use ACS5 vintage 2023 median household income (B19013_001E) for ZIP Code Tabulation Areas. We exclude ZIPs with fewer than 1,000 households to avoid statistical noise.

1. 33109 — Fisher Island, Miami Beach

Fisher Island is a 216-acre private island accessible only by ferry. ACS5 puts median household income above $250,000 — among the highest figures the Census reports for any ZIP in the country. Median home value clears $3 million. The island's residents are a roughly even mix of retirees and active-income wealth (finance, real estate, sports).

2. 33480 — Palm Beach

The Town of Palm Beach (the barrier island, distinct from West Palm Beach on the mainland). Median household income above $200,000, median home value above $2 million. One of the country's most concentrated old-money geographies. Heavy 65+ share.

3. 33156 — Pinecrest / Coral Gables fringe

An inland Miami-Dade ZIP rather than a coastal one. Pinecrest and the southern fringe of Coral Gables. Strong family-income mix (active-earner households with children) more than retiree wealth. Median household income above $180,000, median home value above $1.5 million.

4. 34102 — Old Naples

The historic core of Naples, FL on the Gulf Coast. Heavy retiree concentration. Median household income above $170,000, median home value above $2 million. Combined with 34108 (Pelican Bay) immediately north, this ZIP cluster represents the densest concentration of high-net-worth retirees in the United States.

5. 33149 — Key Biscayne

An island east of downtown Miami connected by the Rickenbacker Causeway. Median household income above $165,000, median home value above $1.5 million. Latin American international demand is a major driver of housing prices.

6–10: The next wave

**33134 — Coral Gables proper.** Family-wealth Mediterranean-revival neighborhood, headquarters to several Latin American multinationals.

**33446 — West of Boca Raton.** Affluent suburban-master-planned ZIPs west of I-95.

**32082 — Ponte Vedra Beach (Northeast Florida).** TPC Sawgrass and PGA Tour headquarters anchor an exclusive Atlantic-coast ZIP.

**34108 — Pelican Bay, Naples.** Sister ZIP to 34102; similar demographics, slightly newer housing stock.

**33176 — Pinecrest west.** Family-wealth, top-rated public schools, anchor of the inland Miami-Dade affluence corridor.

Median income vs. per-capita income in retiree ZIPs

In retiree-heavy ZIPs (Palm Beach, Naples, Pelican Bay), median household income can mislead. A retired couple with $5 million in invested assets but only $100,000 of taxable distributions appears as a moderately-affluent household in ACS5 data, even though their actual wealth is enormous. Per-capita income (B19301) and asset-based metrics from the Federal Reserve's Survey of Consumer Finances paint a fuller picture.

By contrast, ZIPs with more active-earner family households (Pinecrest, Coral Gables, Ponte Vedra Beach) show wage income that more accurately reflects household economic position.

Why these ZIPs cluster geographically

Coastal Florida wealth concentrates on geographic features that are physically scarce and regulatorily protected: barrier islands, gulf-front strips and inland enclaves with mature canopies and zoning that prevents densification. New supply at this price tier essentially cannot be created. That structural scarcity is what makes Palm Beach and Naples behave economically more like Manhattan than like the rest of Florida.