Best Places33109, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 33109, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
33109 ranks 4,731st of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on high incomes by a wide margin, and summer heat is the weak spot.
The best neighborhoods in 33109
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
33109's strengths and weaknesses
Where 33109 ranks high
- Household income$250,001 median, better than 99% of zip codes
- State infrastructureBetter than 98% of zip codes
- Educational attainmentBetter than 98% of zip codes
- QuietBetter than 97% of zip codes
- BikingBetter than 95% of zip codes
Where 33109 ranks low
- Heat safetyBetter than only 1% of zip codes
- Cheap car insuranceBetter than only 2% of zip codes
- Disaster safetyBetter than only 6% of zip codes
- Voter turnoutBetter than only 7% of zip codes
- Low vacancyBetter than only 8% of zip codes
What it costs to buy a home in 33109
A household needs to earn about $530,000 a year to comfortably buy the median 33109 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $250,001, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 33109's effective rate of 0.91%, and insurance is estimated at 0.4% of home value a year.
Who lives in 33109
33109 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 33109.
Who works in 33109, and how
Work in 33109 centers on health care & social and professional & technical. Unemployment is low, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 12%
- Work from home 74%
- Transit, walk, or bike 14%
Life in 33109
The coast is about 3 minutes away. Distance to the water changes a lot across 33109, which the map shows.
What the weather is like in 33109, month by month
33109 sees roughly 74 pleasant days a year. July highs average about 92 degrees. January highs sit near 79, with lows near 60. The comfortable stretch runs December through March.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 79° | 69° | 60° |
| April | 86° | 78° | 70° |
| July | 92° | 85° | 78° |
| October | 88° | 81° | 75° |
Flying in and out of 33109
Miami International sits about 10 miles away. It is a large hub and boarded 26.2 million passengers in 2025, with 233 nonstop destinations.
The best schools in and around 33109
Schools across 33109 average an A−, better than 82% of zip codes.
Top elementary schools
- Key Biscayne K-8 CenterA+ · 73% proficient
- Miami Beach South Pointe Elementary SchoolB+ · 51% proficient
- Miami Beach Feinberg/fisher K-8C · 32% proficient
Top middle schools
- Miami Beach Nautilus Middle SchoolA− · 55% proficient
- Ponce De Leon Middle SchoolB · 45% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 33109 school and its grade on SchoolGrade.
33109 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 33109 against the other 33,109 zip codes.
Common questions about living in 33109
Is 33109 a good place to live?
Using BestNeighborhood's default rankings, 33109 ranks 4,731st of 33,110 zip codes. It scores highest on high incomes, state infrastructure, and an educated workforce, and lowest on summer heat and car insurance costs. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 33109 expensive to live in?
The median home is worth $2,000,001. The overall cost of living runs about 134% above the national average. Set against a $250,001 median income, cost of living beats 95% of zip codes.
Is 33109 safe?
33109 is safer than 30% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $253 per resident a year.
Compare 33109 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 33109. Scores are absolute rather than ranked, which means a 60 in 33109 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
33109 detail on BestNeighborhood maps:
- Walk Grade for 33109: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 33109: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 33109: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 33109: carrier by carrier coverage behind the cell score.
33109 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.