CALCMONEY // MORTGAGE // FL // MIAMI // 33133
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 33133 in Miami, FL. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,950,000
$1,560,000
$12,549
$537,821/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,950,000 | $1,755,000 | $11,558 | $13,833 | 6.9% |
| 20% Down | $1,950,000 | $1,560,000 | $10,274 | $12,549 | 6.9% |
| 25% Down | $1,950,000 | $1,462,500 | $9,632 | $11,907 | 6.9% |
Total monthly includes principal & interest, property tax (1% annual), and estimated homeowners insurance. PMI not included.
Bohemian Bay Enclave (ZIP 33133) sits within Miami, Florida with a median home price of $1,950,000 — significantly above the Miami city-wide median of $600,000. At 80% LTV, the typical loan amount of $1,560,000 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 33133 run 1% annually, adding $1,625 per month on the median home. Median household income in this neighborhood is approximately $340,000, placing the price-to-income ratio at 5.7x. Florida has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.