CALCMONEY // MORTGAGE // FL // MIAMI // 33146
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 33146 in Miami, FL. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,650,000
$1,320,000
$10,591
$453,901/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,650,000 | $1,485,000 | $9,780 | $11,678 | 6.9% |
| 20% Down | $1,650,000 | $1,320,000 | $8,694 | $10,591 | 6.9% |
| 25% Down | $1,650,000 | $1,237,500 | $8,150 | $10,048 | 6.9% |
Total monthly includes principal & interest, property tax (0.98% annual), and estimated homeowners insurance. PMI not included.
Coral Gables (ZIP 33146) sits within Miami, Florida with a median home price of $1,650,000 — significantly above the Miami city-wide median of $600,000. At 80% LTV, the typical loan amount of $1,320,000 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 33146 run 0.98% annually, adding $1,348 per month on the median home. Median household income in this neighborhood is approximately $115,000, placing the price-to-income ratio at 14.3x. Florida has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.