See what your monthly budget could buy in Boca Raton, Florida — mortgage, taxes, insurance and HOA included.
Assuming 20% down, 6.5% over 30 years, property tax 1.2%, insurance $1,700–5,400/yr.
| Property type | Estimated price | Principal + interest | Property tax | Insurance | HOA | Monthly total | vs local median |
|---|---|---|---|---|---|---|---|
| Houses | $440,000 | $2,225 | $440 | $450 | $260 | $3,375 | 60% |
| Townhomes | $455,000 | $2,301 | $455 | $167 | $450 | $3,372 | 62% |
| Condos | Apartments | $420,000 | $2,124 | $420 | $142 | $690 | $3,375 | 57% |
What this buys in Boca Raton: A tight budget for this market — worth comparing nearby cities. (60% of the local median — Local median $735,000)
Illustrative planning tool only. Not a loan offer, appraisal or pre-approval.
What is worth knowing about Boca Raton before you buy: things to do, neighborhoods, schools, getting around and services for residents.
Boca Raton sits on the Atlantic coast at the southern edge of Palm Beach County, across the Hillsboro Canal from Deerfield Beach in Broward County. It is about 45 miles north of Miami, roughly 19 miles from Fort Lauderdale and 27 miles from West Palm Beach, which makes it one of the few places in South Florida where both big airports and both downtowns are within an easy drive.
The town was incorporated in 1925 and celebrated its centennial in 2025. Its look was set in the 1920s by architect Addison Mizner, who planned a Mediterranean Revival resort city. The 1926 hurricane and the end of the Florida land boom stopped most of his plan, but his Cloister Inn (today's The Boca Raton resort), the Old Town Hall and the houses of Old Floresta survived, and the city still asks new buildings to respect that style. A strict sign code is the reason you will not see billboards along the main roads.
The name comes from the Spanish "Boca Ratón". "Boca" was the sailors' word for an inlet; the phrase is usually translated as "mouse's mouth". The city's motto is "A City for All Seasons".
Today Boca Raton is a university and business town as much as a beach town. Florida Atlantic University is the largest employer, followed by Baptist Health's Boca Raton Regional Hospital. ADT and The GEO Group have their headquarters here, and the former IBM campus, where the IBM PC was developed in 1981, is now the Boca Raton Innovation Campus.
One thing every buyer should know: a "Boca Raton" postal address does not mean the home is inside the city. A large area to the west, usually called West Boca, is unincorporated Palm Beach County with about as many residents as the city itself. City and county areas differ in property tax, trash service, policing and beach-permit eligibility.
An open-air district of shops, restaurants, apartments and offices in Mediterranean Revival style, opened in 1991 on the site of the old Boca Mall. It is also home to the city's art museum and amphitheater, so an evening here easily combines dinner and a show.
Founded in 1950 as a local art guild and now accredited by the American Alliance of Museums. The museum is at 501 Plaza Real in Mizner Park; its art school still works from the original site on Palmetto Park Road.
A city-run outdoor venue for up to about 4,200 people at 590 Plaza Real, used for concerts, community events and the Festival of the Arts Boca.
A 20-acre coastal preserve at 1801 N. Ocean Boulevard with a boardwalk through the hammock, a 40-foot observation tower, marine aquariums with sea turtles, a butterfly garden and a Florida Atlantic University marine laboratory.
An oceanfront park at 1400 N. Ocean Boulevard with a boardwalk, playgrounds and grills, known for snorkeling close to shore.
A 94-acre park on A1A that reaches from the ocean to the Intracoastal Waterway: a guarded beach, a lagoon, nature trails, a bird-watching area and fishing on the Intracoastal side.
A large community park at 300 S. Military Trail with a carousel, the Willow Theatre, a field house and a science playground. The Children's Science Explorium inside is free and aimed at children aged 5 to 12.
Housed in the 1926 Old Town Hall at 71 N. Federal Highway, designed by Addison Mizner and listed on the National Register of Historic Places since 1980. Run by the Boca Raton Historical Society.
A 2.3-acre park on the Intracoastal at 551 E. Palmetto Park Road, opened in 2022. A walkway under the bridge connects it with Silver Palm Park.
The resort that began as Mizner's Cloister Inn in 1926 now covers about 200 acres. In 2026 Forbes Travel Guide gave its Beach Club, spa, Yacht Club and Flybridge restaurant five-star ratings.
The enclosed regional mall on Glades Road, opened in 1980, with around 200 stores and several department stores.
A Palm Beach County nature center in South County Regional Park, West Boca, with a boardwalk through a cypress swamp and an exhibit hall with live animals.
Three oceanfront parks on Boca Raton's beach belong to the city — South Beach Park, Red Reef Park and Spanish River Park — and Palm Beach County runs South Inlet Park at the south end, where the jetty is open around the clock for fishing and parking is metered.
Away from the ocean, Sugar Sand Park is a large family park, Wildflower and Silver Palm parks line the Intracoastal near downtown, and Daggerwing Nature Center in the west shows the wetland side of South Florida.
The walkable core of the city, with condos and apartments above shops and restaurants, the Brightline station, the public library and the amphitheater. Royal Palm Place, a 14-acre village of more than 20 restaurants and boutiques, marked its 60th anniversary in 2025.
Addison Mizner began 29 houses here in 1925: stucco walls, wrought iron and barrel-tile roofs. In 1990 it became the city's first historic district.
A guarded community in east Boca Raton founded by Arvida in 1959: 749 homesites on about 450 acres, a Jack Nicklaus Signature golf course and yachting facilities. Club membership is not required to own a home.
A residential neighborhood built on the site of Africa U.S.A., a cageless wildlife park that operated from 1953 to 1961.
Mostly 1950s and 1960s concrete-block ranch houses between Camino Real and Palmetto Park Road, a short drive from downtown and the beach.
A historic African American community platted in 1915, between Dixie and Federal highways south of Glades Road — one of the oldest neighborhoods in the city.
A large country-club community west of the city between Yamato Road, Jog Road, Glades Road and Florida's Turnpike, with 72 holes of golf. It has a Boca Raton address but is outside city limits.
The broad area west of the city is unincorporated Palm Beach County, policed by the Sheriff's Office and full of homeowner associations. It includes Century Village, a large gated 55+ community.
Public schools are run by the School District of Palm Beach County, the tenth-largest school district in the United States. Schools are assigned by address, so use the district's Find My School tool before choosing a home.
Boca Raton is in Palm Beach County. Its southern border is the Hillsboro Canal; Deerfield Beach, on the other side, is in Broward County.
Not always. Much of the area west of the city — West Boca, Boca West, Century Village — uses Boca Raton addresses but is unincorporated Palm Beach County. Check the city limits map or the property appraiser's record for the exact address.
Yes. Brightline trains leave from the downtown station on NW 4th Street for Fort Lauderdale, Aventura and Miami (and north to West Palm Beach and Orlando). Tri-Rail commuter trains stop at the Yamato Road station.
Only at Bark Beach in Spanish River Park, with a dog permit and during the set morning and late-afternoon hours. Pets are not allowed on other city beaches or in city parks.
Schools are assigned by address by the School District of Palm Beach County. Use the district's Find My School tool; magnet and choice programmes are applied for separately.
The estimates on this page use the tax rate shown at the top. The real bill depends on the assessed value, the exemptions you qualify for (such as homestead) and whether the home is inside city limits. The Palm Beach County Property Appraiser's website has an estimator for a specific property.
Like all of coastal South Florida, yes. Homes near the ocean and the Intracoastal are most exposed to storm surge. Check the FEMA flood zone and the county evacuation zone for any address, and budget for windstorm and, where needed, flood insurance.