The most expensive ZIP code in America is a Miami island you can only reach by yacht or ferry
Tech Insider
Fisher Island, Florida, topped Realtor.com's recent listing of ZIP codes with the highest home prices in the US.
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The priciest ZIP codes in the country are in California and New York.
In the top 10, median listing prices range from just under $6 million to nearly $12 million.
Only one Florida ZIP code made the top 10, but it made its mark on the list.
Happiness isn't for sale. But for the ultrawealthy, a gated community with world-class homes and amenities might be the next best thing.
Realtor.com ranked the 10 most expensive ZIP codes in the US, focusing only on areas with at least 30 active listings. The top 10, concentrated in California, Florida, and New York, carry a median asking price of nearly $6 million — roughly the cost of 209 brand-new 2025 Toyota Camrys.
At the very top is 33109, home to Miami Beach and Fisher Island — a private enclave accessible only by yacht or ferry. The island has its own private school, gourmet market, clinic, golf course, beach club, and numerous tennis courts. Several celebrities, including Mel Brooks, Julia Roberts, and Oprah, have owned homes there. The price of entry is steep: Realtor.com reports the ZIP code's median listing price is $12 million.
Jill Eber, a Coldwell Banker agent representing the sale and a resident of Fisher Island since 2000, told Business Insider the island's lifestyle justifies the price tag.
"I think it's one of the most beautiful places in the world, and its privacy, security, beauty, and amenities are unmatched," Eber said. "You can't get on the island unless you live there, or somebody leaves your name. It really feels like you're on this amazing oasis in the middle of Miami."
Read on to see the other 9 priciest ZIP codes in the US.
10. Malibu, California
Luxurious beach houses crowd the shoreline hiding Carbon Beach, a public beach that was gotten to through a recently opened public accessway next to music producer David Geffen's beach house, on April 18, 2005 in Malibu, California. The gate was found re-locked later that afternoon. By opening the gate, Geffen would be fulfilling a 22-year-old legal promise to open a public pathway across his property in exchange for permits from the Coastal Commission to begin building his Cape Cod-style compound across multiple lots on Carbon Beach. In giving up the gate key, the music mogul also stops daily fines of USD1,000 a day from accumulating.
Photo by David McNew/Getty Images
ZIP code: 90265
Median listing price: $5,971,250
Median square feet: 3,393
Median household income: $191,080
9. Rancho Santa Fe, California
Rancho Santa Fe pushed San Diego County into the ranking's top 10.
Thomas De Wever
ZIP code: 92067
Median listing price: $6,075,000
Median square feet: 6,711
Median household income: $238,397
8. Water Mill, New York
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ZIP code: 11976
Median listing price: $6,845,000
Median square feet: 5,191
Median household income: $158,000
7. Beverly Hills, California
Beverly Hills, California.
Haojun Li/Getty Images
ZIP code: 90210
Median listing price: $6,869,000
Median square feet: 4,923
Median household income: $190,382
6. Hope Ranch — Santa Barbara, California
Santa Barbara, California at sunset.
Max Angell/Shutterstock
ZIP code: 93110
Median listing price: $6,874,000
Median square feet: 4,222
Median household income: $118,819
5. Montecito — Santa Barbara, California
Aerial view of Montecito, where Amanda Chantal Bacon lives
David McNew/AFP via Getty Images
ZIP code: 93108
Median listing price: $6,995,000
Median square feet: 4,024
Median household income: $223,694
4. Bel Air — Los Angeles, California
An aerial view of Bel Air Los Angeles neighborhood with mansions and golf course.
David Sucsy/Getty
ZIP code: 90077
Median listing price: $8,234,750
Median square feet: 5,762
Median household income: $220,464
3. Bridgehampton, New York
Bridgehampton, New York.
Barry Winiker/Getty Images
ZIP code: 11932
Median listing price: $8,495,000
Median square feet: 4,748
Median household income: $200,353
2. Newport Coast — Newport Beach, California
Homes along the water in Newport Beach, California.
