Boca Raton, Florida
Upscale living, championship golf, and coastal charm in Palm Beach County
Boca Raton, FL: Quick Facts (Updated August 2026)
What is the median home price in Boca Raton?
The median home price in Boca Raton is $675,000 as of August 2026. This makes Boca Raton one of the higher-cost cities on our list, reflecting its upscale amenities, championship golf courses, and large Northeast transplant community.
How far is Boca Raton from the beach?
About 10 minutes from most residential areas. Boca Raton has several beach access points including South Beach Park and Red Reef Park along A1A.
What are property taxes in Boca Raton?
The average property tax rate in Boca Raton is ~1.2%. The Homestead Exemption can reduce the taxable value by up to $50,000, and the Save Our Homes cap limits annual assessment increases to 3%.
Is Boca Raton a good place to live?
Boca Raton is a mid-sized city in Palm Beach County with approximately 97,000 residents, known for its master-planned communities, championship golf courses, and the Mizner Park downtown district. It is one of the most popular Florida destinations for Bergen County relocators due to its well-maintained neighborhoods and large Northeast transplant community.
What is the cost of living in Boca Raton?
The cost of living index in Boca Raton is approximately 118 (US average is 100), significantly higher than the Florida average but reflecting the premium amenities and high quality of life.
Data sources: Local county property appraiser records, Florida Realtors market data, U.S. Census Bureau estimates, and FEMA flood map data. Figures are approximate and subject to change.
Boca Raton is one of the most popular destinations for Bergen County relocators heading to Florida, and for good reason. This Palm Beach County city offers the upscale suburban feel that New Jersey homeowners are accustomed to, with manicured neighborhoods, championship golf courses, beautiful beaches, and a strong sense of community. Boca Raton consistently ranks highly among places to live in Florida, combining the amenities of a larger city with the warmth and pace of South Florida living. For NJ transplants, the transition often feels seamless: the neighborhoods are well-maintained, the infrastructure is solid, and there's a large and growing community of fellow Northeast transplants.
Key Numbers for Boca Raton
Property Taxes
~1.2%
vs. Bergen County ~2.3%
Median Home Price
$675K
$450K to $1.5M+
State Income Tax
0%
vs. NJ up to 10.75%
Best For
Golf enthusiasts and country club lifestyle, Those wanting a well-maintained, upscale suburban environment, Those who want a mix of culture, dining, and relaxation, Northeast transplants looking for a familiar community feel, Those seeking an active, refined coastal lifestyle
Life in Boca Raton
Boca Raton is known for its master-planned communities, pristine golf courses, and beautiful beaches. The city is divided into several distinct areas, from the ultra-luxury estates in Royal Palm Yacht & Country Club to the community-oriented communities in west Boca like Boca Bridges and Lotus at Boca Raton.
The downtown area along Mizner Park offers upscale shopping, dining, and cultural venues including the Boca Raton Museum of Art. Town Center at Boca Raton is one of the premier shopping destinations in South Florida. For outdoor enthusiasts, Boca offers miles of beaches, the Gumbo Limbo Nature Center, and numerous parks and nature preserves.
The social scene is vibrant but refined. From charity galas to country club gatherings to casual beachfront dining, there's a social rhythm that appeals to residents and those seeking a change of scenery alike. The large Northeast transplant community means you'll find familiar faces, bagel shops, and even some NJ-style pizza.
Property Tax Comparison: Bergen County vs. Boca Raton
Bergen County property taxes are among the highest in the nation, averaging 2.05% to 2.73% of assessed value. In Boca Raton, the effective property tax rate is approximately 1.0% to 1.5% for homesteaded properties. Florida's Save Our Homes cap limits annual assessed value increases to 3% for homesteaded properties, providing long-term tax stability that NJ doesn't offer.
Bergen County, NJ
~2.3%
On a $600,000 home: ~$13,800/year
Boca Raton, FL
~1.2%
On a $600,000 home: approximately $7,200/year. Bergen County equivalent: ~$13,800/year.
Florida homeowners enjoy no state income tax and property taxes roughly half of Bergen County's rates.
This is educational information only. Consult a licensed CPA or tax attorney for advice specific to your situation.
Schools & Education
Boca Raton is served by the Palm Beach County School District, which is the 10th largest in the nation. The district provides elementary, middle, and high school education throughout the area, along with private school options including Pine Crest School, Saint Andrew's School, and Boca Raton Academy.
- Boca Raton High School serves the community
- Spanish River Community High School offers IB program
- Elementary and middle schools throughout the area
- Palm Beach State College and Florida Atlantic University nearby
Getting Back to New Jersey
Palm Beach International Airport (PBI) is about 20 minutes from Boca Raton. Fort Lauderdale-Hollywood International Airport (FLL) is about 40 minutes south. Direct flights to Newark (EWR) and other NJ-area airports are available from both. Driving, Boca Raton to Bergen County is approximately 10-11 hours via I-95.
Insurance Considerations
Homeowners insurance in Boca Raton is higher than in New Jersey due to hurricane and flood risk. Expect to pay between $3,000 and $8,000+ per year depending on the home's age, construction, location, and flood zone designation. Wind mitigation features and newer construction can significantly reduce premiums. Flood insurance is separate and often necessary in low-lying areas.
Insurance rates and availability vary by carrier, location, and property type. Consult your carrier or a licensed Florida insurance agent for current rates and coverage options.
Renting in Boca Raton
Resort-style living without the resort price tag.
Rental Market Snapshot
What Renters Are Paying
Average rent across all unit types: approximately $2,900/mo. Rents have remained relatively stable year-over-year.
What You Get for That Rent
Boca Raton's rental market offers everything from luxury high-rises near Mizner Park to garden-style communities west of I-95. Many buildings include resort-style amenities: pools, fitness centers, clubhouses, and covered parking. The city's landscaping standards are strict, which means even mid-range communities are well-maintained. Pet-friendly buildings are common, though some HOA communities restrict breed and size.
Florida Renter Protections: What You Need to Know
Security Deposits
Florida does not cap security deposits. Landlords can charge any amount, though one to two months' rent is standard. Landlords must hold deposits in a separate non-interest-bearing account or post a surety bond. After move-out, they have 15 days to return the deposit with no deductions, or 30 days to send written notice of any claimed damages.
Lease Terms and Notice
Florida is a default-eviction state. Landlords can terminate a month-to-month tenancy with 15 days' written notice. For nonpayment of rent, landlords can issue a 3-day notice to pay or vacate. There is no statewide just-cause eviction requirement, though local ordinances may add protections.
HOA Rental Restrictions
Many Boca Raton communities are governed by HOAs that restrict rentals. Common restrictions include minimum lease terms of 6 to 12 months, caps on the percentage of units that can be rented, and tenant approval requirements. Always verify HOA rules before signing a lease, as these restrictions can limit your options.
Source: Florida Statutes Chapter 83, Landlord and Tenant
Where Every Day Feels Like a Vacation
Boca Raton is one of the most livable cities in South Florida for renters. The city's strict landscaping and building standards mean that even mid-range communities look and feel well-maintained. Mizner Park is the downtown anchor, with upscale shopping, dining, and a cultural arts center. Royal Palm Place and the surrounding areas have become genuine walkable neighborhoods with cafes, restaurants, and local boutiques.
The outdoor lifestyle is the main draw. Boca's beaches are clean and less crowded than Miami or Fort Lauderdale. The city maintains an extensive network of parks, trails, and recreational facilities. Red Reef Park and South Inlet Park offer beachfront access, while the patches and inland waterways provide kayaking, paddleboarding, and fishing. For renters who want an active, outdoor lifestyle, Boca delivers year-round.
The dining scene has matured significantly over the past decade. Beyond the chains along Federal Highway, there is a growing collection of independent restaurants, breweries, and food halls. The Boca Raton Museum of Art, the Mizner Park amphitheater, and regular community events give the city a cultural depth that surprises first-time visitors. For NJ relocators, Boca offers a lifestyle that feels like a permanent vacation without sacrificing the amenities you are used to.
Scott Selleck knows Boca Raton well. If you are considering a move to South Florida, he can walk you through the buildings, the neighborhoods, and what to expect as a renter.
Commute Options for Renters
Brightline
Route: Boca Raton to Miami or West Palm Beach
Time: 30 minutes to Miami, 35 minutes to West Palm Beach
Monthly pass: varies by route
Best for: Regional commuters, Miami access
Tri-Rail
Route: Boca Raton to Miami via coastal corridor
Time: 60-90 minutes to downtown Miami
Monthly pass: approximately $100
Best for: Budget-conscious regional commuters
Driving
Route: I-95 or Florida's Turnpike
Time: 30-45 minutes to Fort Lauderdale, 60-90 minutes to Miami
Tolls: Florida's Turnpike varies by distance
Parking: Most buildings include assigned parking
What It Actually Costs to Rent in Boca Raton
Monthly Rent
Median $2,900/mo for a typical 1-2 bedroom apartment
Security Deposit
No state cap. Standard is 1-2 months' rent
Utilities
Electric $120-$200/mo (FPL), water $30-$60/mo, internet $60-$90/mo
Renters Insurance
Commonly required by landlords. $15-$30/mo
HOA Fees
Some communities charge $50-$200/mo for amenities
Pet Costs
Monthly pet rent $25-$75. Breed restrictions common in HOA communities
All figures are estimates based on current Boca Raton market data as of August 2026. Actual costs vary by community, unit size, and lease terms.
The Selleck Difference
Scott Selleck brings 32+ years of Bergen County real estate experience and dual licensure in both New Jersey (9236275) and Florida (SL3588731). He and The Selleck Group at Keller Williams City Views Realty specialize in guiding long-term NJ homeowners through the full transition: pricing and preparing your NJ home, connecting you with vetted agents in your Florida destination market, and keeping the entire process organized from the first conversation to closing day.
Scott's focus is education-first. Every resource on this site is designed to make a complex, emotional move feel clear and manageable. When you work with him, you are not just getting a transaction - you are getting a partner who has guided hundreds of families through this exact journey.
Is Boca Raton Right for You?
This town is an excellent match if you're looking for:
Questions About Boca Raton?
Boca Raton is one of the most popular choices for Bergen County relocators. I know this market inside and out and can help you find the right neighborhood for your needs and budget.
Frequently Asked Questions About Boca Raton
Is Boca Raton expensive?
The median home price is around $675K, making it one of the pricier options in our guide. However, the upscale amenities and large NJ transplant community make it the most popular choice for Bergen County relocators.
How much is home insurance in Boca Raton?
Expect $4,500 to $7,500+ per year. Boca Raton’s coastal location in Palm Beach County means higher hurricane risk. Newer homes with impact windows and wind mitigation can reduce premiums.
What are the best neighborhoods in Boca Raton?
West Boca (Boca Bridges, Lotus, Loggers Run) for larger homes, Royal Palm Yacht & Country Club for luxury, and the downtown Mizner Park area for walkable urban living.
Is Boca Raton good for those seeking an active lifestyle?
Yes, it appeals particularly to those who want culture, dining, and country club living. The large Northeast transplant community makes for an easy social transition.
How far is Boca Raton from the airport?
Palm Beach International Airport (PBI) is about 20 minutes north with direct flights to Newark. Fort Lauderdale-Hollywood International (FLL) is about 40 minutes south.
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