Out of 40,359 ZIP codes with data across all 50 states, these are the areas with the highest estimated additional annual cost of home ownership — the modeled difference vs a median-risk U.S. ZIP, aggregated across 13 environmental and housing hazard verticals. Each ZIP links to a full safety report with the complete cost breakdown.
Every figure is a modeled estimate from public federal data — not a quote, a bill, or financial advice.
| Statistic | Value |
|---|---|
| ZIP codes ranked | 40,359 |
| Highest estimated extra cost | $9,220 per year |
| Median U.S. ZIP estimate | $970 per year |
| 90th-percentile estimate | $3,890 per year |
Top 100 Highest Cost of Ownership ZIP Codes
| Rank | ZIP Code | City | State | Est. Extra Cost / Year |
|---|---|---|---|---|
| 1 | 33165 | Miami | FL | $9,220 |
| 2 | 33030 | Homestead | FL | $8,970 |
| 3 | 33157 | Miami | FL | $8,970 |
| 4 | 33158 | Miami | FL | $8,970 |
| 5 | 33173 | Miami | FL | $8,970 |
| 6 | 33174 | Miami | FL | $8,970 |
| 7 | 33176 | Miami | FL | $8,970 |
| 8 | 33031 | Homestead | FL | $8,700 |
| 9 | 33172 | Miami | FL | $8,700 |
| 10 | 33175 | Miami | FL | $8,700 |
| 11 | 33183 | Miami | FL | $8,700 |
| 12 | 33184 | Miami | FL | $8,700 |
| 13 | 33189 | Miami | FL | $8,700 |
| 14 | 33034 | Homestead | FL | $8,550 |
| 15 | 33170 | Miami | FL | $8,550 |
| 16 | 33177 | Miami | FL | $8,550 |
| 17 | 33182 | Miami | FL | $8,550 |
| 18 | 33186 | Miami | FL | $8,550 |
| 19 | 33187 | Miami | FL | $8,550 |
| 20 | 33193 | Miami | FL | $8,550 |
| 21 | 33196 | Miami | FL | $8,550 |
| 22 | 33032 | Homestead | FL | $8,370 |
| 23 | 33033 | Homestead | FL | $8,370 |
| 24 | 33035 | Homestead | FL | $8,370 |
| 25 | 33185 | Miami | FL | $8,370 |
| 26 | 33190 | Miami | FL | $8,370 |
| 27 | 33009 | Hallandale | FL | $8,020 |
| 28 | 33013 | Hialeah | FL | $8,020 |
| 29 | 33020 | Hollywood | FL | $8,020 |
| 30 | 33125 | Miami | FL | $8,020 |
| 31 | 33126 | Miami | FL | $8,020 |
| 32 | 33134 | Miami | FL | $8,020 |
| 33 | 33139 | Miami Beach | FL | $8,020 |
| 34 | 33140 | Miami Beach | FL | $8,020 |
| 35 | 33141 | Miami Beach | FL | $8,020 |
| 36 | 33144 | Miami | FL | $8,020 |
| 37 | 33147 | Miami | FL | $8,020 |
| 38 | 33150 | Miami | FL | $8,020 |
| 39 | 33155 | Miami | FL | $8,020 |
| 40 | 33161 | Miami | FL | $8,020 |
| 41 | 33162 | Miami | FL | $8,020 |
| 42 | 33168 | Miami | FL | $8,020 |
| 43 | 33309 | Fort Lauderdale | FL | $8,020 |
| 44 | 33311 | Fort Lauderdale | FL | $8,020 |
| 45 | 33313 | Fort Lauderdale | FL | $8,020 |
| 46 | 33319 | Fort Lauderdale | FL | $8,020 |
| 47 | 33334 | Fort Lauderdale | FL | $8,020 |
| 48 | 32102 | Astor | FL | $7,940 |
| 49 | 32809 | Orlando | FL | $7,940 |
| 50 | 33004 | Dania | FL | $7,770 |
| 51 | 33010 | Hialeah | FL | $7,770 |
| 52 | 33012 | Hialeah | FL | $7,770 |
| 53 | 33014 | Hialeah | FL | $7,770 |
| 54 | 33019 | Hollywood | FL | $7,770 |
| 55 | 33021 | Hollywood | FL | $7,770 |
| 56 | 33023 | Hollywood | FL | $7,770 |
| 57 | 33024 | Hollywood | FL | $7,770 |
| 58 | 33054 | Opa Locka | FL | $7,770 |
| 59 | 33055 | Opa Locka | FL | $7,770 |
| 60 | 33056 | Miami Gardens | FL | $7,770 |
| 61 | 33060 | Pompano Beach | FL | $7,770 |
| 62 | 33062 | Pompano Beach | FL | $7,770 |
| 63 | 33063 | Pompano Beach | FL | $7,770 |
| 64 | 33064 | Pompano Beach | FL | $7,770 |
| 65 | 33068 | Pompano Beach | FL | $7,770 |
| 66 | 33133 | Miami | FL | $7,770 |
| 67 | 33138 | Miami | FL | $7,770 |
| 68 | 33142 | Miami | FL | $7,770 |
| 69 | 33143 | Miami | FL | $7,770 |
| 70 | 33149 | Key Biscayne | FL | $7,770 |
| 71 | 33154 | Miami Beach | FL | $7,770 |
| 72 | 33156 | Miami | FL | $7,770 |
| 73 | 33160 | North Miami Beach | FL | $7,770 |
| 74 | 33166 | Miami | FL | $7,770 |
| 75 | 33167 | Miami | FL | $7,770 |
| 76 | 33169 | Miami | FL | $7,770 |
| 77 | 33179 | Miami | FL | $7,770 |
| 78 | 33181 | Miami | FL | $7,770 |
| 79 | 33304 | Fort Lauderdale | FL | $7,770 |
| 80 | 33305 | Fort Lauderdale | FL | $7,770 |
| 81 | 33308 | Fort Lauderdale | FL | $7,770 |
| 82 | 33312 | Fort Lauderdale | FL | $7,770 |
| 83 | 33315 | Fort Lauderdale | FL | $7,770 |
| 84 | 33316 | Fort Lauderdale | FL | $7,770 |
| 85 | 33317 | Fort Lauderdale | FL | $7,770 |
| 86 | 33322 | Fort Lauderdale | FL | $7,770 |
| 87 | 33441 | Deerfield Beach | FL | $7,770 |
| 88 | 33442 | Deerfield Beach | FL | $7,770 |
| 89 | 32114 | Daytona Beach | FL | $7,690 |
| 90 | 32117 | Daytona Beach | FL | $7,690 |
| 91 | 32118 | Daytona Beach | FL | $7,690 |
| 92 | 32132 | Edgewater | FL | $7,690 |
| 93 | 32176 | Ormond Beach | FL | $7,690 |
| 94 | 32720 | Deland | FL | $7,690 |
| 95 | 32789 | Winter Park | FL | $7,690 |
| 96 | 32931 | Cocoa Beach | FL | $7,690 |
| 97 | 32937 | Satellite Beach | FL | $7,690 |
| 98 | 32952 | Merritt Island | FL | $7,690 |
| 99 | 32953 | Merritt Island | FL | $7,690 |
| 100 | 33431 | Boca Raton | FL | $7,690 |
Methodology
The "cost of ownership" figure is a modeled estimated additional annual cost of owning a home in a ZIP code, expressed as the difference vs a median-risk U.S. ZIP. It aggregates hazard-related costs across 13 verticals:
- Drinking water quality, lead, and PFAS
- Radon, flood, wildfire, and earthquake exposure
- Mold, carbon monoxide / gas, and air quality
- Housing age, infrastructure condition, and affordability pressure
Inputs are public datasets from the EPA, FEMA, USGS, and the U.S. Census Bureau. The figure is an area-level estimate — it does not reflect the condition, price, or actual expenses of any individual home, and it is not a quote, a bill, or financial advice. Datasets refresh on a quarterly schedule.
Last updated: 2026-10-15.
Frequently Asked Questions
What does "cost of ownership" mean here?
It is a modeled estimate of the additional annual cost of owning a home in a ZIP code compared with a median-risk U.S. ZIP. The estimate combines 13 environmental and housing hazard verticals — water quality, lead, radon, flood, wildfire, and more. Every figure is an estimate derived from public federal data, not a quote or a bill.
How is the additional annual cost calculated?
For each ZIP, hazard-related costs across 13 verticals are aggregated and compared with those of a median-risk U.S. ZIP. The difference is the modeled additional annual cost. Inputs come from EPA, FEMA, USGS, and U.S. Census data. Figures are area-level estimates and do not reflect the condition of any individual home.
Does a high ranking mean homes there are unsafe or overpriced?
No. The ranking reflects area-level environmental and housing data, not the condition or price of any individual property. It is a planning estimate to help homeowners and buyers budget — not a judgment about a neighborhood or a home.
Are these figures quotes I will be charged?
No. ZipCheckup is an information service. The figures are modeled estimates from public federal data and are not quotes, bills, financial advice, or a guarantee of any future cost.