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Garden Isles Demographics
Demographics
Age
51.8 ±1.8Median age
Housing
Units & Occupancy
31,400 ±650Number of housing units
Geographical mobility
11.5% ±2.9% (6,964 ±1,733)
Moved since previous year
Families
60,241 ±145
Persons per household
Fertility
5.5% ±2.1% (609 ±233)
Women 15-50 who gave birth during past year
Economics
Poverty
7.2%
Persons below poverty line
Transportation to work
N/AMean travel time to work
Social
Disclaimer: The demographic information presented on this site has been provided by the Census Reporter Team. We extend our gratitude for their exceptional contributions and efforts.
Mortgage rates
30-year fixed · Oct 22, 2026
7.32%
-0.08
vs last weekA year ago
6.19%
Oct 22, 2025
All-time peak
16.64%
in 1981
Long-run average
7.7%
1971–2025
When would rates drop?
Mortgage rates track the 10-year Treasury yield. Big drops historically needed one of these catalysts
A recession
Credit demand falls and investors move into Treasuries, pushing yields down
Aggressive Fed intervention
Rate cuts plus buying bonds and mortgage-backed securities force borrowing costs down
Inflation cooling fast
Lenders need less premium over inflation, so yields and mortgage rates ease
A global flight to safety
Shocks send capital into U.S. debt markets, pulling yields down quickly
It has happened before
30-year fixed rate, Freddie Mac weekly averages.
2008 financial crisis
Housing collapse, recession, then Fed bond buying from late 2008
6.5%
Mid 2007
<5%
Early 2009
2020 pandemic
Emergency cuts to zero and large purchases of Treasuries and mortgage bonds
3.7%
Jan 2020
2.65%
Jan 2021
Source: Freddie Mac PMMS via FRED. Past moves are context, not a forecast. Market information, not lending advice.
Local Realty Service Provided By: Hyperlocal Advisor. Information deemed reliable but not guaranteed. Information is provided, in part, by Greater Miami MLS & Beaches MLS. This information being provided is for consumer's personal, non-commercial use and may not be used for any other purpose other than to identify prospective properties consumers may be interested in purchasing.
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87% ±21.8% (4,505 ±1,129)
87% ±21.8% (4,505 ±1,129)
14.2%
6.3%