The most expensive ZIP code in America is a Miami island you can only reach by yacht or ferry

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

ZIP code: 90265

Median listing price: $5,971,250

Median square feet: 3,393

Median household income: $191,080

9. Rancho Santa Fe, California

ZIP code: 92067

Median listing price: $6,075,000

Median square feet: 6,711

Median household income: $238,397

8. Water Mill, New York

ZIP code: 11976

Median listing price: $6,845,000

Median square feet: 5,191

Median household income: $158,000

7. Beverly Hills, California

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

ZIP code: 93110

Median listing price: $6,874,000

Median square feet: 4,222

Median household income: $118,819

5. Montecito — Santa Barbara, California

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

ZIP code: 90077

Median listing price: $8,234,750

Median square feet: 5,762

Median household income: $220,464

3. Bridgehampton, New York

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

ZIP code: 92657

Median listing price: $9,099,000

Median square feet: 4,058

Median household income: $202,813

1. Fisher Island — Miami Beach, Florida

ZIP code: 33109

Median listing price: $11,925,000

Median square feet: 3,835

Median household income: $250,000+