Florida · Eastern Time
786 Area Code
Area code 786 is in Florida, serving Miami-Dade County and the Florida Keys. It is in the Eastern Time zone. It shares its territory with overlay codes 305 and 645, so 10-digit dialing is required.
Last updated October 1, 2026 · Source: NANPA
Where is the 786 area code?
786 is a Florida area code covering Miami-Dade County and the Florida Keys. In the wider directory it sits in the South region.
Cities in the 786 area code
- Miami
- Hialeah
- Miami Gardens
- Miami Beach
- Homestead
- Kendall
- Doral
- Coral Gables
- North Miami
- Cutler Bay
- Aventura
- Key West
- Key Largo
- Marathon
Counties served by 786
Miami-Dade County and Monroe County.
Time zone note: Most of Florida is Eastern; the western Panhandle (around Pensacola) is Central.
786 overlay codes and dialing
The 786 territory is covered by an overlay of 3 area codes: 305, 645, 786. All of them serve the same geographic area, and the original code is 305. Because more than one code covers the same ground, 10-digit dialing is mandatory — you must dial the area code for every local call. New phone lines may be assigned any of these codes.
History of the 786 area code
786 went into service on March 1, 1998 as an overlay of 305, relieving number exhaustion in the Miami area. Rather than splitting the region, the overlay lets existing customers keep their numbers while new lines draw from the added code. Learn more in our overlay guide.
Is 786 a scam or spam risk?
786 is a legitimate geographic area code, not a premium or toll line, so a call from it costs you nothing extra. That said, scammers frequently spoof real local area codes to look familiar on caller ID. A genuine 786 number on your screen is no guarantee the caller is in Miami, FL or trustworthy. See spam & scam-risk area codes for how spoofing works and how to respond.
Other Florida area codes
Explore more
See every code in Florida, compare codes across the South region, or view all Eastern Time codes. You can also browse the 7XX block or the complete numeric list of US area codes.
New to how this all works? Start with how area codes work, then read up on overlays, 10-digit dialing, and spam & scam-risk codes. To check another number, use the area code lookup tool.
Quick answers
786 area code FAQ
Where is the 786 area code?
The 786 area code is in Florida, covering Miami-Dade County and the Florida Keys, in the South region.
What cities are in the 786 area code?
Cities in the 786 area code include Miami, Hialeah, Miami Gardens, Miami Beach, Homestead, Kendall, Doral, Coral Gables, North Miami and Cutler Bay.
What time zone is 786 in?
786 is in the Eastern Time zone. Most of Florida is Eastern; the western Panhandle (around Pensacola) is Central.
What is the overlay for the 786 area code?
786 shares its territory with 305 and 645. All 3 codes (305, 645, 786) serve the same area, so 10-digit dialing is required for every call.
When did the 786 area code start?
786 went into service on March 1, 1998 as an overlay of 305.
Do I have to dial 10 digits for 786?
Yes. Because 786 is an overlay area, you must dial the full 10-digit number (area code + 7 digits) for every call.
Is 786 a toll-free or premium code?
No. 786 is a standard geographic area code, so calling it costs the same as any local or long-distance call on your plan. Toll-free calls use 800, 888, 877, 866, 855, 844 or 833.