Key Largo, Florida

Area Profile

13,026 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Key Largo, in Monroe County.

49out of 100
Area Score
Bottom 19% of 4,196 profiles measured

How we calculate this

How this area ranks

Data updated · 11 sources
OpportunityTop 34% of 4,199 cities measured64
SchoolsTop 24% of 4,162 cities measured71
Growth3,160th of 4,224 cities measured37
Housing affordability4,073rd of 4,218 cities measured30
ClimateTop 19% of 4,225 cities measured79
Physical resilience4,114th of 4,226 cities measured7
Access3,580th of 4,226 cities measured75
Economic stability2,494th of 4,226 cities measured53
The quick read

Unemployment is 3.3% and median household income $85,778, putting employment conditions in the middle range of cities measured. The unemployment rate is published for Monroe County, FL, which contains Key Largo, rather than for Key Largo alone.

In the public schools here, 64% of students met the state standard in mathematics, with 15.1 students for every teacher. Math proficiency and 1 other measure here are published for Monroe County, FL, which contains Key Largo, rather than for Key Largo alone.

Residential permitting has slowed: 247 units authorized over the past twelve months, 26% below the prior year. The permit count and 1 other measure here are published for Monroe County, FL, which contains Key Largo, rather than for Key Largo alone.

These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.

At a glance

Population
13,026
2024 ACS 5-Year
Median household income
$85,778
Top 28% nationally
Density
1,081/sq mi
12 sq mi of land
Median age
49.6
2024 ACS 5-Year
County
Florida
Nearest major airport
MIA
47 mi · Miami Intl
Median home value
$643,900
2024 ACS 5-Year

Jobs & opportunity

Unemployment across Monroe County, FL, which contains Key Largo, is 3.3%, lower than in 87% of the 4,226 measured US cities.

Employment across Monroe County, FL, which contains Key Largo, fell 1.8% over the past year, to 47,146 employed residents.

39% of adults hold a four-year degree, higher than 80% of measured US cities.

MetricValueCompared nationallySource period
Income of new arrivalsMonroe County, FL’s figurefiling years 2022–2023$171,96099th percentileof 4,101filing years 2022–2023
Income of those who leftMonroe County, FL’s figurefiling years 2022–2023$104,57586th percentileof 4,101filing years 2022–2023
Median household income ±$5,0752024 ACS 5-Year$85,778Top 28%of 29,2232024 ACS 5-Year
Per capita income ±$6,0722024 ACS 5-Year$52,959Top 15%of 31,4202024 ACS 5-Year
Poverty rate ±4%2024 ACS 5-Year8.5%Top 41%of 31,7732024 ACS 5-Year
Average commute ±3.1 min2024 ACS 5-Year28.1 minBottom 43%of 31,5432024 ACS 5-Year
Bachelor's degree or higher ±3%2024 ACS 5-Year39.0%Top 20%of 31,9192024 ACS 5-Year
Drove alone to work ±3%2024 ACS 5-Year68.9%26th percentileof 31,4332024 ACS 5-Year
EmploymentMonroe County, FL’s figureJuly 202647,146Bottom 45%of 4,226July 2026
Employment change (3 years)Monroe County, FL’s figureJuly 2026−1.0%Bottom 39%of 4,226July 2026
Employment change (year over year)Monroe County, FL’s figureJuly 2026−1.8%Bottom 29%of 4,226July 2026
Labor forceMonroe County, FL’s figureJuly 202648,73145th percentileof 4,226July 2026
Labor force participation ±5%2024 ACS 5-Year78.8%Top 48%of 31,5132024 ACS 5-Year
Public transit to work ±1%2024 ACS 5-Year1.4%87th percentileof 31,4332024 ACS 5-Year
Unemployment change (year over year)Monroe County, FL’s figureJuly 2026+0.5%Bottom 19%of 4,226July 2026
Unemployment rateMonroe County, FL’s figureJuly 20263.3%Top 13%of 4,226July 2026
Worked from home ±3%2024 ACS 5-Year11.6%66th percentileof 31,4332024 ACS 5-Year

Median household income, successive ACS releases

202120222023202486k66k
Each point is a separate five-year estimate, most recently $85,778 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Monroe County, FL, which contains this city.

64% of students met the state standard in mathematics and 62% in reading, across the schools here that reported results. Math proficiency and 1 other measure here are published for Monroe County, FL, which contains Key Largo, rather than for Key Largo alone.

There are 15.1 students for every full-time teacher, fewer than in most measured places. The student-teacher ratio is published for Monroe County, FL, which contains Key Largo, rather than for Key Largo alone.

Public schools
—
Students per teacher
15.1
Math proficiency
64.5%
Top 26% in Florida
Reading proficiency
61.6%
Top 27% in Florida

The proficiency and staffing figures above are for Monroe County, FL: too few schools in Key Largo reported a usable figure on their own to weight one honestly.

Public schools only, from the NCES Common Core of Data, placed by ZIP code — which schools are in this place, not which one a particular address is zoned for. A dash in a proficiency column is a gap in the federal file, not a bad result. Proficiency is measured against Florida’s own standard, so it is ranked within state. How to read school figures.

The Federal Housing Finance Agency’s house price index for the non-metropolitan parts of Florida is up 54% over five years, and up 4.6% over the last year. It follows repeat sales of the same homes, so it measures price change rather than which homes happened to sell.

Homeowners here who pay a tax bill pay a median of $3,150 a year in real estate taxes, about 0.49% of the median home value.

HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $2,504, some 33% above the $1,887 tenants already here pay.

At HUD’s Fair Market Rent of $2,504 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $100,200 a year, about 117% of the median household income here of $85,778.

The typical renter household here spends 34% of its income on rent, above the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $1,887 a month.

A median home at $643,900 costs 7.3 times the median income of its owner-occupied households, $88,304, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Rent as a share of income
33.8%
Above the 30% cost-burdened threshold
Home price to income
7.3×
median home value ÷ owner household income
Market rent, two bedroom
$2,504
what a new lease costs · FY2026
Median gross rent
$1,887
what tenants now pay · 2024 ACS 5-Year
Median home value
$643,900
2024 ACS 5-Year

The figures above are measured against Key Largo’s median household income of $85,778, which describes the place rather than you. Enter your own and the ratio is recomputed against it. It stays in this browser.

MetricValueCompared nationallySource period
Home price change (1 year)the non-metropolitan parts of Florida’s figure2026 Q2+4.6%74th percentileof 4,1542026 Q2
Home price change (5 years)the non-metropolitan parts of Florida’s figure2026 Q2+53.8%88th percentileof 4,1542026 Q2
Home price change (10 years)the non-metropolitan parts of Florida’s figure2026 Q2+121.9%90th percentileof 4,1542026 Q2
Home price to income ±12024 ACS 5-Year7.3Bottom 2%of 26,8152024 ACS 5-Year
Homeownership rate ±4%2024 ACS 5-Year76.2%51st percentileof 31,7172024 ACS 5-Year
Housing units ±4232024 ACS 5-Year8,74093rd percentileof 32,1772024 ACS 5-Year
Market rent, one bedroomFY2026$2,211Bottom 13%of 4,072FY2026
Market rent, three bedroomFY2026$3,303Bottom 15%of 4,072FY2026
Market rent, two bedroomFY2026$2,504Bottom 15%of 4,072FY2026
Median gross rent ±$1472024 ACS 5-Year$1,887Bottom 10%of 23,1202024 ACS 5-Year
Median home value ±$52,8642024 ACS 5-Year$643,90093rd percentileof 29,1112024 ACS 5-Year
Median property taxes ±$3202024 ACS 5-Year$3,15074th percentileof 26,4402024 ACS 5-Year
Owner household income ±$9,8292024 ACS 5-Year$88,304Top 38%of 27,5482024 ACS 5-Year
Property tax rate ±0.06%2024 ACS 5-Year0.49%10th percentileof 20,5432024 ACS 5-Year
Rent as a share of income ±9%2024 ACS 5-Year33.8%Bottom 24%of 22,9502024 ACS 5-Year
Seasonal and second homes ±3732024 ACS 5-Year2,76399th percentileof 32,3302024 ACS 5-Year
Second homes2024 ACS 5-Year31.6%95th percentileof 31,8952024 ACS 5-Year
Vacancy rate2024 ACS 5-Year8.2%56th percentileof 31,7692024 ACS 5-Year
Vacant housing units ±4182024 ACS 5-Year3,47799th percentileof 32,3302024 ACS 5-Year

These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures.

Development Momentum

37/ 100
Ranks 3,160 of 4,224 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: of 247 units permitted over the past twelve months, only 11% are in buildings of five or more homes. The multifamily share is published for Monroe County, FL, which contains Key Largo, rather than for Key Largo alone.

Federal tax returns show Monroe County, which contains Key Largo, lost about 1.1% of its residents through moves within the US in the most recent year, counting those who arrived against those who left. Households that moved in reported an average income of $171,960, above the $104,575 of households that moved out.

At 3.0 permitted units per 1,000 residents, building activity is above the median for measured US cities. The permit rate is published for Monroe County, FL, which contains Key Largo, rather than for Key Largo alone.

Units permitted
247
12 months ending July 2026
Per 1,000 residents
3.0
Top 44% nationally
Year over year
−26%
vs the prior twelve months
Multifamily share
11.3%
units in 5+ unit buildings

People moving in and out

Net migration
−1.1%
of residents, in a year
Arrivals from another state
60%
of people moving in
Income of arrivals
$171,960
average per tax return
Income of those who left
$104,575
average per tax return

Where newcomers came from

  1. Miami-Dade County, FL 699 people · 13% of arrivals
  2. Broward County, FL 267 people · 5.0% of arrivals
  3. Palm Beach County, FL 152 people · 2.9% of arrivals
  4. Lee County, FL 100 people · 1.9% of arrivals
  5. Orange County, FL 76 people · 1.4% of arrivals

Where people who left went

  1. Miami-Dade County, FL 537 people · 9.0% of departures
  2. Broward County, FL 217 people · 3.6% of departures
  3. Palm Beach County, FL 200 people · 3.3% of departures
  4. Lee County, FL 168 people · 2.8% of departures
  5. Orange County, FL 129 people · 2.2% of departures

Based on the address on federal tax returns, compared with the same filers a year earlier. It counts people who file, and sees a move only when the address on a return changes. Domestic moves only: people arriving from abroad are left out. This is the figure for Monroe County, FL. IRS Statistics of Income, filing years 2022–2023.

The Census Bureau's Building Permits Survey lists only jurisdictions that issue their own permits, and Key Largo, FL is not one. This is the figure for Monroe County, FL, which contains this city.

Weather & climate

7 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 90°F and January a low of 63°F.

Normal annual precipitation is 56.9 inches.

50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station JOHN PENNEKAMP SP, 6.3 miles from this location.

Precipitation

JFMAMJJASOND8.2"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation1991-2020 Normals56.9"1991-2020 Normals
Average January low1991-2020 Normals63°F1991-2020 Normals
Average July high1991-2020 Normals90°F1991-2020 Normals
Comfortable months1991-2020 Normals71991-2020 Normals
Seasonal temperature swing1991-2020 Normals15°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. How to read climate and air quality.

Physical risk

7 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, coastal flooding and inland flooding, with hurricane alone responsible for 70% of it. Inland flooding is independently rated low or minimal nationally, so this describes how the loss is composed, not how large that hazard is.

Coastal floodingHigh
HurricaneHigh
Cold waveModerate

Low or minimal exposure: lightning, heat wave, wildfire, inland flooding, strong wind, tornado, landslide, hail, earthquake, winter weather, drought, tsunami, volcanic activity, ice storm, avalanche.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offenses — they say nothing about burglary, theft or assault.

Monroe County has a modeled homicide rate of about 3.3 per 100,000 residents a year, because the CDC suppresses counts this small, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 14.9 per 100,000 — more than the homicide rate, since the figure counts suicides and accidents as well as homicides.

Drug overdose deaths run at about 10.0 per 100,000 residents in Monroe County.

Homicide
3.3
per 100,000 residents · modeled, not measured
Firearm deaths, all intents
14.9
per 100,000 residents
Drug overdose
10.0
per 100,000 residents · modeled, not measured
Suicide
16.1
per 100,000 residents

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides, so the firearm figure and the homicide figure above it count some of the same deaths twice over. They overlap and should not be added together.

Death rates are crude rates — deaths divided by population, not adjusted for age — except where a count was too small for the CDC to publish and it modeled the rate, which the card marks. They come from provisional death certificate records, published by the CDC by county and not below it. So they describe the county around Key Largo (Monroe County) rather than Key Largo itself. They are shown and not scored. How to read death rates.

What this profile does not cover

Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.

Reported crime
Offenses reported to police are published by department rather than by town, so AreaProfile shows a rate only on city profiles, and only where that city’s department submitted every month of a year. Either no municipal department reports for this place — many smaller communities are policed by the county — or its department did not report every month of the year. Either way there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Cost of living
Price parities are published for metropolitan areas, and this place lies outside one.
Air quality
The EPA publishes an air-quality index only where a monitor sits. There is none in this county, and a modeled value would be a different kind of number from the measured ones everywhere else on this page.
Taxes
Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. Cost of living is published where the Bureau of Economic Analysis measures it, though not for this place. Nothing here is individualized tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house.

Access

4 major airports lie within 100 miles, the nearest Miami Intl at 47 miles.

MetricValueCompared nationallySource period
Broadband access ±3%2024 ACS 5-Year91.2%Top 43%of 31,5882024 ACS 5-Year
Distance to major airportNASR current cycle47 miBottom 14%of 4,226NASR current cycle
Major airports within 100 milesNASR current cycle4Bottom 38%of 4,226NASR current cycle
No internet access ±1%2024 ACS 5-Year2.4%Top 21%of 31,5882024 ACS 5-Year
AirportCodeDistanceLongest runway
Miami IntlMIA47 mi13,016 ft
Miami-Opa Locka ExecOPF55 mi8,002 ft
Dade-Collier Training and TransitionTNT59 mi10,499 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
49
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Other cities in Key West-Key Largo, FL

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
Key WestMonroe County25,72044Key West vs Key Largo

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Compare

Put Key Largo side by side with a similar place.

Key Largo vs Punta GordaKey Largo vs Poway

Moving to Key Largo from somewhere else?

You get the difference in prices, rent and weather, and the income that would keep pace.

Data & methodology

Used forSourceSource period
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)
Demographics, IncomeInternal Revenue Service, Statistics of Income Division
U.S. Population Migration Data (county to county)
filing years 2022–2023
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 Normals
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
July 2026
Access, Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-Year
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026
SafetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
March 2025 to February 2026; May 2025 to April 2026
SchoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2018-19 school year; 2024-25 school year
HousingU.S. Department of Housing and Urban Development, Office of Policy Development and Research
Fair Market Rents
FY2026
HousingU.S. Federal Housing Finance Agency
House Price Index (traditional, all-transactions)
2026 Q2
Current conditionsNOAA National Weather Service
National Weather Service current conditions
Live observation, read when the page opens

Profile recalculated October 8, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology, or every source with how often each updates.