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.
How this area ranks
Data updated · 11 sourcesUnemployment 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
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.
| Metric | Value | Compared nationally | Source period |
|---|---|---|---|
| Income of new arrivalsMonroe County, FL’s figurefiling years 2022–2023 | $171,960 | 99th percentileof 4,101 | filing years 2022–2023 |
| Income of those who leftMonroe County, FL’s figurefiling years 2022–2023 | $104,575 | 86th percentileof 4,101 | filing years 2022–2023 |
| Median household income ±$5,0752024 ACS 5-Year | $85,778 | Top 28%of 29,223 | 2024 ACS 5-Year |
| Per capita income ±$6,0722024 ACS 5-Year | $52,959 | Top 15%of 31,420 | 2024 ACS 5-Year |
| Poverty rate ±4%2024 ACS 5-Year | 8.5% | Top 41%of 31,773 | 2024 ACS 5-Year |
| Average commute ±3.1 min2024 ACS 5-Year | 28.1 min | Bottom 43%of 31,543 | 2024 ACS 5-Year |
| Bachelor's degree or higher ±3%2024 ACS 5-Year | 39.0% | Top 20%of 31,919 | 2024 ACS 5-Year |
| Drove alone to work ±3%2024 ACS 5-Year | 68.9% | 26th percentileof 31,433 | 2024 ACS 5-Year |
| EmploymentMonroe County, FL’s figureJuly 2026 | 47,146 | Bottom 45%of 4,226 | July 2026 |
| Employment change (3 years)Monroe County, FL’s figureJuly 2026 | −1.0% | Bottom 39%of 4,226 | July 2026 |
| Employment change (year over year)Monroe County, FL’s figureJuly 2026 | −1.8% | Bottom 29%of 4,226 | July 2026 |
| Labor forceMonroe County, FL’s figureJuly 2026 | 48,731 | 45th percentileof 4,226 | July 2026 |
| Labor force participation ±5%2024 ACS 5-Year | 78.8% | Top 48%of 31,513 | 2024 ACS 5-Year |
| Public transit to work ±1%2024 ACS 5-Year | 1.4% | 87th percentileof 31,433 | 2024 ACS 5-Year |
| Unemployment change (year over year)Monroe County, FL’s figureJuly 2026 | +0.5% | Bottom 19%of 4,226 | July 2026 |
| Unemployment rateMonroe County, FL’s figureJuly 2026 | 3.3% | Top 13%of 4,226 | July 2026 |
| Worked from home ±3%2024 ACS 5-Year | 11.6% | 66th percentileof 31,433 | 2024 ACS 5-Year |
Median household income, successive ACS releases
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.
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.
Housing & affordability
How it’s calculated — housing affordability →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.
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.
| Metric | Value | Compared nationally | Source period |
|---|---|---|---|
| Home price change (1 year)the non-metropolitan parts of Florida’s figure2026 Q2 | +4.6% | 74th percentileof 4,154 | 2026 Q2 |
| Home price change (5 years)the non-metropolitan parts of Florida’s figure2026 Q2 | +53.8% | 88th percentileof 4,154 | 2026 Q2 |
| Home price change (10 years)the non-metropolitan parts of Florida’s figure2026 Q2 | +121.9% | 90th percentileof 4,154 | 2026 Q2 |
| Home price to income ±12024 ACS 5-Year | 7.3 | Bottom 2%of 26,815 | 2024 ACS 5-Year |
| Homeownership rate ±4%2024 ACS 5-Year | 76.2% | 51st percentileof 31,717 | 2024 ACS 5-Year |
| Housing units ±4232024 ACS 5-Year | 8,740 | 93rd percentileof 32,177 | 2024 ACS 5-Year |
| Market rent, one bedroomFY2026 | $2,211 | Bottom 13%of 4,072 | FY2026 |
| Market rent, three bedroomFY2026 | $3,303 | Bottom 15%of 4,072 | FY2026 |
| Market rent, two bedroomFY2026 | $2,504 | Bottom 15%of 4,072 | FY2026 |
| Median gross rent ±$1472024 ACS 5-Year | $1,887 | Bottom 10%of 23,120 | 2024 ACS 5-Year |
| Median home value ±$52,8642024 ACS 5-Year | $643,900 | 93rd percentileof 29,111 | 2024 ACS 5-Year |
| Median property taxes ±$3202024 ACS 5-Year | $3,150 | 74th percentileof 26,440 | 2024 ACS 5-Year |
| Owner household income ±$9,8292024 ACS 5-Year | $88,304 | Top 38%of 27,548 | 2024 ACS 5-Year |
| Property tax rate ±0.06%2024 ACS 5-Year | 0.49% | 10th percentileof 20,543 | 2024 ACS 5-Year |
| Rent as a share of income ±9%2024 ACS 5-Year | 33.8% | Bottom 24%of 22,950 | 2024 ACS 5-Year |
| Seasonal and second homes ±3732024 ACS 5-Year | 2,763 | 99th percentileof 32,330 | 2024 ACS 5-Year |
| Second homes2024 ACS 5-Year | 31.6% | 95th percentileof 31,895 | 2024 ACS 5-Year |
| Vacancy rate2024 ACS 5-Year | 8.2% | 56th percentileof 31,769 | 2024 ACS 5-Year |
| Vacant housing units ±4182024 ACS 5-Year | 3,477 | 99th percentileof 32,330 | 2024 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.
Growth & development
How it’s calculated — growth →Development Momentum
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.
People moving in and out
Where newcomers came from
- Miami-Dade County, FL 699 people · 13% of arrivals
- Broward County, FL 267 people · 5.0% of arrivals
- Palm Beach County, FL 152 people · 2.9% of arrivals
- Lee County, FL 100 people · 1.9% of arrivals
- Orange County, FL 76 people · 1.4% of arrivals
Where people who left went
- Miami-Dade County, FL 537 people · 9.0% of departures
- Broward County, FL 217 people · 3.6% of departures
- Palm Beach County, FL 200 people · 3.3% of departures
- Lee County, FL 168 people · 2.8% of departures
- 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.
Precipitation
| Metric | Value | Source period |
|---|---|---|
| Annual precipitation1991-2020 Normals | 56.9" | 1991-2020 Normals |
| Average January low1991-2020 Normals | 63°F | 1991-2020 Normals |
| Average July high1991-2020 Normals | 90°F | 1991-2020 Normals |
| Comfortable months1991-2020 Normals | 7 | 1991-2020 Normals |
| Seasonal temperature swing1991-2020 Normals | 15°F | 1991-2020 Normals |
Climate figures are thirty-year normals, not current conditions. How to read climate and air quality.
Physical risk
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.
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.
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.
| Metric | Value | Compared nationally | Source period |
|---|---|---|---|
| Broadband access ±3%2024 ACS 5-Year | 91.2% | Top 43%of 31,588 | 2024 ACS 5-Year |
| Distance to major airportNASR current cycle | 47 mi | Bottom 14%of 4,226 | NASR current cycle |
| Major airports within 100 milesNASR current cycle | 4 | Bottom 38%of 4,226 | NASR current cycle |
| No internet access ±1%2024 ACS 5-Year | 2.4% | Top 21%of 31,588 | 2024 ACS 5-Year |
| Airport | Code | Distance | Longest runway |
|---|---|---|---|
| Miami Intl | MIA | 47 mi | 13,016 ft |
| Miami-Opa Locka Exec | OPF | 55 mi | 8,002 ft |
| Dade-Collier Training and Transition | TNT | 59 mi | 10,499 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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Other cities in Key West-Key Largo, FL
Same metropolitan area, measured the same way| City | County | Population | Area Score | Compare |
|---|---|---|---|---|
| Key West | Monroe County | 25,720 | 44 | Key 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.
Similar places
Matched on AreaProfile signals, not geographyCompare
Put Key Largo side by side with a similar place.
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 for | Source | Source period |
|---|---|---|
| Access | Federal Aviation Administration Airports (NASR) — Aeronautical Data Delivery Service | NASR current cycle |
| Physical risk | Federal Emergency Management Agency National Risk Index | National Risk Index December 2025 (v1.20.0) |
| Demographics, Income | Internal Revenue Service, Statistics of Income Division U.S. Population Migration Data (county to county) | filing years 2022–2023 |
| Climate | NOAA National Centers for Environmental Information U.S. Climate Normals 1991–2020 (Monthly) | 1991-2020 Normals |
| Jobs | U.S. Bureau of Labor Statistics Local Area Unemployment Statistics | July 2026 |
| Access, Demographics, Housing, Income, Jobs | U.S. Census Bureau American Community Survey 5-Year Estimates (Table-Based Summary File) | 2024 ACS 5-Year |
| Development | U.S. Census Bureau Building Permits Survey | 12 months ending July 2026 |
| Safety | U.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 |
| Schools | U.S. Department of Education, National Center for Education Statistics Common Core of Data and EDFacts assessments | 2018-19 school year; 2024-25 school year |
| Housing | U.S. Department of Housing and Urban Development, Office of Policy Development and Research Fair Market Rents | FY2026 |
| Housing | U.S. Federal Housing Finance Agency House Price Index (traditional, all-transactions) | 2026 Q2 |
| Current conditions | NOAA 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.