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.

Area Score unavailable

Missing required signal: growth. AreaProfile withholds a score rather than inferring the missing dimensions.

How we calculate this

How this area ranks
OpportunityTop 21% of 3,904 cities measured71
Housing affordability3952nd of 4,223 cities measured44
ClimateTop 19% of 4,223 cities measured79
Physical resilience4070th of 4,182 cities measured7
Access3532nd of 4,226 cities measured75
Economic stability3630th of 4,226 cities measured38
The quick read

Key Largo ranks in the top 21% of published city profiles for employment opportunity, with unemployment at 3.2% and median household income of $85,778.

Buying strains local incomes far more than renting does — the median home is 7.5 times median household income, against a historic benchmark near three — while rent takes 26% of it.

Physical-risk exposure is above the national median, driven mainly by hurricane, coastal flooding and cold wave.

At a glance

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

Jobs & opportunity

Unemployment of 3.2% is lower than 92% of the 3,904 measured US cities.

Employment fell 0.8% over the past year, to 47,715 employed residents.

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

MetricValueCompared nationallySource period
Median household income ±$5,075$85,778Top 28%of 29,5732024 ACS 5-Year
Per capita income ±$6,072$52,959Top 15%of 31,4202024 ACS 5-Year
Poverty rate9.9%Bottom 46%of 31,9002024 ACS 5-Year
Average commute28.1 minTop 43%of 31,5432024 ACS 5-Year
Bachelor's degree or higher39.0%Top 20%of 31,9192024 ACS 5-Year
Employment47,715Bottom 49%of 3,904June 2026
Employment change (3 years)-0.2%Bottom 47%of 3,903June 2026
Employment change (year over year)-0.8%Bottom 48%of 3,904June 2026
Labor force49,294Bottom 49%of 3,904June 2026
Labor force participation57.5%Bottom 40%of 31,9332024 ACS 5-Year
Unemployment change (year over year)0.6%Top 23%of 3,904June 2026
Unemployment rate3.2%Bottom 8%of 3,904June 2026
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.

Housing & affordability

How it’s calculated →

Median rent of $1,887 takes 26% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 7.5 times median household income here, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Rent as a share of income
26.4%
Below the 30% cost-burdened threshold
Home price to income
7.5×
median home value ÷ median income
Median gross rent
$1,887
2024 ACS 5-Year
Median home value
$643,900
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income7.51Top 4%of 28,4732024 ACS 5-Year
Homeownership rate76.2%Top 49%of 31,8432024 ACS 5-Year
Housing units ±4238,740Top 7%of 32,3302024 ACS 5-Year
Median gross rent ±$147$1,887Top 10%of 23,4322024 ACS 5-Year
Median home value ±$52,864$643,900Top 7%of 29,3422024 ACS 5-Year
Rent as a share of income26.4%Top 13%of 23,2012024 ACS 5-Year
Vacancy rate39.8%Top 8%of 32,0012024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →

No building-permit activity is published for this location by the Census Building Permits Survey.

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 precipitation56.9"1991-2020 Normals
Average January low63°F1991-2020 Normals
Average July high90°F1991-2020 Normals
Comfortable months71991-2020 Normals
Seasonal temperature swing15°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

7 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, coastal flooding and cold wave.

Coastal floodingHigh
HurricaneHigh
Cold waveModerate

Low or minimal exposure: lightning, heat wave, wildfire, inland flooding, strong wind, tornado, landslide, hail, earthquake.

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 offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Monroe County records 3.8 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 11.0 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 12.4 per 100,000 residents in Monroe County.

Homicide
3.8
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
11.0
per 100,000 residents · under 10 deaths
Drug overdose
12.4
per 100,000 residents · under 10 deaths
Suicide
13.6
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Monroe County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around Key Largo rather than Key Largo itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so 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.
Taxes and full cost of living
No public source publishes either with national coverage and a method open enough to check. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

4 major airports lie within 100 miles, the nearest 47 miles away.

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.

Customize your score

What matters to you?

Choose what you weight most heavily. Nothing is saved to an account — your preferences stay in this browser, and the Area Score never changes.

Area Score
Your Score

Select one or more priorities to see how this location scores against them.

Other cities in Key West-Key Largo, FL

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

Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years

Profile recalculated August 30, 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 browse every source.