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Living in
Key Largo.
Key Largo is an unincorporated community in Monroe County, FL. It has no city government: the county runs it, and the Census counts it as its own place.
About
Life in Key Largo
Key Largo is a community of 12,069 people in Florida. The median household income is $85,778, median rent runs about $1,889 per month, and median home values are around $643,900. Unemployment is low at 2.8%, suggesting a relatively healthy local job market.
Key Largo at a Glance
Population, income, housing and more
Median Age
49.6 yrs
Poverty Rate
9.9%
Foreign-Born
22.6%
Broadband Internet
91.2%
of households
Median household income
Demographics22.6% foreign-born, most often from Cuba
Who lives in Key Largo: race and ethnicity, ages, households, languages and countries of origin
In Key Largo, the largest foreign-born group is from Cuba (58.0%), and 24.0% of residents speak Spanish at home.
Under 18
15.4%
of residents
65 and Older
27.0%
of residents
Households with Kids
21.1%
anyone under 18
Living Alone
24.6%
of households
Married Couples
51.2%
of households
Avg Household Size
2.47
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 13% above FL average
Rent, home values, and income in Key Largo
In Key Largo, rent runs 13% above the FL average, and home values are 79% above the FL average.
Median rent (per month)
Median home value
Rent Burdened
45.0%
spending 30%+ of income on rent
Severely Rent Burdened
24.2%
spending 50%+
Median Property Tax
$3,150
per year, owner-occupied homes
Homeowners
76.2%
of occupied homes are owned
Typical Home Built
1983
median year built
Vacant Homes
39.8%
of housing units
Home Value Trend
Latest: $1,094,723 (September 2026)
Jobs & Economyunemployment 1.1 pts below FL average
Unemployment in Key Largo
Unemployment in Monroe County, which includes Key Largo, is 1.1 percentage points lower than the FL average.
Unemployment rate
Key Largo: Monroe County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Monroe County (county-wide) · Annual averages
What Key Largo Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Commute26.4 min avg
How Key Largo residents get to work, and the nearest airports
In Key Largo, most residents drive alone to work (69%), and 66% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 50 mi
Miami International Airport (MIA)
Major hub26.5M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 26% below national average
Crime rates for 2025
Violent crime in the area policed by the Monroe County Sheriff's Office, which covers Key Largo, runs 26% below the national average.
Violent Crime Rate
243.4
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
501.7
per 100,000 residents
Below average (1,552 national, 2025)
Policed by Monroe County Sheriff's Office (county-wide rate)
Natural DisastersTropical Storm most common — 5 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Moderate
91.6 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Monroe County, county-wide · FEMA NRI December 2025
In Monroe County, which includes Key Largo, the most common type is tropical storm, with 5 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 5 | Drought | None reported |
| 2024 | 20 | Storm Surge/Tide | $78,500 |
| 2023 | 14 | Thunderstorm Wind | $141,500 |
| 2022 | 6 | Tornado | $20,000 |
| 2021 | 4 | Thunderstorm Wind | $500 |
| 2020 | 14 | Tropical Storm | $618,500 |
| 2019 | 1 | Tornado | Not estimated |
| 2018 | 4 | Tropical Storm | $12,200 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Monroe County, county-wide
Air Quality47 median AQI — Good
Days by air quality category (2025)
Air quality in Miami-Dade County, FL (the nearest EPA-monitored county, about 37 miles from Key Largo) is typically good — 206 good-air days per year.
Median AQI
47
Good Days
206
per year
Moderate Days
158
per year
Unhealthy Days
0
per year
Nearest EPA monitor county: Miami-Dade County, FL (37 mi away)
Climate89°F summers, 65°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Key Largo has warm summers (avg high 89°F) and warm winters (avg low 65°F).
Spring (Mar–May)
82°/71°F
avg high / low
Summer (Jun–Aug)
89°/79°F
avg high / low
Fall (Sep–Nov)
84°/75°F
avg high / low
Winter (Dec–Feb)
77°/65°F
avg high / low
Annual Precipitation
45.0"
Annual Snowfall
0.0"
Hot Days/Year
49
days above 90°F
Freeze Days/Year
0
days below 32°F
Rainy Days/Year
96
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 75°F | 64°F | 2.11" |
| Feb | 77°F | 65°F | 2.17" |
| Mar | 79°F | 67°F | 1.64" |
| Apr | 83°F | 72°F | 1.91" |
| May | 86°F | 75°F | 3.81" |
| Jun | 88°F | 78°F | 5.58" |
| Jul | 89°F | 80°F | 3.98" |
| Aug | 90°F | 79°F | 5.64" |
| Sep | 88°F | 78°F | 7.98" |
| Oct | 85°F | 75°F | 5.64" |
| Nov | 81°F | 70°F | 2.40" |
| Dec | 77°F | 67°F | 2.13" |
Healthcare
Hospitals, ratings, and health insurance in Key Largo
Uninsured
10.3%
of residents
No hospitals inside Key Largo's limits — nearest hospitals · within 15 miles
Mariners Hospital
Critical Access Hospitals · ER available · 7.3 mi away · Tavernier
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education12.9:1 student/teacher ratio
Schools and degree attainment in Key Largo
Key Largo's student/teacher ratio is 12.9:1 (lower than the national average of 16:1), and 39.0% of adults 25+ hold a bachelor's degree or higher.
Public Schools
2
within city limits
Private Schools
0
within city limits
College Degree Rate
39.0%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
12.9:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Parks & Recreationclosest: Biscayne National Park, 32 mi
Nearby national parks, recreation areas and public libraries for Key Largo
Key Largo has 3 nearby national parks or recreation areas, closest being Biscayne National Park (32 mi away).
Nearby National Parks & Recreation Areas
Biscayne National Park
National Park
32 mi awayEverglades National Park
National Park
34 mi awayBig Cypress National Preserve
National Preserve
73 mi awayPublic Libraries in Key Largo
Key Largo Branch
101485 Overseas Hwy., Key Largo
Cities Near Key Largo
The closest cities within 60 miles
Planning a move to Key Largo?
Read our full moving guide — what it's really like to live here.
Key Largo FAQ
Is Key Largo, Florida affordable?⌄
Key Largo's median rent is $1,887/month, which is above the national average. The median household income is $85,778/year. Median home value is $643,900.
Is Key Largo, Florida safe?⌄
Key Largo is policed by the Monroe County Sheriff's Office, whose violent crime rate across its service area was 243 per 100,000 residents in 2025, which is below the national average of 329/100k that year. Property crime rate is 502 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Key Largo, Florida?⌄
Monroe County, which includes Key Largo, has an unemployment rate of 2.8%, which is solid, slightly below the national average of 4.3%.
What is the cost of living in Key Largo, Florida?⌄
The cost of living in Key Largo is primarily driven by housing. Median rent is $1,887/month and median household income is $85,778/year. The median home value is $643,900. About 45% of renters spend more than 30% of their income on housing.
How is the commute in Key Largo, Florida?⌄
The average commute in Key Largo is 26 minutes, which is about average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from