Median Income
$69,226
8% lower than US avg
Home Value
$331,100
17% higher than US avg
Bachelor's+
49.7%
47% higher than US avg
Median Rent
$918
21% lower than US avg
Obesity Rate
32.1%
0% lower than US avg
Unemployment
4.2%
17% higher than US avg
Poverty Rate
15.4%
24% higher than US avg
How Cedar Key Compares to the U.S. Average (100% = U.S. avg)
People
Population756
Median Age68.4 yrs
Density734/mi²
Male / Female45% / 55%
Largest GroupWhite 88%
Veterans19.3%
Economy
B+
Median Income$69,226
Per Capita$45,866
Unemployment4.2%
Poverty15.4%
County GDP$426M
Commute20 min
Housing
B+
Home Value$331,100
Rent$918
Ownership85.4%
Zillow$319,698
Housing Units814
Rent Burden51.0%
Health
Obesity32.1%
Uninsured4.1%
Smoking17.2%
Depression22.0%
Heart Disease6.4%
Climate
Avg Temp69°F (21°C)
Rain57.1 in/yr
Elevation-2 ft (-1 m)
Education
A+
Bachelor's+49.7%
High School+98.3%
Graduate+24.0%
School Score5.47
Community
2024 VoteR 85% / D 15%
Commute20 min
Broadband92.7%
EV Stations1
Libraries3
Is Cedar Key a Good Place to Live?
Based on current data, Cedar Key receives an overall livability score of 4.2 out of 5.0, earning a grade of A. Key strengths include a highly educated population, high health insurance coverage, strong internet connectivity. Cedar Key stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Cedar Key is $69,226, roughly in line with the national average of $75,149. Unemployment stands at 4.2%, indicating a healthy job market. The poverty rate of 15.4% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 20 minutes.
Cost of Living & Housing
The median home value in Cedar Key is $331,100, 17% above the national median. Renters pay a median of $918 per month, below the national average / a plus for affordability. A price-to-income ratio of 4.8x indicates a reasonably affordable housing market.
Education
Educational attainment is solid, with 49.7% holding a bachelor's degree or higher, near the national average. 98.3% have completed high school. Area schools have an average test score of 5.5/10.
Climate & Weather
Cedar Key enjoys a moderate climate with an average annual temperature of 69°F. Winters average 55°F in January while summers reach 81°F in July. Annual precipitation totals 57.1 inches.
Cedar Key has a population of 756 with a density of 734 people per square mile, spread across 1.0 square miles. The median age is 68.4 years, 76% older than the national median of 38.9. The gender split is 55.2% female and 44.8% male. The city is predominantly White (88.1%), with 3.6% Hispanic, 5.2% Black. English is the primary language spoken at home by 98.9% of residents. 19.3% of the population are veterans, above the national rate of 6.0%. 27.0% of residents have a disability (above the 13.0% national average). 95.9% have health insurance coverage.
Population
756
Total Population
2023 Census
68.4yrs
Median Age
76% above US avg
Race & Ethnicity
Cedar Key vs U.S. Average
Language Spoken at Home
English Only
98.9%
26% above US avg
Spanish
0.8%
94% below US avg
Social Characteristics
Cedar Key vs U.S. Average
The median household income in Cedar Key is $69,226, which is 8% below the national average of $75,149. Per capita income is $45,866 (above the $39,052 national figure). The average weekly wage is $878, 39% lower than the U.S. average. The unemployment rate is 4.2% (above the 3.6% US average). 15.4% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 284 business establishments, including 23 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 25.7% of workers work from home (above the 15.2% national rate).
Income: Cedar Key vs U.S.
Income
| Median HH Income | $69,226 |
| 8% below US avg |
| Per Capita Income | $45,866 |
| Avg Weekly Wage | $878 |
| IRS Avg AGI | $47,428 |
| Gini Index | 0.427 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.2% |
| 17% above US avg |
| Poverty Rate | 15.4% |
| 24% above US avg |
| Establishments (County) | 284 |
| County GDP | $426M |
Business (County)
| Restaurants | 23 |
| Healthcare | 9 |
| Retail | 43 |
| Manufacturing | 11 |
Tax & Cost of Living
| Property Tax (IRS) | $3,129 |
| 11% below US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 0.95% |
Commute & Transportation
| Commute Time | 20.1 min |
| Drive Alone | 55.4% |
| Public Transit | 0.0% |
| Work from Home | 25.7% |
The median home value in Cedar Key is $331,100, 17% above the national median of $281,900. Zillow estimates the typical home value at $319,698. According to Redfin, the median sale price is $148,000 with homes selling in an average of 113 days. Homes sell for 77.9% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $918 (21% below the national average of $1,163). Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 85.4% of housing units are owner-occupied (above the 65.4% national rate). There are 814 total housing units in the city. The median year a home was built is 1977. The average annual property tax is $3,129. 51.0% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 4.8x.
Home Values
| Census Median | $331,100 |
| 17% above US avg |
| Zillow ZHVI | $319,698 |
| Redfin Median Sale | $148,000 |
| Median List Price | $369,900 |
Real Estate Market (Redfin)
| Median Sale Price | $148,000 |
| Median List Price | $369,900 |
| $/Sq Ft | $119 |
| Homes Sold | 1 |
| Days on Market | 113 days |
| Sale-to-List Ratio | 77.9% |
| Price Drops | 21.1% |
| Inventory | 38 |
Rental Costs
| Census Median Rent | $918 |
| 21% below US avg |
| Rent Burden | 51.0% |
HUD Fair Market Rent
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
Ownership & Property
| Homeownership | 85.4% |
| Owner-Occupied | 85.4% |
| Renter-Occupied | 14.6% |
| Housing Units | 814 |
| Median Year Built | 1977 |
Property Tax
| Avg Tax (IRS) | $3,129 |
| 11% below US avg |
| Effective Rate | 0.95% |
In Cedar Key, 32.1% of adults are obese, below the national rate of 32.1%. 10.6% have diabetes. Heart disease affects 6.4% of residents. 32.3% have high blood pressure. 17.2% are current smokers (above the 14.0% national rate). 17.9% report binge drinking. 25.3% are physically inactive. 22.0% report depression. 21.2% experience frequent mental distress. 4.1% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:4,275. The dentist ratio is 1:17,124. 34.7% of residents have access to exercise opportunities. The food environment index is 7.6 out of 10.
Health Metrics: Cedar Key vs U.S. Average (%)
Chronic Conditions
| Obesity | 32.1% |
| 0% below US avg |
| Diabetes | 10.6% |
| Heart Disease | 6.4% |
| High Blood Pressure | 32.3% |
| Asthma | 11.0% |
| COPD | 8.0% |
| Cancer | 8.0% |
| Stroke | 3.3% |
Behaviors & Mental Health
| Smoking | 17.2% |
| 23% above US avg |
| Binge Drinking | 17.9% |
| Physical Inactivity | 25.3% |
| Depression | 22.0% |
| Mental Distress | 21.2% |
| Physical Distress | 14.9% |
| Short Sleep | 41.6% |
Healthcare Access
| Insurance Rate | 95.9% |
| Uninsured | 4.1% |
| 52% below US avg |
| Primary Care | 1:4,275 |
| Dentists | 1:17,124 |
| Mental Health | 1:5,822 |
| Checkup Rate | 74.6% |
| Dental Visits | 51.3% |
| Premature Death | 12,583/100K |
Food & Exercise
| Food Environment | 7.6/10 |
| Exercise Access | 34.7% |
| Healthcare Facilities | 9 |
Cedar Key enjoys a temperate climate with an average annual temperature of 69°F (21°C). Winters average 55°F in January while summers reach 81°F in July. Annual precipitation totals 57.1 inches (wetter than the 38-inch national average). The city sits at an elevation of -2 feet, near sea level.
Temperature
55°F Jan (13°C)
81°F Jul (27°C)
| Annual Average | 69.2°F |
| 28% above US avg |
| January Average | 55°F (13°C) |
| July Average | 81°F (27°C) |
Geography
| Elevation | -2 ft (-1 m) |
| Area | 1.0 sq mi (2.7 km²) |
| Population Density | 734/sq mi |
| Coordinates | 29.1503°N, 83.0374°W |
| Timezone | America/New_York |
| County | Dixie County County |
| Nearest Airport | Ocala International-Jim Taylor Field (OCF)
49 miles away |
Precipitation & Snow
Annual Rainfall
57.1"
50% above US avg
Wettest Month (Aug)
9.87"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 35.5 / 100 |
| Social Vulnerability | 57.1 / 100 |
| Community Resilience | 3.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Relatively Moderate |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Moderate |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
| Coastal Flood |
Relatively Moderate |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
19 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 5. Most recent: Helene (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Helene |
Category 4 |
105 km |
| 2024 |
Milton |
Category 3 |
176 km |
| 2024 |
Debby |
Category 1 |
70 km |
| 2023 |
Idalia |
Category 4 |
100 km |
| 2022 |
Ian |
Category 4 |
244 km |
| 2021 |
Elsa |
Category 1 |
284 km |
| 2018 |
Michael |
Category 5 |
256 km |
| 2017 |
Irma |
Category 1 |
134 km |
| 2016 |
Matthew |
Category 3 |
235 km |
| 2016 |
Hermine |
Category 1 |
145 km |
| 2004 |
Charley |
Category 4 |
179 km |
| 2004 |
Jeanne |
Category 3 |
163 km |
| 2004 |
Frances |
Category 2 |
249 km |
| 2000 |
Gordon |
Category 1 |
148 km |
| 1998 |
Earl |
Category 1 |
278 km |
| 1995 |
Erin |
Category 1 |
166 km |
| 1985 |
Elena |
Category 3 |
84 km |
| 1985 |
Kate |
Category 2 |
226 km |
| 1985 |
Bob |
Category 1 |
287 km |
Source: NOAA IBTrACS (Cat 1+, 1980-2026)
Tornado History
240 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 9 fatalities, 134 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 9, 1983 |
EF3 |
72 km |
3 |
| Dec 31, 1975 |
EF3 |
85 km |
1 |
| Oct 12, 2023 |
EF2 |
54 km |
0 |
| Mar 7, 2008 |
EF2 |
93 km |
0 |
| Mar 29, 2001 |
EF2 |
68 km |
0 |
| Sep 3, 1998 |
EF2 |
56 km |
0 |
| Jan 7, 1995 |
EF2 |
91 km |
1 |
| Mar 12, 1993 |
EF2 |
79 km |
0 |
| Mar 12, 1993 |
EF2 |
42 km |
3 |
| Jun 25, 1988 |
EF2 |
78 km |
0 |
| Mar 14, 1986 |
EF2 |
89 km |
0 |
| Apr 23, 1983 |
EF2 |
65 km |
0 |
| Apr 9, 1983 |
EF2 |
78 km |
0 |
| Feb 2, 1983 |
EF2 |
85 km |
0 |
| Jun 11, 1982 |
EF2 |
38 km |
0 |
| May 4, 1978 |
EF2 |
74 km |
0 |
| Apr 19, 1978 |
EF2 |
96 km |
0 |
| Apr 19, 1978 |
EF2 |
99 km |
0 |
| Feb 6, 1975 |
EF2 |
96 km |
0 |
| Mar 8, 1973 |
EF2 |
92 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (59,179 ac, 2001).
| Year |
Name |
Acres |
Distance |
| 2001 |
UNNAMED |
59,179 |
86 km |
| 2010 |
UNNAMED |
4,859 |
81 km |
| 2006 |
UNNAMED |
4,336 |
43 km |
| 2006 |
UNNAMED |
4,231 |
42 km |
| 2000 |
UNNAMED |
3,972 |
95 km |
| 2000 |
UNNAMED |
3,910 |
100 km |
| 2006 |
UNNAMED |
3,337 |
42 km |
| 2011 |
BAD LAND |
3,086 |
43 km |
| 2010 |
BURNT ISLAND |
2,736 |
95 km |
| 2010 |
UNNAMED |
2,577 |
99 km |
| 2006 |
UNNAMED |
2,443 |
46 km |
| 1989 |
MASON CK |
2,249 |
61 km |
| 2010 |
UNNAMED |
2,127 |
72 km |
| 2007 |
UNNAMED |
2,106 |
86 km |
| 2008 |
UNNAMED |
2,022 |
96 km |
| 2008 |
SANDY ROAD |
1,844 |
83 km |
| 2009 |
UNNAMED |
1,792 |
76 km |
| 2011 |
SWAMP |
1,722 |
42 km |
| 2010 |
UNNAMED |
1,695 |
36 km |
| 2022 |
FLLSR-FY22-RX-PRESCRIBED FIRE |
1,604 |
23 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
55°F (13°C) |
3.6 in |
Coldest |
| February |
59°F (15°C) |
3.3 in |
|
| March |
63°F (17°C) |
3.8 in |
|
| April |
68°F (20°C) |
3.0 in |
|
| May |
75°F (24°C) |
2.8 in |
|
| June |
79°F (26°C) |
8.0 in |
|
| July |
81°F (27°C) |
8.3 in |
|
| August |
81°F (27°C) |
9.9 in |
Warmest, Wettest |
| September |
79°F (26°C) |
5.8 in |
|
| October |
72°F (22°C) |
3.2 in |
|
| November |
63°F (17°C) |
2.2 in |
Driest |
| December |
57°F (14°C) |
3.3 in |
|
Cedar Key has a seasonal temperature swing of 26°F / from 55°F in January to 81°F in August. Total annual precipitation is 57.1 inches, with August being the wettest month (9.9") and November the driest (2.2").
Average costs for common services in Cedar Key. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$259 ($155-$414) |
| Specialist Visit |
$362 ($207-$569) |
| Urgent Care Visit |
$207 ($103-$362) |
| Emergency Room Visit |
$2,275 ($827-$5,170) |
| Dental Cleaning |
$134 ($78-$207) |
| Dental Filling |
$259 ($155-$414) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26-$78) |
| Oil Change (Synthetic) |
$78 ($52-$124) |
| Brake Pad Replacement |
$310 ($155-$517) |
| Tire Rotation |
$41 ($21-$78) |
| New Tires (Set of 4) |
$620 ($414-$1,034) |
| Battery Replacement |
$207 ($103-$362) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$103 ($62-$155) |
| Electrician (Per Hour) |
$93 ($52-$145) |
| HVAC Repair |
$414 ($155-$827) |
| HVAC System Install |
$7,238 ($4,136-$12,408) |
| Roof Repair |
$1,034 ($414-$2,068) |
| Roof Replacement |
$9,306 ($5,687-$15,510) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,551 ($517-$3,619) |
| Divorce (Contested) |
$15,510 ($5,170-$31,020) |
| DUI Defense |
$5,170 ($2,068-$10,340) |
| Bankruptcy (Chapter 7) |
$1,551 ($827-$3,102) |
| Will Preparation |
$517 ($207-$1,034) |
| Trust Preparation |
$2,585 ($1,034-$5,170) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16-$47) |
| Women's Haircut |
$57 ($31-$103) |
| Hair Coloring (Full) |
$155 ($78-$259) |
| Manicure |
$26 ($16-$47) |
| Pedicure |
$41 ($26-$67) |
| Massage (1 Hour) |
$83 ($52-$134) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.24 ($3.10-$5.69) |
| Dozen Eggs (per dozen) |
$3.62 ($2.59-$5.17) |
| Loaf of Bread |
$3.93 ($2.59-$5.69) |
| Chicken Breast (per lb) |
$4.65 ($3.10-$6.72) |
| Ground Beef (per lb) |
$5.69 ($4.14-$7.76) |
| Rice (per lb) |
$1.03 ($0.62-$1.86) |
View all 20 services
Utilities
| Electricity (Monthly) |
$145 ($83-$259) |
| Natural Gas (Monthly) |
$72 ($31-$155) |
| Water/Sewer (Monthly) |
$72 ($41-$124) |
| Internet (Monthly) |
$72 ($41-$103) |
| Cell Phone Plan (Monthly) |
$67 ($31-$103) |
| Cable TV (Monthly) |
$88 ($52-$155) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$207 ($78-$517) |
| Car Insurance (Annual) |
$2,068 ($1,241-$3,619) |
| Bus Pass (Monthly) |
$72 ($31-$134) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.27-$26) |
| Car Registration (Annual) |
$103 ($31-$259) |
| Driver's License Renewal |
$31 ($16-$78) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,241 ($620-$2,585) |
| Daycare (Toddler, Monthly) |
$1,034 ($517-$2,068) |
| After-School Care (Monthly) |
$414 ($207-$724) |
| Tutoring (Per Hour) |
$52 ($26-$103) |
| SAT/ACT Prep Course |
$1,034 ($414-$2,585) |
| Private School (K-12, Annual) |
$12,925 ($5,170-$31,020) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$62 ($31-$103) |
| Dog Vaccination (Annual) |
$103 ($52-$207) |
| Dog Grooming |
$62 ($31-$103) |
| Pet Boarding (Per Night) |
$41 ($21-$78) |
| Dog Spay/Neuter |
$310 ($155-$517) |
| Cat Spay/Neuter |
$207 ($103-$414) |
View all 9 services
Frequently Asked Questions About Cedar Key
What is the population of Cedar Key?
Cedar Key has a population of 756 residents and is located in Florida. The population density is 734 people per square mile, spread across 1.0 square miles. The median age of residents is 68.4 years, which is older than the national median of 38.9 years. The population is 55.2% female and 44.8% male.
Is Cedar Key expensive to live in?
Cedar Key has a cost of living roughly in line with the national average, with an index of 103.4 (baseline: 100). The median household income is $69,226, 8% below the national average of $75,149. The median home value is $331,100 (17% above the U.S. median). Renters pay a median of $918 per month, below the national average of $1,163. The home price-to-income ratio is 4.8x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Cedar Key?
Cedar Key enjoys a temperate climate with an average annual temperature of 69°F (21°C). Winter temperatures average 55°F in January, while summers reach an average of 81°F in July. Annual rainfall totals 57.1 inches.
How is the job market in Cedar Key?
Cedar Key has a healthy job market with an unemployment rate of 4.2%, near the national average of 3.6%. The average weekly wage is $878. There are 284 business establishments in the area, including 23 restaurants and food service locations. The average commute time is 20 minutes, and 25.7% of workers work from home.
How much does housing cost in Cedar Key?
The median home value in Cedar Key is $331,100. Zillow estimates the typical home value at $319,698. According to Redfin, the median sale price is $148,000, with homes typically selling within 113 days. For renters, the median monthly rent is $918. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 85.4%. The average annual property tax is $3,129.
How are the schools in Cedar Key?
Schools in Cedar Key score 5.5 out of 10 on standardized testing, near the national average. 49.7% of adults in Cedar Key hold a bachelor's degree or higher, above the national average of 33.7%. 98.3% have completed high school. 24.0% hold a graduate or professional degree.
How healthy is Cedar Key?
The obesity rate in Cedar Key is 32.1% (below the national rate of 32.1%). 17.2% of adults are smokers. 25.3% are physically inactive. 22.0% of residents report depression. 4.1% lack health insurance (below the national rate). 34.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:4,275.
What is transportation like in Cedar Key?
The average commute in Cedar Key is 20 minutes, shorter than the national average of 28 minutes. 55.4% of workers drive alone to work, and 25.7% work from home.
What are the demographics of Cedar Key?
The racial and ethnic makeup of Cedar Key is 88.1% White, 5.2% Black or African American, 3.6% Hispanic or Latino. 98.9% of residents speak only English at home. 19.3% of the population are military veterans. 27.0% of residents have a disability. 95.9% have health insurance coverage.