Median Income
$76,915
2% higher than US avg
Home Value
$388,500
38% higher than US avg
Violent Crime
164/100K
57% lower than US avg
Bachelor's+
46.4%
38% higher than US avg
Median Rent
$1,912
64% higher than US avg
Obesity Rate
30.7%
4% lower than US avg
Unemployment
4.5%
25% higher than US avg
Poverty Rate
8.1%
35% lower than US avg
How Cortez Compares to the U.S. Average (100% = U.S. avg)
People
Population5,323
Median Age62.8 yrs
Density2,387/mi²
Male / Female49% / 51%
Largest GroupWhite 95%
Veterans14.1%
Economy
A
Median Income$76,915
Per Capita$54,507
Unemployment4.5%
Poverty8.1%
County GDP$26,348M
Commute36 min
Housing
B+
Home Value$388,500
Rent$1,912
Ownership85.5%
Zillow$732,132
Housing Units3,859
Rent Burden23.6%
Crime
F
Violent164/100K
Property1,066/100K
Health
Obesity30.7%
Uninsured9.8%
Smoking12.0%
Depression20.4%
Heart Disease5.3%
Climate
Avg Temp74°F (23°C)
AQI41 (Good)
Rain49.1 in/yr
Sunny Days330/yr
Elevation3 ft (1 m)
Education
A+
Bachelor's+46.4%
High School+97.5%
Graduate+14.5%
School Score5.40
Community
2024 VoteR 61% / D 38%
Commute36 min
Broadband88.8%
EV Stations4
Libraries7
Is Cortez a Good Place to Live?
Based on current data, Cortez receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include low crime rates, a highly educated population, abundant sunshine, a low poverty rate. Areas to be aware of include long commute times. Cortez offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Cortez is $76,915, roughly in line with the national average of $75,149. Unemployment stands at 4.5%, indicating a healthy job market. 8.1% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 36 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Cortez is $388,500, 38% above the national median. Renters pay a median of $1,912 per month, significantly above the national average of $1,163. The price-to-income ratio of 5.1x means housing costs are stretched relative to local earnings.
Safety & Crime
Violent crime in Cortez is below the national average at 164 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,066 per 100,000, 46% below the national average.
Education
Educational attainment is solid, with 46.4% holding a bachelor's degree or higher, near the national average. 97.5% have completed high school. Area schools have an average test score of 5.4/10.
Climate & Weather
Cortez has a warm climate with an average annual temperature of 74°F. Winters average 62°F in January while summers reach 83°F in July. With 330 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 49.1 inches. Air quality is rated Good with a median AQI of 41.
Cortez has a population of 5,323 with a density of 2,387 people per square mile, spread across 2.2 square miles. The median age is 62.8 years, 61% older than the national median of 38.9. The gender split is 51.2% female and 48.8% male. The city is predominantly White (94.6%), with 2.3% Black. English is the primary language spoken at home by 96.9% of residents. 14.1% of the population are veterans, above the national rate of 6.0%. 17.4% of residents have a disability (above the 13.0% national average). 93.7% have health insurance coverage.
Population
62.8yrs
Median Age
61% above US avg
Language Spoken at Home
English Only
96.9%
23% above US avg
Spanish
3.1%
77% below US avg
The median household income in Cortez is $76,915, which is 2% above the national average of $75,149. Per capita income is $54,507 (above the $39,052 national figure). The average weekly wage is $1,170, 18% lower than the U.S. average. The unemployment rate is 4.5% (above the 3.6% US average). 8.1% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 14,624 business establishments, including 773 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 36 minutes (longer than the 28-minute US average). 11.1% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $76,915 |
| 2% above US avg |
| Per Capita Income | $54,507 |
| Avg Weekly Wage | $1,170 |
| IRS Avg AGI | $106,916 |
| Gini Index | 0.471 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.5% |
| 25% above US avg |
| Poverty Rate | 8.1% |
| 35% below US avg |
| Establishments (County) | 14,624 |
| County GDP | $26,348M |
Business (County)
| Restaurants | 773 |
| Healthcare | 1,127 |
| Retail | 1,394 |
| Manufacturing | 303 |
Tax & Cost of Living
| Property Tax (IRS) | $8,900 |
| 154% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 2.29% |
Commute & Transportation
| Commute Time | 35.8 min |
| Drive Alone | 75.1% |
| Public Transit | 0.0% |
| Work from Home | 11.1% |
The median home value in Cortez is $388,500, 38% above the national median of $281,900. Zillow estimates the typical home value at $732,132, higher than the Census estimate. Homes sell for 96.6% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $1,912 (64% above 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. 85.5% of housing units are owner-occupied (above the 65.4% national rate). There are 3,859 total housing units in the city. The median year a home was built is 1976. The average annual property tax is $8,900 (higher than the $3,500 national average). 23.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 5.1x, above the traditionally affordable threshold of 3-4x.
Home Values
| Census Median | $388,500 |
| 38% above US avg |
| Zillow ZHVI | $732,132 |
| Median List Price | $534,900 |
Real Estate Market (Redfin)
| Median List Price | $534,900 |
| $/Sq Ft | $279 |
| Homes Sold | 4 |
| Sale-to-List Ratio | 96.6% |
| Price Drops | 35.2% |
| Inventory | 91 |
Rental Costs
| Census Median Rent | $1,912 |
| 64% above US avg |
| Rent Burden | 23.6% |
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 | 85.5% |
| Owner-Occupied | 85.5% |
| Renter-Occupied | 14.5% |
| Housing Units | 3,859 |
| Median Year Built | 1976 |
Property Tax
| Avg Tax (IRS) | $8,900 |
| 154% above US avg |
| Effective Rate | 2.29% |
In Cortez, 30.7% of adults are obese, below the national rate of 32.1%. 8.6% have diabetes (below the 10.5% national rate). Heart disease affects 5.3% of residents. 28.7% have high blood pressure. 12.0% are current smokers. 19.4% report binge drinking. 18.8% are physically inactive, below the national average. 20.4% report depression. 17.4% experience frequent mental distress. 9.8% of residents lack health insurance. The primary care physician ratio is 1:1,612. The dentist ratio is 1:1,696. 89.0% of residents have access to exercise opportunities. The food environment index is 8.2 out of 10.
Health Metrics: Cortez vs U.S. Average (%)
Chronic Conditions
| Obesity | 30.7% |
| 4% below US avg |
| Diabetes | 8.6% |
| Heart Disease | 5.3% |
| High Blood Pressure | 28.7% |
| Asthma | 9.4% |
| COPD | 5.6% |
| Cancer | 8.3% |
| Stroke | 2.6% |
Behaviors & Mental Health
| Smoking | 12.0% |
| 14% below US avg |
| Binge Drinking | 19.4% |
| Physical Inactivity | 18.8% |
| Depression | 20.4% |
| Mental Distress | 17.4% |
| Physical Distress | 11.7% |
| Short Sleep | 37.1% |
Healthcare Access
| Insurance Rate | 93.7% |
| Uninsured | 9.8% |
| 14% above US avg |
| Primary Care | 1:1,612 |
| Dentists | 1:1,696 |
| Mental Health | 1:766 |
| Checkup Rate | 75.5% |
| Dental Visits | 63.6% |
| Premature Death | 8,820/100K |
Food & Exercise
| Food Environment | 8.2/10 |
| Exercise Access | 89.0% |
| Healthcare Facilities | 1,127 |
Cortez has a violent crime rate of 164 per 100,000 residents, 57% below the national average of 380. Property crime stands at 1,066 per 100,000, 46% below the U.S. average. The county recorded 64 fatal traffic crashes. Overall, Cortez receives a safety grade of F.
Crime Rates: Cortez vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 163.9/100K |
| 57% below US avg |
| |
Property Crime
| Total Property | 1,065.6/100K |
| 46% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 64 |
| Traffic Accidents | 51 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cortez has a warm climate with an average annual temperature of 74°F (23°C). Winters average 62°F in January while summers reach 83°F in July. The area gets 330 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 49.1 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 3 feet, near sea level.
Temperature
62°F Jan (17°C)
83°F Jul (28°C)
| Annual Average | 74.1°F |
| 37% above US avg |
| January Average | 62°F (17°C) |
| July Average | 83°F (28°C) |
| Sunny Days | 330 days/yr |
Geography
| Elevation | 3 ft (1 m) |
| Area | 2.2 sq mi (5.8 km²) |
| Population Density | 2,387/sq mi |
| Coordinates | 27.4677°N, 82.6687°W |
| Timezone | America/New_York |
| County | Manatee County County |
| Nearest Airport | Sarasota/Bradenton International (SRQ) 9 miles away |
Precipitation & Snow
Annual Rainfall
49.1"
29% above US avg
Wettest Month (Aug)
8.86"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0386 ppm |
| SO₂ (Sulfur Dioxide) | 0.90 ppb |
Natural Hazard Risk
| Overall Risk | Relatively High |
| Risk Score | 97.6 / 100 |
| Social Vulnerability | 54.8 / 100 |
| Community Resilience | 22.8 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very High |
| Earthquake |
Very Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively High |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
No Rating |
| Lightning |
Very High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
| Coastal Flood |
Very High |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
23 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 5. Most recent: Milton (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Milton |
Category 4 |
10 km |
| 2024 |
Helene |
Category 4 |
201 km |
| 2024 |
Debby |
Category 1 |
155 km |
| 2023 |
Idalia |
Category 4 |
201 km |
| 2022 |
Ian |
Category 5 |
97 km |
| 2022 |
Nicole |
Category 1 |
234 km |
| 2021 |
Elsa |
Category 1 |
110 km |
| 2020 |
Eta |
Category 1 |
222 km |
| 2017 |
Irma |
Category 3 |
76 km |
| 2016 |
Matthew |
Category 3 |
278 km |
| 2016 |
Hermine |
Category 1 |
269 km |
| 2005 |
Dennis |
Category 4 |
277 km |
| 2005 |
Wilma |
Category 3 |
199 km |
| 2005 |
Katrina |
Category 2 |
267 km |
| 2004 |
Charley |
Category 4 |
77 km |
| 2004 |
Jeanne |
Category 3 |
89 km |
| 2004 |
Frances |
Category 2 |
146 km |
| 2000 |
Gordon |
Category 1 |
126 km |
| 1999 |
Irene |
Category 1 |
250 km |
| 1998 |
Georges |
Category 2 |
295 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
716 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 26 fatalities, 1,036 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 4, 1966 |
EF4 |
52 km |
11 |
| Apr 15, 1958 |
EF4 |
23 km |
0 |
| Oct 3, 1992 |
EF3 |
40 km |
3 |
| Mar 17, 1985 |
EF3 |
47 km |
2 |
| Jan 24, 1979 |
EF3 |
3 km |
0 |
| May 4, 1978 |
EF3 |
50 km |
3 |
| Oct 31, 1958 |
EF3 |
8 km |
0 |
| Oct 11, 2023 |
EF2 |
62 km |
0 |
| Dec 16, 2020 |
EF2 |
45 km |
0 |
| Oct 18, 2019 |
EF2 |
84 km |
0 |
| Jan 17, 2016 |
EF2 |
45 km |
2 |
| Jan 17, 2016 |
EF2 |
27 km |
0 |
| Dec 25, 2006 |
EF2 |
99 km |
0 |
| Jun 21, 2006 |
EF2 |
77 km |
0 |
| Dec 7, 1996 |
EF2 |
54 km |
1 |
| Apr 4, 1993 |
EF2 |
79 km |
0 |
| Oct 3, 1992 |
EF2 |
48 km |
1 |
| Jul 12, 1992 |
EF2 |
62 km |
0 |
| Feb 8, 1986 |
EF2 |
95 km |
0 |
| Dec 12, 1983 |
EF2 |
84 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (7,415 ac, 1999).
| Year |
Name |
Acres |
Distance |
| 1999 |
UNNAMED |
7,415 |
50 km |
| 2006 |
UNNAMED |
5,970 |
100 km |
| 1991 |
UNNAMED |
4,960 |
100 km |
| 1999 |
UNNAMED |
4,949 |
52 km |
| 2004 |
UNNAMED |
4,816 |
98 km |
| 1994 |
UNNAMED |
4,477 |
45 km |
| 2004 |
UNNAMED |
3,999 |
47 km |
| 1992 |
UNNAMED |
3,905 |
54 km |
| 1992 |
UNNAMED |
3,836 |
66 km |
| 1989 |
UNNAMED |
3,828 |
50 km |
| 1985 |
UNNAMED |
3,744 |
49 km |
| 2006 |
UNNAMED |
3,727 |
95 km |
| 1985 |
UNNAMED |
3,647 |
53 km |
| 1990 |
UNNAMED |
3,595 |
47 km |
| 2004 |
UNNAMED |
3,479 |
95 km |
| 2012 |
UNNAMED |
3,443 |
50 km |
| 2006 |
UNNAMED |
3,436 |
76 km |
| 2017 |
RAINTREE BLVD |
3,319 |
75 km |
| 1990 |
UNNAMED |
3,245 |
51 km |
| 1990 |
UNNAMED |
3,152 |
47 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
62°F (17°C) |
2.3 in |
|
| February |
62°F (17°C) |
3.0 in |
Coldest |
| March |
67°F (19°C) |
3.4 in |
|
| April |
71°F (22°C) |
1.5 in |
Driest |
| May |
77°F (25°C) |
3.0 in |
|
| June |
81°F (27°C) |
6.6 in |
|
| July |
83°F (28°C) |
7.2 in |
Warmest |
| August |
82°F (28°C) |
8.9 in |
Wettest |
| September |
81°F (27°C) |
7.4 in |
|
| October |
76°F (24°C) |
2.6 in |
|
| November |
69°F (21°C) |
2.1 in |
|
| December |
64°F (18°C) |
2.2 in |
|
Cortez has a seasonal temperature swing of 21°F / from 62°F in February to 83°F in July. Total annual precipitation is 50.2 inches, with August being the wettest month (8.9") and April the driest (1.5").
Average costs for common services in Cortez. 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
Childcare
| Center-Based (monthly) |
| Infant | $953 |
| Toddler | $801 |
| Preschool | $714 |
| Family Childcare (monthly) |
| Infant | $693 |
| Toddler | $671 |
| Preschool | $650 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cortez
What is the population of Cortez?
Cortez has a population of 5,323 residents and is located in Florida. The population density is 2,387 people per square mile, spread across 2.2 square miles. The median age of residents is 62.8 years, which is older than the national median of 38.9 years. The population is 51.2% female and 48.8% male.
Is Cortez expensive to live in?
Cortez 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 $76,915, 2% above the national average of $75,149. The median home value is $388,500 (38% above the U.S. median). Renters pay a median of $1,912 per month, above the national average of $1,163. The home price-to-income ratio is 5.1x, which means housing is a stretch relative to local earnings.
Is Cortez safe?
Cortez is safer than the national average, with a violent crime rate of 164 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,066 per 100,000 (below the national average). Overall, Cortez receives a safety grade of F based on combined crime data.
What is the weather like in Cortez?
Cortez has a warm climate with an average annual temperature of 74°F (23°C). Winter temperatures average 62°F in January, while summers reach an average of 83°F in July. The area receives 330 sunny days per year, well above the national average of 205. Annual rainfall totals 49.1 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Cortez?
Cortez has a healthy job market with an unemployment rate of 4.5%, near the national average of 3.6%. The average weekly wage is $1,170. There are 14,624 business establishments in the area, including 773 restaurants and food service locations. The average commute time is 36 minutes, and 11.1% of workers work from home.
How much does housing cost in Cortez?
The median home value in Cortez is $388,500. Zillow estimates the typical home value at $732,132. For renters, the median monthly rent is $1,912. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 85.5%. The average annual property tax is $8,900.
How are the schools in Cortez?
Schools in Cortez score 5.4 out of 10 on standardized testing, near the national average. 46.4% of adults in Cortez hold a bachelor's degree or higher, above the national average of 33.7%. 97.5% have completed high school. 14.5% hold a graduate or professional degree.
How healthy is Cortez?
The obesity rate in Cortez is 30.7% (below the national rate of 32.1%). 12.0% of adults are smokers. 18.8% are physically inactive. 20.4% of residents report depression. 9.8% lack health insurance. 89.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,612.
What is transportation like in Cortez?
The average commute in Cortez is 36 minutes, longer than the national average of 28 minutes. 75.1% of workers drive alone to work, and 11.1% work from home.
What are the demographics of Cortez?
The racial and ethnic makeup of Cortez is 94.6% White, 2.3% Black or African American. 96.9% of residents speak only English at home, while 3.1% speak Spanish. 14.1% of the population are military veterans. 17.4% of residents have a disability. 93.7% have health insurance coverage.