Cudjoe Key, FL

Florida

Cudjoe Key is a small town in Florida with a population of 2,478. Residents earn $84,890 per year, which is 13% above the national average.

3.5 /5.0
B+ Good
2,478 Population 479/sq mi density
$84,890 Median Income $57,989 per capita
$707,700 Home Value
$1,875 Median Rent
78°F Avg Temperature
B+
Overall
3.5 / 5.0
Good overall score based on economy, affordability, safety and education
A+
Economy
4.6 / 5.0
$84,890 median income, 2.3% unemployment
D
Affordability
2.0 / 5.0
$707,700 home value, $1,875/mo rent
A
Education
4.0 / 5.0
37.5% bachelor's degree or higher
Median Income $84,890
13% higher than US avg
Home Value $707,700
151% higher than US avg
Bachelor's+ 37.5%
11% higher than US avg
Median Rent $1,875
61% higher than US avg
Obesity Rate 24.7%
23% lower than US avg
Unemployment 2.3%
36% lower than US avg
Poverty Rate 6.7%
46% lower than US avg

How Cudjoe Key Compares to the U.S. Average (100% = U.S. avg)

People

Population2,478
Median Age54.7 yrs
Density479/mi²
Male / Female50% / 51%
Largest GroupWhite 88%

Economy

A+
Median Income$84,890
Per Capita$57,989
Unemployment2.3%
Poverty6.7%
County GDP$8,350M
Commute29 min

Housing

D
Home Value$707,700
Rent$1,875
OwnershipN/A

Crime

ViolentN/A
PropertyN/A

Health

Obesity24.7%
UninsuredN/A
Depression18.9%
Heart Disease5.5%

Climate

Avg Temp78°F
AQI41 (Good)
Rain46.1 in/yr
Elevation2 ft

Education

A
Bachelor's+37.5%
High School+96.5%
School Score5.60

Community

2024 VoteR 59% / D 40%
Commute29 min
Libraries5

Is Cudjoe Key a Good Place to Live?

Based on current data, Cudjoe Key receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, a highly educated population, a low poverty rate. Areas to be aware of include high housing costs. Cudjoe Key offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Cudjoe Key is $84,890, 13% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 2.3%. Only 6.7% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 29 minutes.

Cost of Living & Housing

The median home value in Cudjoe Key is $707,700, making it a premium housing market at 151% above the U.S. median of $281,900. Renters pay a median of $1,875 per month, significantly above the national average of $1,163. With a home price-to-income ratio of 8.3x, housing affordability is a significant challenge for many families.

Education

Educational attainment is solid, with 37.5% holding a bachelor's degree or higher, near the national average. 96.5% have completed high school. Area schools have an average test score of 5.6/10.

Climate & Weather

Cudjoe Key has a warm climate with an average annual temperature of 78°F. Winters average 69°F in January while summers reach 85°F in July. Annual precipitation totals 46.1 inches. Air quality is rated Good with a median AQI of 41.

Cudjoe Key has a population of 2,478 with a density of 479 people per square mile. The median age is 54.7 years, 41% older than the national median of 38.9. The city is predominantly White (87.8%), with 4.2% Hispanic.

Population

2,478
Total Population
479
People / sq mi
54.7yrs
Median Age
41% above US avg
5.2mi²
Land Area

Gender Distribution

Male 49.5%
Female 50.5%

Race & Ethnicity

Cudjoe Key vs U.S. Average

Language Spoken at Home

English Only88.4%
13% above US avg
Spanish11.6%
13% below US avg

Social Characteristics

Cudjoe Key vs U.S. Average

The median household income in Cudjoe Key is $84,890, which is 13% above the national average of $75,149. The unemployment rate is 2.3% (below the 3.6% US average). 6.7% of residents live below the poverty line. Workers commute an average of 29 minutes.

Income: Cudjoe Key vs U.S.

Commute Mode

Income

Median HH Income$84,890
13% above US avg
Per Capita Income$57,989
Avg Weekly Wage$1,129
IRS Avg AGI$190,259

Employment & Poverty

Unemployment2.3%
36% below US avg
Poverty Rate6.7%
46% below US avg
Establishments (County)5,008
County GDP$8,350M

Business (County)

Restaurants591
Healthcare238
Retail611
Manufacturing58

Tax & Cost of Living

Property Tax (IRS)$13,392
283% above US avg
Effective Tax Rate1.89%

Commute & Transportation

Commute Time29.0 min
Work from Home14.8%

Walkability

The median home value in Cudjoe Key is $707,700, 151% above the national average. Monthly rent averages $1,875 (61% above US avg).

Home Value Sources

Ownership Split

Home Values

Census Median$707,700
151% above US avg
Median List Price$1,575,000

Real Estate Market (Redfin)

Median List Price$1,575,000
$/Sq Ft$899
Homes Sold2
Sale-to-List Ratio95.9%
Price Drops33.3%
Inventory33

Rental Costs

Census Median Rent$1,875
61% above US avg

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

Owner-Occupied76.0%

Property Tax

Avg Tax (IRS)$13,392
283% above US avg
Effective Rate1.89%
In Cudjoe Key, 24.7% of adults are obese (below the 32.1% national rate). 18.9% report depression. 20.1% are physically inactive.

Health Metrics: Cudjoe Key vs U.S. Average (%)

Chronic Conditions

Obesity24.7%
23% below US avg
Diabetes8.9%
Heart Disease5.5%
High Blood Pressure29.7%
Asthma9.4%
COPD5.7%
Stroke2.7%

Behaviors & Mental Health

Binge Drinking20.9%
Physical Inactivity20.1%
Depression18.9%
Mental Distress17.2%
Physical Distress12.4%

Healthcare Access

Insurance Rate89.9%
Checkup Rate74.4%
Premature Death7,731/100K

Food & Exercise

Food Environment7.9/10
Exercise Access79.7%
Healthcare Facilities238

Crime Rates: Cudjoe Key vs U.S. Average (per 100,000)

Violent Crime

Property Crime

Traffic Safety

Fatal Crashes (County/yr)12

Safety Score

Cudjoe Key has an average annual temperature of 78°F (25°C). Winters average 69°F in January while summers reach 85°F in July. Annual precipitation is 46.1 inches. Air quality is rated Good with a median AQI of 41.

Temperature

69°F Jan (21°C) 85°F Jul (29°C)
Annual Average77.6°F
44% above US avg
January Average69°F (21°C)
July Average85°F (29°C)

Precipitation & Snow

Annual Rainfall46.1 inches
21% above US avg

Air Quality

AQI Median41.0
RatingGood

Geography

Elevation2 ft (1 m)
Area5.2 sq mi (13.4 km²)
Population Density479/sq mi
Coordinates24.6788°N, 81.4997°W
County FIPS12087
It is classified as Nonmetro — Urban 20K+, adjacent. 37.5% of residents hold a bachelor's degree or higher (11% above US avg). In the 2024 election, the county voted Republican by a 18.3-point margin.

2024 Presidential Election (County)

R 58.8%
D 40.5%

Winner: Republican by 18.3 points

Education

Bachelor's Degree+37.5%
11% above US avg
High School+96.5%
School Test Score5.60
A Education Grade (4.0/5.0)

Urban-Rural Classification

RUCC Code 4Nonmetro — Urban 20K+, adjacent
Population Density479/sq mi
Total Area5.2 sq mi

Infrastructure & Services

Public Libraries5
Healthcare Facilities238
Restaurants591
Retail Stores611

Safety & Disasters

Fatal Crashes (County/yr)12

Commute & Transportation

Avg Commute29.0 min
Work from Home14.8%

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