Median Income
$135,000
80% higher than US avg
Home Value
$989,900
251% higher than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
48.8%
45% higher than US avg
Median Rent
$3,501
201% higher than US avg
Obesity Rate
23.9%
26% lower than US avg
Unemployment
1.4%
61% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Duck Key Compares to the U.S. Average (100% = U.S. avg)
People
Population755
Median Age63.6 yrs
Density1,258/mi²
Male / Female60% / 40%
Largest GroupWhite 89%
Veterans18.2%
Economy
A+
Median Income$135,000
Per Capita$71,649
Unemployment1.4%
Poverty0.0%
County GDP$8,350M
Commute16 min
Housing
C+
Home Value$989,900
Rent$3,501
Ownership83.7%
Zillow$864,975
Housing Units831
Rent Burden26.8%
Crime
C+
Violent0/100K
Property1,423/100K
Health
Obesity23.9%
Uninsured10.9%
Smoking10.9%
Depression18.1%
Heart Disease5.0%
Climate
Avg Temp78°F (25°C)
AQI41 (Good)
Rain40.4 in/yr
Sunny Days330/yr
Elevation3 ft (1 m)
Education
A+
Bachelor's+48.8%
High School+90.1%
Graduate+28.7%
School Score6.00
Community
2024 VoteR 59% / D 40%
Commute16 min
Broadband97.3%
EV Stations5
Libraries5
Is Duck Key a Good Place to Live?
Based on current data, Duck Key receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, a highly educated population. Areas to be aware of include high housing costs. Duck Key offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Duck Key is $135,000, which is significantly higher than the national average / 80% above $75,149. This places Duck Key among higher-income communities. The job market is very strong with unemployment at just 1.4%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 16 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Duck Key is $989,900, making it a premium housing market at 251% above the U.S. median of $281,900. Renters pay a median of $3,501 per month, significantly above the national average of $1,163. With a home price-to-income ratio of 7.3x, housing affordability is a significant challenge for many families.
Safety & Crime
Duck Key is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,423 per 100,000, 27% below the national average.
Education
Educational attainment is solid, with 48.8% holding a bachelor's degree or higher, near the national average. 90.1% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Duck Key has a warm climate with an average annual temperature of 78°F. Winters average 69°F in January while summers reach 84°F in July. With 330 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.4 inches. Air quality is rated Good with a median AQI of 41.
Duck Key has a population of 755 with a density of 1,258 people per square mile, spread across 0.6 square miles. The median age is 63.6 years, 63% older than the national median of 38.9. The gender split is 40% female and 60% male. The city is predominantly White (88.6%), with 1.1% Hispanic, 6.8% Black. English is the primary language spoken at home by 85.5% of residents, while 14.5% speak Spanish. 18.2% of the population are veterans, above the national rate of 6.0%. 13.8% of residents have a disability. 80.4% have health insurance coverage.
Population
63.6yrs
Median Age
63% above US avg
Language Spoken at Home
English Only
85.5%
9% above US avg
Spanish
14.5%
8% above US avg
The median household income in Duck Key is $135,000, which is 80% above the national average of $75,149. Per capita income is $71,649 (above the $39,052 national figure). The average weekly wage is $1,129, 21% lower than the U.S. average. The unemployment rate is 1.4% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 5,008 business establishments, including 591 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 16 minutes (shorter than the 28-minute US average). 16.1% of workers work from home.
Income
| Median HH Income | $135,000 |
| 80% above US avg |
| Per Capita Income | $71,649 |
| Avg Weekly Wage | $1,129 |
| IRS Avg AGI | $190,259 |
| Gini Index | 0.517 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.4% |
| 61% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 5,008 |
| County GDP | $8,350M |
Business (County)
| Restaurants | 591 |
| Healthcare | 238 |
| Retail | 611 |
| Manufacturing | 58 |
Tax & Cost of Living
| Property Tax (IRS) | $13,392 |
| 283% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 1.35% |
Commute & Transportation
| Commute Time | 15.5 min |
| Drive Alone | 59.1% |
| Public Transit | 0.0% |
| Work from Home | 16.1% |
The median home value in Duck Key is $989,900, 251% above the national median of $281,900. Zillow estimates the typical home value at $864,975, lower than the Census estimate. Homes sell for 92.1% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $3,501 (201% 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. 83.7% of housing units are owner-occupied (above the 65.4% national rate). There are 831 total housing units in the city. The median year a home was built is 1983. The average annual property tax is $13,392 (higher than the $3,500 national average). 26.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 7.3x, making homeownership a significant financial stretch for most families.
Home Values
| Census Median | $989,900 |
| 251% above US avg |
| Zillow ZHVI | $864,975 |
| Median List Price | $689,900 |
Real Estate Market (Redfin)
| Median List Price | $689,900 |
| $/Sq Ft | $796 |
| Homes Sold | 4 |
| Sale-to-List Ratio | 92.1% |
| Price Drops | 22.6% |
| Inventory | 53 |
Rental Costs
| Census Median Rent | $3,501 |
| 201% above US avg |
| Rent Burden | 26.8% |
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 | 83.7% |
| Owner-Occupied | 83.7% |
| Renter-Occupied | 16.3% |
| Housing Units | 831 |
| Median Year Built | 1983 |
Property Tax
| Avg Tax (IRS) | $13,392 |
| 283% above US avg |
| Effective Rate | 1.35% |
In Duck Key, 23.9% of adults are obese, below the national rate of 32.1%. 8.3% have diabetes (below the 10.5% national rate). Heart disease affects 5.0% of residents. 28.4% have high blood pressure. 10.9% are current smokers (below the 14.0% national rate). 20.8% report binge drinking. 18.5% are physically inactive, below the national average. 18.1% report depression. 16.1% experience frequent mental distress. 10.9% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,522. The dentist ratio is 1:1,602. 79.7% of residents have access to exercise opportunities. The food environment index is 7.9 out of 10.
Health Metrics: Duck Key vs U.S. Average (%)
Chronic Conditions
| Obesity | 23.9% |
| 26% below US avg |
| Diabetes | 8.3% |
| Heart Disease | 5.0% |
| High Blood Pressure | 28.4% |
| Asthma | 9.3% |
| COPD | 5.0% |
| Cancer | 8.0% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 10.9% |
| 22% below US avg |
| Binge Drinking | 20.8% |
| Physical Inactivity | 18.5% |
| Depression | 18.1% |
| Mental Distress | 16.1% |
| Physical Distress | 11.4% |
| Short Sleep | 34.6% |
Healthcare Access
| Insurance Rate | 80.4% |
| Uninsured | 10.9% |
| 27% above US avg |
| Primary Care | 1:1,522 |
| Dentists | 1:1,602 |
| Mental Health | 1:386 |
| Checkup Rate | 75.2% |
| Dental Visits | 61.8% |
| Premature Death | 7,731/100K |
Food & Exercise
| Food Environment | 7.9/10 |
| Exercise Access | 79.7% |
| Healthcare Facilities | 238 |
Duck Key has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 1,423 per 100,000, 27% below the U.S. average. The county recorded 12 fatal traffic crashes. Overall, Duck Key receives a safety grade of C+.
Crime Rates: Duck Key vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 1,423.5/100K |
| 27% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 12 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Duck Key has a warm climate with an average annual temperature of 78°F (25°C). Winters average 69°F in January while summers reach 84°F in July / relatively mild seasonal variation. 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 40.4 inches. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 3 feet, near sea level.
Temperature
69°F Jan (21°C)
84°F Jul (29°C)
| Annual Average | 77.5°F |
| 44% above US avg |
| January Average | 69°F (21°C) |
| July Average | 84°F (29°C) |
| Sunny Days | 330 days/yr |
Geography
| Elevation | 3 ft (1 m) |
| Area | 0.6 sq mi (1.6 km²) |
| Population Density | 1,258/sq mi |
| Coordinates | 24.7728°N, 80.9095°W |
| Timezone | America/New_York |
| County | Monroe County County |
| Nearest Airport | The Florida Keys Marathon International (MTH)
9 miles away |
Precipitation & Snow
Annual Rainfall
40.4"
6% above US avg
Wettest Month (Jun)
7.40"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 91.6 / 100 |
| Social Vulnerability | 53.9 / 100 |
| Community Resilience | 29.4 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Hurricane |
Relatively High |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
No Rating |
| Lightning |
Relatively High |
| Drought |
No Rating |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
| Coastal Flood |
Very High |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
21 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 5. Most recent: Rafael (2024, Cat 3).
| Year |
Name |
Category |
Closest |
| 2024 |
Rafael |
Category 3 |
294 km |
| 2022 |
Ian |
Category 5 |
201 km |
| 2020 |
Isaias |
Category 1 |
295 km |
| 2017 |
Irma |
Category 4 |
60 km |
| 2016 |
Matthew |
Category 4 |
273 km |
| 2005 |
Dennis |
Category 4 |
222 km |
| 2005 |
Wilma |
Category 3 |
148 km |
| 2005 |
Rita |
Category 3 |
109 km |
| 2005 |
Katrina |
Category 2 |
80 km |
| 2004 |
Charley |
Category 4 |
187 km |
| 2004 |
Jeanne |
Category 3 |
279 km |
| 2004 |
Frances |
Category 2 |
279 km |
| 2001 |
Michelle |
Category 4 |
223 km |
| 1999 |
Irene |
Category 1 |
52 km |
| 1998 |
Georges |
Category 2 |
90 km |
| 1996 |
Lili |
Category 2 |
264 km |
| 1995 |
Erin |
Category 1 |
298 km |
| 1992 |
Andrew |
Category 5 |
97 km |
| 1987 |
Floyd |
Category 1 |
55 km |
| 1985 |
Kate |
Category 2 |
202 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
106 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2. Total: 80 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 26, 2005 |
EF2 |
19 km |
0 |
| Nov 4, 1998 |
EF2 |
58 km |
0 |
| Apr 27, 1980 |
EF2 |
53 km |
0 |
| Dec 20, 1973 |
EF2 |
87 km |
0 |
| Jun 18, 1972 |
EF2 |
80 km |
0 |
| Jun 18, 1972 |
EF2 |
93 km |
0 |
| Jun 2, 1966 |
EF2 |
91 km |
0 |
| Oct 9, 2024 |
EF1 |
83 km |
0 |
| Oct 8, 2024 |
EF1 |
94 km |
0 |
| Apr 15, 2018 |
EF1 |
43 km |
0 |
| Sep 10, 2008 |
EF1 |
20 km |
0 |
| Jan 2, 2002 |
EF1 |
83 km |
0 |
| Oct 15, 1999 |
EF1 |
16 km |
0 |
| Nov 4, 1998 |
EF1 |
33 km |
0 |
| Feb 2, 1998 |
EF1 |
19 km |
0 |
| May 22, 1997 |
EF1 |
74 km |
0 |
| Oct 11, 1987 |
EF1 |
58 km |
0 |
| Jun 21, 1986 |
EF1 |
44 km |
0 |
| Jun 20, 1983 |
EF1 |
68 km |
0 |
| Jun 3, 1982 |
EF1 |
90 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: INGRAHAM (85,437 ac, 1989).
| Year |
Name |
Acres |
Distance |
| 1989 |
INGRAHAM |
85,437 |
80 km |
| 2008 |
MUSTANG CORNER |
38,600 |
96 km |
| 2018 |
FY 18 COASTAL PRAIRIES |
18,844 |
76 km |
| 2018 |
FY 18 RIVER OF GRASS NE |
16,282 |
97 km |
| 2021 |
FOUR SIXTEEN |
9,675 |
87 km |
| 2001 |
LOPEZ |
8,777 |
86 km |
| 1985 |
EASTBNDY |
8,523 |
80 km |
| 2021 |
CP3 |
8,143 |
52 km |
| 2011 |
CAPE SABLE RX |
7,311 |
52 km |
| 2020 |
HID-BUFFER RX |
6,381 |
68 km |
| 1989 |
UNNAMED |
6,215 |
65 km |
| 2009 |
HELLS BAY |
5,489 |
50 km |
| 2024 |
EVER CP3 EXOTICS RX |
5,485 |
50 km |
| 1986 |
UNNAMED |
5,417 |
86 km |
| 2008 |
CAPE SABLE RX |
5,335 |
52 km |
| 2005 |
LYGODIUM LAKE |
5,211 |
78 km |
| 2001 |
SQUAWKCRK2 |
4,702 |
71 km |
| 2021 |
COASTAL PRAIRIE 1 EXOTICS |
4,549 |
97 km |
| 2005 |
BIG LOSTMANS RX |
4,175 |
91 km |
| 2008 |
CANE PATCH RX |
3,766 |
73 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
69°F (21°C) |
1.9 in |
Coldest |
| February |
70°F (21°C) |
1.7 in |
|
| March |
73°F (23°C) |
1.6 in |
Driest |
| April |
76°F (24°C) |
1.9 in |
|
| May |
80°F (26°C) |
4.9 in |
|
| June |
83°F (28°C) |
7.4 in |
Wettest |
| July |
84°F (29°C) |
3.9 in |
Warmest |
| August |
84°F (29°C) |
5.8 in |
|
| September |
83°F (28°C) |
6.8 in |
|
| October |
80°F (27°C) |
5.0 in |
|
| November |
75°F (24°C) |
2.2 in |
|
| December |
71°F (22°C) |
1.7 in |
|
Duck Key has a seasonal temperature swing of 15°F / from 69°F in January to 84°F in July. Total annual precipitation is 44.7 inches, with June being the wettest month (7.4") and March the driest (1.6").
Average costs for common services in Duck 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
Childcare
| Center-Based (monthly) |
| Infant | $866 |
| Toddler | $779 |
| Preschool | $758 |
| Family Childcare (monthly) |
| Infant | $650 |
| Toddler | $650 |
| Preschool | $650 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Duck Key
What is the population of Duck Key?
Duck Key has a population of 755 residents and is located in Florida. The population density is 1,258 people per square mile, spread across 0.6 square miles. The median age of residents is 63.6 years, which is older than the national median of 38.9 years. The population is 40% female and 60% male.
Is Duck Key expensive to live in?
Duck 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 $135,000, 80% above the national average of $75,149. The median home value is $989,900 (251% above the U.S. median). Renters pay a median of $3,501 per month, above the national average of $1,163. The home price-to-income ratio is 7.3x, which means housing is a stretch relative to local earnings.
Is Duck Key safe?
Duck Key is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,423 per 100,000 (below the national average). Overall, Duck Key receives a safety grade of C+ based on combined crime data.
What is the weather like in Duck Key?
Duck Key has a warm climate with an average annual temperature of 78°F (25°C). Winter temperatures average 69°F in January, while summers reach an average of 84°F in July. The area receives 330 sunny days per year, well above the national average of 205. Annual rainfall totals 40.4 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Duck Key?
The job market in Duck Key is very strong, with unemployment at just 1.4% / well below the national rate of 3.6%. The average weekly wage is $1,129. There are 5,008 business establishments in the area, including 591 restaurants and food service locations. The average commute time is 16 minutes, and 16.1% of workers work from home.
How much does housing cost in Duck Key?
The median home value in Duck Key is $989,900. Zillow estimates the typical home value at $864,975. For renters, the median monthly rent is $3,501. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 83.7%. The average annual property tax is $13,392.
How are the schools in Duck Key?
Schools in Duck Key score 6 out of 10 on standardized testing, near the national average. 48.8% of adults in Duck Key hold a bachelor's degree or higher, above the national average of 33.7%. 90.1% have completed high school. 28.7% hold a graduate or professional degree.
How healthy is Duck Key?
The obesity rate in Duck Key is 23.9% (below the national rate of 32.1%). 10.9% of adults are smokers. 18.5% are physically inactive. 18.1% of residents report depression. 10.9% lack health insurance (above the national rate). 79.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,522.
What is transportation like in Duck Key?
The average commute in Duck Key is 16 minutes, shorter than the national average of 28 minutes. 59.1% of workers drive alone to work, and 16.1% work from home.
What are the demographics of Duck Key?
The racial and ethnic makeup of Duck Key is 88.6% White, 6.8% Black or African American, 1.1% Hispanic or Latino. 85.5% of residents speak only English at home, while 14.5% speak Spanish. 18.2% of the population are military veterans. 13.8% of residents have a disability. 80.4% have health insurance coverage.
All Countries
