Median Income
$146,389
95% higher than US avg
Home Value
$1,858,300
559% higher than US avg
Violent Crime
2,772/100K
629% higher than US avg
Bachelor's+
59.4%
76% higher than US avg
Obesity Rate
25.8%
20% lower than US avg
Unemployment
2.0%
44% lower than US avg
Poverty Rate
30.3%
144% higher than US avg
How North Key Largo Compares to the U.S. Average (100% = U.S. avg)
People
Population1,630
Median Age69.4 yrs
Density88/mi²
Male / Female53% / 47%
Largest GroupWhite 85%
Veterans16.2%
Economy
B+
Median Income$146,389
Per Capita$143,682
Unemployment2.0%
Poverty30.3%
County GDP$260,837M
Commute24 min
Housing
F
Home Value$1,858,300
Ownership95.7%
Zillow$1,052,735
Housing Units1,858
Rent Burden37.3%
Crime
F
Violent2,772/100K
Property9,039/100K
Health
Obesity25.8%
Uninsured12.0%
Smoking13.3%
Depression20.2%
Heart Disease5.6%
Climate
Avg Temp78°F (25°C)
AQI41 (Good)
Rain57.0 in/yr
Sunny Days330/yr
Elevation13 ft (4 m)
Education
A+
Bachelor's+59.4%
High School+99.5%
Graduate+26.8%
School Score5.70
Community
2024 VoteR 55% / D 44%
Commute24 min
Broadband71.1%
EV Stations1
Libraries63
Is North Key Largo a Good Place to Live?
Based on current data, North Key Largo receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include above-average household incomes, low unemployment, a highly educated population, abundant sunshine. Areas to be aware of include elevated crime rates, high housing costs, an elevated poverty rate. North Key Largo has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in North Key Largo is $146,389, which is significantly higher than the national average / 95% above $75,149. This places North Key Largo among higher-income communities. The job market is very strong with unemployment at just 2.0%. The poverty rate of 30.3% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in North Key Largo is $1,858,300, making it a premium housing market at 559% above the U.S. median of $281,900. With a home price-to-income ratio of 12.7x, housing affordability is a significant challenge for many families.
Safety & Crime
With 2,772 violent crimes per 100,000 residents, public safety is a notable concern / this is significantly above the national average of 380. Property crime occurs at a rate of 9,039 per 100,000, 361% above the national average.
Education
North Key Largo is a highly educated community / 59.4% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 99.5% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
North Key Largo 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 57.0 inches. Air quality is rated Good with a median AQI of 41.
North Key Largo has a population of 1,630 with a density of 88 people per square mile, spread across 19.6 square miles. The median age is 69.4 years, 78% older than the national median of 38.9. The gender split is 46.6% female and 53.4% male. The city is predominantly White (85%), with 10.8% Black. English is the primary language spoken at home by 95.5% of residents. 16.2% of the population are veterans, above the national rate of 6.0%. 16.9% of residents have a disability (above the 13.0% national average). 94.2% have health insurance coverage.
Population
69.4yrs
Median Age
78% above US avg
Race & Ethnicity
North Key Largo vs U.S. Average
Language Spoken at Home
English Only
95.5%
22% above US avg
Spanish
4.5%
66% below US avg
Social Characteristics
North Key Largo vs U.S. Average
The median household income in North Key Largo is $146,389, which is 95% above the national average of $75,149. Per capita income is $143,682 (above the $39,052 national figure). The average weekly wage is $1,492. The unemployment rate is 2.0% (below the 3.6% US average). 30.3% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 123,309 business establishments, including 6,356 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 24 minutes. 28.2% of workers work from home (above the 15.2% national rate).
Income: North Key Largo vs U.S.
Income
| Median HH Income | $146,389 |
| 95% above US avg |
| Per Capita Income | $143,682 |
| Avg Weekly Wage | $1,492 |
| IRS Avg AGI | $111,222 |
| Gini Index | 0.516 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.0% |
| 44% below US avg |
| Poverty Rate | 30.3% |
| 144% above US avg |
| Establishments (County) | 123,309 |
| County GDP | $260,837M |
Business (County)
| Restaurants | 6,356 |
| Healthcare | 11,061 |
| Retail | 10,749 |
| Manufacturing | 2,137 |
Tax & Cost of Living
| Property Tax (IRS) | $12,130 |
| 247% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 0.65% |
Commute & Transportation
| Commute Time | 24.2 min |
| Drive Alone | 19.1% |
| Public Transit | 3.6% |
| Work from Home | 28.2% |
The median home value in North Key Largo is $1,858,300, 559% above the national median of $281,900. Zillow estimates the typical home value at $1,052,735, lower than the Census estimate. Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 95.7% of housing units are owner-occupied (above the 65.4% national rate). There are 1,858 total housing units in the city. The median year a home was built is 1985. The average annual property tax is $12,130 (higher than the $3,500 national average). 37.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 12.7x, making homeownership a significant financial stretch for most families.
Home Values
| Census Median | $1,858,300 |
| 559% above US avg |
| Zillow ZHVI | $1,052,735 |
Real Estate Market (Redfin)
Rental Costs
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 | 95.7% |
| Owner-Occupied | 95.7% |
| Renter-Occupied | 4.3% |
| Housing Units | 1,858 |
| Median Year Built | 1985 |
Property Tax
| Avg Tax (IRS) | $12,130 |
| 247% above US avg |
| Effective Rate | 0.65% |
In North Key Largo, 25.8% of adults are obese, below the national rate of 32.1%. 9.5% have diabetes. Heart disease affects 5.6% of residents. 30.2% have high blood pressure. 13.3% are current smokers. 18.9% report binge drinking. 22.2% are physically inactive. 20.2% report depression. 17.9% experience frequent mental distress. 12.0% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,208. The dentist ratio is 1:1,276. 98.5% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Health Metrics: North Key Largo vs U.S. Average (%)
Chronic Conditions
| Obesity | 25.8% |
| 20% below US avg |
| Diabetes | 9.5% |
| Heart Disease | 5.6% |
| High Blood Pressure | 30.2% |
| Asthma | 9.9% |
| COPD | 6.4% |
| Cancer | 8.0% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 13.3% |
| 5% below US avg |
| Binge Drinking | 18.9% |
| Physical Inactivity | 22.2% |
| Depression | 20.2% |
| Mental Distress | 17.9% |
| Physical Distress | 13.2% |
| Short Sleep | 34.8% |
Healthcare Access
| Insurance Rate | 94.2% |
| Uninsured | 12.0% |
| 40% above US avg |
| Primary Care | 1:1,208 |
| Dentists | 1:1,276 |
| Mental Health | 1:430 |
| Checkup Rate | 75.4% |
| Dental Visits | 59.9% |
| Premature Death | 6,314/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 98.5% |
| Healthcare Facilities | 11,061 |
North Key Largo has a violent crime rate of 2,772 per 100,000 residents, 629% above the national average of 380. Property crime stands at 9,039 per 100,000, 361% above the U.S. average. The county recorded 290 fatal traffic crashes. Overall, North Key Largo receives a safety grade of F.
Crime Rates: North Key Largo vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 2,771.8/100K |
| 629% above US avg |
| |
Property Crime
| Total Property | 9,039.3/100K |
| 361% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 290 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
North Key Largo 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 57.0 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 13 feet, near sea level.
Temperature
69°F Jan (21°C)
84°F Jul (29°C)
| Annual Average | 77.7°F |
| 44% above US avg |
| January Average | 69°F (21°C) |
| July Average | 84°F (29°C) |
| Sunny Days | 330 days/yr |
Geography
| Elevation | 13 ft (4 m) |
| Area | 19.6 sq mi (50.7 km²) |
| Population Density | 88/sq mi |
| Coordinates | 25.2608°N, 80.3216°W |
| Timezone | America/New_York |
| County | Miami-Dade County County |
| Nearest Airport | Miami International (MIA)
37 miles away |
Precipitation & Snow
Annual Rainfall
57.0"
50% above US avg
Wettest Month (Jun)
8.90"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0383 ppm |
| NO₂ (Nitrogen Dioxide) | 15.8 ppb |
| SO₂ (Sulfur Dioxide) | 0.18 ppb |
| CO (Carbon Monoxide) | 0.31 ppm |
| PM2.5 (Fine Particles) | 7.5 μg/m³ |
Natural Hazard Risk
| Overall Risk | Very High |
| Risk Score | 99.6 / 100 |
| Social Vulnerability | 75.9 / 100 |
| Community Resilience | 42.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very High |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively Moderate |
| Flood |
Very High |
| Hail |
Relatively High |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively High |
| Winter Weather |
No Rating |
| Lightning |
Very High |
| Drought |
Relatively Moderate |
| Cold Wave |
Very High |
| Landslide |
Very Low |
| Coastal Flood |
Very High |
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: Ian (2022, Cat 5).
| Year |
Name |
Category |
Closest |
| 2022 |
Ian |
Category 5 |
240 km |
| 2022 |
Nicole |
Category 1 |
233 km |
| 2020 |
Isaias |
Category 1 |
245 km |
| 2019 |
Dorian |
Category 5 |
250 km |
| 2017 |
Irma |
Category 4 |
130 km |
| 2016 |
Matthew |
Category 4 |
193 km |
| 2005 |
Wilma |
Category 3 |
125 km |
| 2005 |
Rita |
Category 3 |
174 km |
| 2005 |
Katrina |
Category 2 |
69 km |
| 2004 |
Charley |
Category 4 |
228 km |
| 2004 |
Jeanne |
Category 3 |
216 km |
| 2004 |
Frances |
Category 2 |
210 km |
| 2001 |
Michelle |
Category 2 |
225 km |
| 1999 |
Irene |
Category 1 |
73 km |
| 1998 |
Georges |
Category 2 |
169 km |
| 1995 |
Erin |
Category 1 |
225 km |
| 1992 |
Andrew |
Category 5 |
27 km |
| 1987 |
Floyd |
Category 1 |
25 km |
| 1985 |
Kate |
Category 2 |
274 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
285 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 1 fatality, 225 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Feb 23, 1965 |
EF3 |
95 km |
0 |
| Jun 17, 1959 |
EF3 |
52 km |
0 |
| Apr 10, 1956 |
EF3 |
83 km |
0 |
| Oct 18, 2011 |
EF2 |
96 km |
0 |
| Aug 26, 2005 |
EF2 |
99 km |
0 |
| Mar 27, 2003 |
EF2 |
58 km |
1 |
| Nov 4, 1998 |
EF2 |
24 km |
0 |
| Feb 2, 1998 |
EF2 |
60 km |
0 |
| Mar 17, 1983 |
EF2 |
94 km |
0 |
| May 24, 1979 |
EF2 |
95 km |
0 |
| Dec 20, 1973 |
EF2 |
20 km |
0 |
| Mar 4, 1972 |
EF2 |
97 km |
0 |
| Jun 22, 1971 |
EF2 |
60 km |
0 |
| Feb 19, 1968 |
EF2 |
74 km |
0 |
| Oct 14, 1964 |
EF2 |
91 km |
0 |
| May 26, 1961 |
EF2 |
93 km |
0 |
| Sep 22, 1954 |
EF2 |
86 km |
0 |
| Oct 9, 2024 |
EF1 |
28 km |
0 |
| Sep 27, 2022 |
EF1 |
82 km |
0 |
| May 24, 2020 |
EF1 |
37 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 |
51 km |
| 2011 |
PRAIRIE FIRE |
67,959 |
72 km |
| 1985 |
UNNAMED |
54,638 |
67 km |
| 2008 |
MUSTANG CORNER |
38,600 |
50 km |
| 2007 |
MFC SOUTH FIRE |
37,301 |
73 km |
| 2020 |
MOONFISH |
25,819 |
77 km |
| 2001 |
UNNAMED |
22,780 |
74 km |
| 2018 |
FY 18 COASTAL PRAIRIES |
18,844 |
73 km |
| 1989 |
DOF 305 |
17,106 |
56 km |
| 2018 |
FY 18 RIVER OF GRASS NE |
16,282 |
61 km |
| 2010 |
LOST PRAIRE RX |
13,549 |
86 km |
| 1991 |
PACESDIKE |
12,722 |
92 km |
| 1989 |
UNNAMED |
11,316 |
70 km |
| 2019 |
SOUTH 41 TREATMENT 2 FY19 (LOSTMANS RX) |
11,279 |
87 km |
| 2007 |
NE SLOUGH |
10,953 |
57 km |
| 2021 |
FOUR SIXTEEN |
9,675 |
18 km |
| 2011 |
AFTERNOON |
9,634 |
59 km |
| 2017 |
HOLIDAY |
8,858 |
84 km |
| 2001 |
LOPEZ |
8,777 |
42 km |
| 1985 |
EASTBNDY |
8,523 |
37 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
69°F (21°C) |
1.9 in |
|
| February |
68°F (20°C) |
1.8 in |
Coldest |
| March |
71°F (22°C) |
1.8 in |
|
| April |
74°F (24°C) |
2.4 in |
|
| May |
78°F (26°C) |
5.6 in |
|
| June |
81°F (27°C) |
8.9 in |
Wettest |
| July |
84°F (29°C) |
5.3 in |
Warmest |
| August |
83°F (28°C) |
7.0 in |
|
| September |
82°F (28°C) |
7.8 in |
|
| October |
79°F (26°C) |
6.0 in |
|
| November |
74°F (23°C) |
2.6 in |
|
| December |
70°F (21°C) |
1.3 in |
Driest |
North Key Largo has a seasonal temperature swing of 16°F / from 68°F in February to 84°F in July. Total annual precipitation is 52.3 inches, with June being the wettest month (8.9") and December the driest (1.3").
Average costs for common services in North Key Largo. 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 | $736 |
| Preschool | $671 |
| Family Childcare (monthly) |
| Infant | $650 |
| Toddler | $628 |
| Preschool | $606 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About North Key Largo
What is the population of North Key Largo?
North Key Largo has a population of 1,630 residents and is located in Florida. The population density is 88 people per square mile, spread across 19.6 square miles. The median age of residents is 69.4 years, which is older than the national median of 38.9 years. The population is 46.6% female and 53.4% male.
Is North Key Largo expensive to live in?
North Key Largo 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 $146,389, 95% above the national average of $75,149. The median home value is $1,858,300 (559% above the U.S. median). The home price-to-income ratio is 12.7x, which means housing is a stretch relative to local earnings.
Is North Key Largo safe?
Public safety is a concern in North Key Largo, with a violent crime rate of 2,772 per 100,000 / significantly above the national average of 380. However, crime tends to concentrate in certain areas, and many neighborhoods remain relatively safe. Property crime occurs at a rate of 9,039 per 100,000 (above the national average). Overall, North Key Largo receives a safety grade of F based on combined crime data.
What is the weather like in North Key Largo?
North Key Largo 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 57.0 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in North Key Largo?
The job market in North Key Largo is very strong, with unemployment at just 2.0% / well below the national rate of 3.6%. The average weekly wage is $1,492. There are 123,309 business establishments in the area, including 6,356 restaurants and food service locations. The average commute time is 24 minutes, and 28.2% of workers work from home.
How much does housing cost in North Key Largo?
The median home value in North Key Largo is $1,858,300. Zillow estimates the typical home value at $1,052,735. The homeownership rate is 95.7%. The average annual property tax is $12,130.
How are the schools in North Key Largo?
Schools in North Key Largo score 5.7 out of 10 on standardized testing, near the national average. 59.4% of adults in North Key Largo hold a bachelor's degree or higher, above the national average of 33.7%. 99.5% have completed high school. 26.8% hold a graduate or professional degree.
How healthy is North Key Largo?
The obesity rate in North Key Largo is 25.8% (below the national rate of 32.1%). 13.3% of adults are smokers. 22.2% are physically inactive. 20.2% of residents report depression. 12.0% lack health insurance (above the national rate). 98.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,208.
What is transportation like in North Key Largo?
The average commute in North Key Largo is 24 minutes, shorter than the national average of 28 minutes. 19.1% of workers drive alone to work, 3.6% use public transit, and 28.2% work from home.
What are the demographics of North Key Largo?
The racial and ethnic makeup of North Key Largo is 85% White, 10.8% Black or African American. 95.5% of residents speak only English at home, while 4.5% speak Spanish. 16.2% of the population are military veterans. 16.9% of residents have a disability. 94.2% have health insurance coverage.
All Countries
