Median Income
$67,005
11% lower than US avg
Home Value
$513,300
82% higher than US avg
Violent Crime
788/100K
107% higher than US avg
Bachelor's+
25.0%
26% lower than US avg
Median Rent
$2,009
73% higher than US avg
Obesity Rate
27.9%
13% lower than US avg
Unemployment
1.2%
67% lower than US avg
Poverty Rate
14.7%
19% higher than US avg
How Stock Island Compares to the U.S. Average (100% = U.S. avg)
People
Population4,724
Median Age35.2 yrs
Density5,624/mi²
Male / Female48% / 53%
Largest GroupWhite 35%
Veterans3.8%
Economy
B+
Median Income$67,005
Per Capita$30,575
Unemployment1.2%
Poverty14.7%
County GDP$8,350M
Commute14 min
Housing
C
Home Value$513,300
Rent$2,009
Ownership28.0%
Zillow$644,309
Housing Units1,866
Rent Burden41.1%
Crime
F
Violent788/100K
Property5,102/100K
Health
Obesity27.9%
Uninsured20.5%
Smoking13.1%
Depression16.0%
Heart Disease5.6%
Climate
Avg Temp79°F (26°C)
AQI41 (Good)
Rain40.4 in/yr
Sunny Days330/yr
Elevation1 ft (0 m)
Education
B
Bachelor's+25.0%
High School+82.7%
Graduate+5.4%
School Score6.00
Community
2024 VoteR 59% / D 40%
Commute14 min
Broadband70.1%
EV Stations22
Libraries5
Is Stock Island a Good Place to Live?
Based on current data, Stock Island receives an overall livability score of 2.6 out of 5.0, earning a grade of C+. Key strengths include low unemployment, abundant sunshine. Areas to be aware of include elevated crime rates, high housing costs, a high uninsured rate. Stock Island has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Stock Island is $67,005, 11% below the national average of $75,149. The job market is very strong with unemployment at just 1.2%. 14.7% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 14 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Stock Island is $513,300, making it a premium housing market at 82% above the U.S. median of $281,900. Renters pay a median of $2,009 per month, significantly above the national average of $1,163. With a home price-to-income ratio of 7.7x, housing affordability is a significant challenge for many families.
Safety & Crime
With 788 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 5,102 per 100,000, 160% above the national average.
Education
25.0% of residents hold a bachelor's degree, below the national average of 33.7%. 82.7% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
Stock Island has a warm climate with an average annual temperature of 79°F. Winters average 71°F in January while summers reach 85°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.
Stock Island has a population of 4,724 with a density of 5,624 people per square mile, spread across 0.8 square miles. The median age is 35.2 years, 10% younger than the national median of 38.9. The gender split is 52.5% female and 47.5% male. The city is predominantly White (34.9%), with 34.8% Black. English is the primary language spoken at home by 56.2% of residents, while 43.8% speak Spanish. 3.8% of the population are veterans, below the national rate of 6.0%. 12.6% of residents have a disability. 77.7% have health insurance coverage.
Population
35.2yrs
Median Age
10% below US avg
Race & Ethnicity
Stock Island vs U.S. Average
Language Spoken at Home
English Only
56.2%
28% below US avg
Spanish
43.8%
227% above US avg
Social Characteristics
Stock Island vs U.S. Average
The median household income in Stock Island is $67,005, which is 11% below the national average of $75,149. Per capita income is $30,575 (below the $39,052 national figure). The average weekly wage is $1,129, 21% lower than the U.S. average. The unemployment rate is 1.2% (below the 3.6% US average). 14.7% of residents live below the poverty line, higher 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 14 minutes (shorter than the 28-minute US average). 3.7% of workers work from home (below the 15.2% national rate).
Income: Stock Island vs U.S.
Income
| Median HH Income | $67,005 |
| 11% below US avg |
| Per Capita Income | $30,575 |
| Avg Weekly Wage | $1,129 |
| IRS Avg AGI | $190,259 |
| Gini Index | 0.517 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.2% |
| 67% below US avg |
| Poverty Rate | 14.7% |
| 19% above 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 | 2.61% |
Commute & Transportation
| Commute Time | 14.1 min |
| Drive Alone | 68.4% |
| Public Transit | 0.0% |
| Work from Home | 3.7% |
The median home value in Stock Island is $513,300, 82% above the national median of $281,900. Zillow estimates the typical home value at $644,309, higher than the Census estimate. Homes sell for 98.1% of their list price. Monthly rent averages $2,009 (73% 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. 28.0% of housing units are owner-occupied (below the 65.4% national rate). There are 1,866 total housing units in the city. The median year a home was built is 1980. The average annual property tax is $13,392 (higher than the $3,500 national average). 41.1% 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 7.7x, making homeownership a significant financial stretch for most families.
Home Values
| Census Median | $513,300 |
| 82% above US avg |
| Zillow ZHVI | $644,309 |
| Median List Price | $799,000 |
Real Estate Market (Redfin)
| Median List Price | $799,000 |
| $/Sq Ft | $686 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 98.1% |
| Price Drops | 20.0% |
| Inventory | 10 |
Rental Costs
| Census Median Rent | $2,009 |
| 73% above US avg |
| Rent Burden | 41.1% |
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 | 28.0% |
| Owner-Occupied | 28.0% |
| Renter-Occupied | 72.0% |
| Housing Units | 1,866 |
| Median Year Built | 1980 |
Property Tax
| Avg Tax (IRS) | $13,392 |
| 283% above US avg |
| Effective Rate | 2.61% |
In Stock Island, 27.9% of adults are obese, below the national rate of 32.1%. 11.7% have diabetes. Heart disease affects 5.6% of residents. 31.9% have high blood pressure. 13.1% are current smokers. 18.0% report binge drinking. 26.6% are physically inactive. 16.0% report depression (below the 20.0% national average). 16.7% experience frequent mental distress. 20.5% 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: Stock Island vs U.S. Average (%)
Chronic Conditions
| Obesity | 27.9% |
| 13% below US avg |
| Diabetes | 11.7% |
| Heart Disease | 5.6% |
| High Blood Pressure | 31.9% |
| Asthma | 9.2% |
| COPD | 5.5% |
| Cancer | 6.2% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 13.1% |
| 6% below US avg |
| Binge Drinking | 18.0% |
| Physical Inactivity | 26.6% |
| Depression | 16.0% |
| Mental Distress | 16.7% |
| Physical Distress | 13.7% |
| Short Sleep | 38.4% |
Healthcare Access
| Insurance Rate | 77.7% |
| Uninsured | 20.5% |
| 138% above US avg |
| Primary Care | 1:1,522 |
| Dentists | 1:1,602 |
| Mental Health | 1:386 |
| Checkup Rate | 74.9% |
| Dental Visits | 51.3% |
| Premature Death | 7,731/100K |
Food & Exercise
| Food Environment | 7.9/10 |
| Exercise Access | 79.7% |
| Healthcare Facilities | 238 |
Stock Island has a violent crime rate of 788 per 100,000 residents, 107% above the national average of 380. Property crime stands at 5,102 per 100,000, 160% above the U.S. average. The county recorded 12 fatal traffic crashes. Overall, Stock Island receives a safety grade of F.
Crime Rates: Stock Island vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 787.7/100K |
| 107% above US avg |
| |
Property Crime
| Total Property | 5,102.4/100K |
| 160% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 12 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Stock Island has a warm climate with an average annual temperature of 79°F (26°C). Winters average 71°F in January while summers reach 85°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 1 feet, near sea level.
Temperature
71°F Jan (21°C)
85°F Jul (30°C)
| Annual Average | 78.9°F |
| 46% above US avg |
| January Average | 71°F (21°C) |
| July Average | 85°F (30°C) |
| Sunny Days | 330 days/yr |
Geography
| Elevation | 1 ft (0 m) |
| Area | 0.8 sq mi (2.2 km²) |
| Population Density | 5,624/sq mi |
| Coordinates | 24.5640°N, 81.7398°W |
| Timezone | America/New_York |
| County | Monroe County County |
| Nearest Airport | Key West International (EYW)
1 miles away |
Precipitation & Snow
Annual Rainfall
40.4"
6% above US avg
Wettest Month (Sep)
5.67"
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
22 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 |
296 km |
| 2024 |
Rafael |
Category 3 |
220 km |
| 2022 |
Ian |
Category 5 |
117 km |
| 2021 |
Ida |
Category 1 |
283 km |
| 2021 |
Elsa |
Category 1 |
270 km |
| 2020 |
Eta |
Category 1 |
257 km |
| 2017 |
Irma |
Category 4 |
25 km |
| 2008 |
Gustav |
Category 4 |
274 km |
| 2008 |
Ike |
Category 1 |
248 km |
| 2005 |
Rita |
Category 4 |
75 km |
| 2005 |
Dennis |
Category 4 |
151 km |
| 2005 |
Katrina |
Category 3 |
65 km |
| 2005 |
Wilma |
Category 3 |
128 km |
| 2004 |
Charley |
Category 4 |
119 km |
| 2001 |
Michelle |
Category 4 |
260 km |
| 1999 |
Irene |
Category 1 |
15 km |
| 1998 |
Georges |
Category 2 |
9 km |
| 1996 |
Lili |
Category 2 |
242 km |
| 1992 |
Andrew |
Category 5 |
127 km |
| 1987 |
Floyd |
Category 1 |
29 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
53 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2. Total: 51 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Aug 26, 2005 |
EF2 |
68 km |
0 |
| Apr 27, 1980 |
EF2 |
34 km |
0 |
| Jun 18, 1972 |
EF2 |
6 km |
0 |
| Jun 18, 1972 |
EF2 |
9 km |
0 |
| Jun 2, 1966 |
EF2 |
4 km |
0 |
| Oct 8, 2024 |
EF1 |
7 km |
0 |
| Feb 2, 1998 |
EF1 |
68 km |
0 |
| Jun 20, 1983 |
EF1 |
20 km |
0 |
| Jun 3, 1982 |
EF1 |
3 km |
0 |
| Sep 9, 1972 |
EF1 |
10 km |
0 |
| Jun 18, 1972 |
EF1 |
92 km |
0 |
| May 24, 1970 |
EF1 |
39 km |
0 |
| Sep 8, 1965 |
EF1 |
67 km |
0 |
| Mar 14, 1964 |
EF1 |
42 km |
0 |
| Jun 6, 1963 |
EF1 |
4 km |
0 |
| Jul 17, 1957 |
EF1 |
17 km |
0 |
| Jun 4, 1953 |
EF1 |
3 km |
0 |
| Mar 19, 2024 |
EF0 |
37 km |
0 |
| Feb 18, 2024 |
EF0 |
29 km |
0 |
| Nov 15, 2023 |
EF0 |
40 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
71°F (21°C) |
2.4 in |
|
| February |
70°F (21°C) |
1.6 in |
Coldest, Driest |
| March |
73°F (23°C) |
1.9 in |
|
| April |
76°F (25°C) |
2.0 in |
|
| May |
80°F (27°C) |
3.6 in |
|
| June |
83°F (28°C) |
5.4 in |
|
| July |
85°F (30°C) |
3.7 in |
Warmest |
| August |
84°F (29°C) |
5.5 in |
|
| September |
83°F (28°C) |
5.7 in |
Wettest |
| October |
80°F (27°C) |
4.5 in |
|
| November |
75°F (24°C) |
2.1 in |
|
| December |
71°F (22°C) |
2.1 in |
|
Stock Island has a seasonal temperature swing of 15°F / from 70°F in February to 85°F in July. Total annual precipitation is 40.4 inches, with September being the wettest month (5.7") and February the driest (1.6").
Average costs for common services in Stock Island. 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 Stock Island
What is the population of Stock Island?
Stock Island has a population of 4,724 residents and is located in Florida. The population density is 5,624 people per square mile, spread across 0.8 square miles. The median age of residents is 35.2 years, which is younger than the national median of 38.9 years. The population is 52.5% female and 47.5% male.
Is Stock Island expensive to live in?
Stock Island 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 $67,005, 11% below the national average of $75,149. The median home value is $513,300 (82% above the U.S. median). Renters pay a median of $2,009 per month, above the national average of $1,163. The home price-to-income ratio is 7.7x, which means housing is a stretch relative to local earnings.
Is Stock Island safe?
Public safety is a concern in Stock Island, with a violent crime rate of 788 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 5,102 per 100,000 (above the national average). Overall, Stock Island receives a safety grade of F based on combined crime data.
What is the weather like in Stock Island?
Stock Island has a warm climate with an average annual temperature of 79°F (26°C). Winter temperatures average 71°F in January, while summers reach an average of 85°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 Stock Island?
The job market in Stock Island is very strong, with unemployment at just 1.2% / 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 14 minutes, and 3.7% of workers work from home.
How much does housing cost in Stock Island?
The median home value in Stock Island is $513,300. Zillow estimates the typical home value at $644,309. For renters, the median monthly rent is $2,009. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 28.0%. The average annual property tax is $13,392.
How are the schools in Stock Island?
Schools in Stock Island score 6 out of 10 on standardized testing, near the national average. 25.0% of adults in Stock Island hold a bachelor's degree or higher, below the national average of 33.7%. 82.7% have completed high school. 5.4% hold a graduate or professional degree.
How healthy is Stock Island?
The obesity rate in Stock Island is 27.9% (below the national rate of 32.1%). 13.1% of adults are smokers. 26.6% are physically inactive. 16.0% of residents report depression. 20.5% 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 Stock Island?
The average commute in Stock Island is 14 minutes, shorter than the national average of 28 minutes. 68.4% of workers drive alone to work, and 3.7% work from home.
What are the demographics of Stock Island?
The racial and ethnic makeup of Stock Island is 34.9% White, 34.8% Black or African American, 0.6% Hispanic or Latino. 56.2% of residents speak only English at home, while 43.8% speak Spanish. 3.8% of the population are military veterans. 12.6% of residents have a disability. 77.7% have health insurance coverage.
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