ZIP 33040 vs ZIP 33037

This side-by-side compares ZIP 33040 (Key West, FL) and ZIP 33037 (Key Largo, FL) using the same Census ACS 5-Year table fields for both, no averages swapped in, no national proxies. ZIP 33040 has a population of 32,891 at 686 people per square mile, while ZIP 33037 has 11,612 at 133 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted, a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 33040 reports a median household income of $86,586 against $86,533 in ZIP 33037, with per-capita income of $57,545 vs $64,917. The share of adults holding a bachelor's degree or higher is 38.2% in 33040 and 41.7% in 33037. Poverty rate reads 10.0% vs 12.0%, and unemployment 2.6% vs 3.7% - these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $819,400 in 33040 versus $683,000 in 33037, with median rent of $2,167 and $1,899 per month respectively. Homeownership rate is 50.2% vs 79.2%. When reading the comparison table below, focus on paired metrics rather than single winners, a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.