Key Largo, FL

The affordability dashboard for Key Largo, FL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 11,612 residents, then layers in county-level federal data to produce an overall grade of D (49/100). The headline inputs are median household income of $86,533, median home value of $683,000, median rent of $1,899 per month, and 41.7% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $2,504 per month (studio $1,726, 1BR $2,211, 3BR $3,303, 4BR $3,315). Department of Labor data lists infant center-based childcare at $10,400 per year, consuming 12% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages, so the grade is genuinely comparable across any city in the country. Pressure points are housing, rent. Unemployment currently reads 3.7% and poverty 12.0% - numbers worth keeping alongside the headline grade.