PlainZIP

Key Largo, FL · standard

ZIP Code 33037

Monroe County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

11,612
133/sq mi
$86,533
Median income
$683,000
Median home value
41.7%
Bachelor's or higher

The verdict

Key Largo pairs an above-median household income with top-decile home values, in a rural, homeowner-dominated area.

Top 30%
household income, US ZIPs
Top 7%
home value, US ZIPs
133
people per sq mi
79%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 33037 against every reporting US ZIP.

ZIP code 33037 is classified by USPS as a standard delivery area and covers roughly 87.6 square miles in Key Largo, Monroe County, Florida. The area is home to 11,612 residents, producing a population density of 133 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 33037 against Florida and the nation.

On the economic side, the median household income for ZIP 33037 sits at $86,533 (12% above the Florida average), while per-capita income is $64,917. The poverty rate stands at 12.0% and the unemployment rate at 3.7%. On housing, the median home value is $683,000 (82% above the state average) with median rent at $1,899 per month, and 79.2% of occupied units are owner-occupied, a direct signal of whether 33037 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 41.7% of adults hold a bachelor's degree or higher, the median age is 53.2, and the average commute is 26 minutes. Use the benchmarks above to see where 33037 sits relative to Florida and the national baseline rather than viewing the numbers in isolation. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 33037

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 33037.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 33037, Key Largo, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

11,612

Population

87.6

Area (sq mi)

133

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 33037?

53.2

Median Age

50.4%

Male

49.6%

Female

21.0%

Foreign-Born

White 69.8%
African American 3.4%
Asian 0.2%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 18.4%
Hispanic or Latino 29.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$86,533

Median Household Income

+12% vs state

$64,917

Per Capita Income

12.0%

Poverty Rate

3.7%

Unemployment Rate

25.8 min

Mean Commute Time

How ZIP 33037 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$86,533 Top 30% higher than 70% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 69.2%
Bachelor's Degree or Higher 41.7%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

10,568

Total Housing Units

6,083

Occupied Units

4,485

Vacant Units

2.41

Avg Household Size

Occupancy Type

Owner 79.2%
Renter 20.8%

$683,000

Median Home Value

+82% vs state

$1,899

Median Rent

1983

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+7.2%

YoY Change (2024)

458

HPI Index (2000 = 100)

+358%

Total Change Since 2000

Home values in ZIP 33037 have increased 7.2% over the past year (2024). Since 2000, this ZIP has seen +358% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.8% 273
2021 +16.4% 318
2022 +27.0% 403
2023 +5.8% 427
2024 +7.2% 458

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 689 business establishments in ZIP 33037, employing approximately 6,908 people with a combined annual payroll of $335,360,000.

689

Businesses

6,908

Employees

$335.4M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 100 14.5%
Real estate and rental and leasing 90 13.1%
Accommodation and food services 90 13.1%
Construction 82 11.9%
Professional, scientific, and technical services 80 11.6%
Other services (except public administration) 60 8.7%
Health care and social assistance 41 6.0%
Administrative and support and waste management and remediation services 32 4.6%
Finance and insurance 29 4.2%
Transportation and warehousing 26 3.8%
Arts, entertainment, and recreation 23 3.3%
Manufacturing 12 1.7%
Wholesale trade 10 1.4%
Information 6 0.9%
Educational services 4 0.6%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

More ZIP Codes in Monroe County

33040 standard
Key West, FL
Pop: 32,891
33050 standard
Marathon, FL
Pop: 8,922
33042 standard
Summerland Key, FL
Pop: 5,829
33070 standard
Tavernier, FL
Pop: 5,344
33043 standard
Big Pine Key, FL
Pop: 4,313
33036 standard
Islamorada, FL
Pop: 3,035

Related Areas

Monroe County Key Largo, FL Florida

Frequently Asked Questions

What county is ZIP code 33037 in? ▼
ZIP code 33037 (Key Largo) is located in Monroe County, Florida. Monroe County contains multiple ZIP codes, see the full list at /counties/monroe-fl.
What is the population of ZIP code 33037? ▼
ZIP code 33037 in Key Largo, FL has a population of 11,612 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 33037? ▼
The median household income in ZIP 33037 is $86,533, which is 13% above the national average of $76,288.
What is the average home value in ZIP 33037? ▼
The median home value in ZIP 33037 is $683,000, which is 146% above the national average of $278,155.
What is the demographic makeup of ZIP 33037? ▼
The largest racial group in ZIP 33037 is White at 69.8%. Hispanic or Latino residents make up 29.0% of the population.
How many businesses are in ZIP code 33037? ▼
ZIP code 33037 has 689 business establishments employing approximately 6,908 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 33037? ▼
The top industries by establishment count in ZIP 33037 are: Retail trade (100), Real estate and rental and leasing (90), Accommodation and food services (90). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 33037? ▼
According to the FHFA House Price Index, home values in ZIP 33037 increased by 7.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 358%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 33037? ▼
In ZIP code 33037, 69.2% of residents aged 25+ have a high school diploma or higher, and 41.7% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 33037? ▼
The mean commute time for workers in ZIP code 33037 is 25.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 33037? ▼
In ZIP code 33037, approximately 79.2% of occupied housing units are owner-occupied and 20.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 33037? ▼
The poverty rate in ZIP code 33037 is 12.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Key Largo, FL

Verify and explore additional data for this area using these official government sources.

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.