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
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 33037 (Key Largo, FL) rose +7.2% from 2023 to 2024. The all-transactions index moved from 426.9 in 2023 to 457.6 in 2024 (2000 = 100).
ZIP code 33037 is a mid-sized community (a standard USPS delivery area) in Key Largo, Monroe County, Florida, home to 11,612 residents across 87.6 square miles, a density of 133 people per square mile, in the New York time zone.
ZIP 33037 lands in the middle-income range, with a median household income of $86,533 (12% above the average Florida ZIP), while per-capita income is $64,917. The poverty rate is 12.0%, with unemployment at 3.7%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $683,000 (82% above the average Florida ZIP), while 79.2% of occupied homes are owner-occupied and median rent is $1,899.
A solid share of residents have a four-year degree: 41.7% of adults hold a bachelor's degree or higher, the median age is 53.2, and the average commute is 26 minutes. No nearby ZIP peer set is available for this delivery area, so the Florida and national benchmarks above are the appropriate context for 33037.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 33037
Top 5 sectors by establishment count in Key Largo, FL
Which industries have the most business establishments in ZIP 33037.
- Retail trade
Retail trade
100 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
90 establishments
- Accommodation and food services
Accommodation and food services
90 establishments
- Construction
Construction
82 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
80 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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
Who lives in ZIP 33037?
53.2
Median Age
50.4%
Male
49.6%
Female
21.0%
Foreign-Born
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 ZIP avg
$64,917
Per Capita Income
12.0%
Poverty Rate
3.7%
Unemployment Rate
25.8 min
Mean Commute Time
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
10,568housing units
10,568
Total Housing Units
6,083
Occupied Units
4,485
Vacant Units
2.41
Avg Household Size
Occupancy Type
$683,000
Median Home Value
+82% vs state ZIP avg
$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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 33037, both outside FL so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (11,612 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.