Summerland Key, FL · standard
ZIP Code 33042
Monroe County, Florida - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 5,829
- 88/sq mi
- $103,041
- Median income
- $856,500
- Median home value
- 46.7%
- Bachelor's or higher
National ZIP placement
Summerland Key pairs an upper-quartile household income with top-decile home values, in a rural, homeowner-dominated area.
- Top 17%
- household income, US ZIPs
- Top 4%
- home value, US ZIPs
- 88
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 33042 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 33042 (Summerland Key, FL) fell -2.3% from 2023 to 2024. The all-transactions index moved from 361.4 in 2023 to 353.0 in 2024 (2000 = 100).
ZIP code 33042 is a mid-sized community (a standard USPS delivery area) in Summerland Key, Monroe County, Florida, home to 5,829 residents across 66.1 square miles, a density of 88 people per square mile, in the New York time zone.
ZIP 33042 lands in the middle-income range, with a median household income of $103,041 (34% above the average Florida ZIP), while per-capita income is $63,808. The poverty rate is 8.4%, with unemployment at 3.0%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $856,500 (128% above the average Florida ZIP), while 82.7% of occupied homes are owner-occupied and median rent is $2,271.
A solid share of residents have a four-year degree: 46.7% of adults hold a bachelor's degree or higher, the median age is 52.5, and the average commute is 30 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 6 more in Monroe County, so 33042 can be compared with both its immediate and county-level context.
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 33042
Top 5 sectors by establishment count in Summerland Key, FL
Which industries have the most business establishments in ZIP 33042.
- Construction
Construction
36 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
34 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
28 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
17 establishments
- Accommodation and food services
Accommodation and food services
17 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 33042, Summerland Key, 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
5,829
Population
66.1
Area (sq mi)
88
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 33042?
52.5
Median Age
52.2%
Male
47.8%
Female
9.3%
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?
$103,041
Median Household Income
+34% vs state ZIP avg
$63,808
Per Capita Income
8.4%
Poverty Rate
3.0%
Unemployment Rate
29.6 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
4,757housing units
4,757
Total Housing Units
2,820
Occupied Units
1,937
Vacant Units
2.28
Avg Household Size
Occupancy Type
$856,500
Median Home Value
+128% vs state ZIP avg
$2,271
Median Rent
1990
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
-2.3%
YoY Change (2024)
353
HPI Index (2000 = 100)
+253%
Total Change Since 2000
Home values in ZIP 33042 have decreased 2.3% over the past year (2024). Since 2000, this ZIP has seen +253% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -0.3% | 228 |
| 2021 | +15.3% | 263 |
| 2022 | +27.4% | 335 |
| 2023 | +7.9% | 361 |
| 2024 | -2.3% | 353 |
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 215 business establishments in ZIP 33042, employing approximately 1,259 people with a combined annual payroll of $59,299,000.
215
Businesses
1,259
Employees
$59.3M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 36 | 16.7% |
| Professional, scientific, and technical services | 34 | 15.8% |
| Real estate and rental and leasing | 28 | 13.0% |
| Administrative and support and waste management and remediation services | 17 | 7.9% |
| Accommodation and food services | 17 | 7.9% |
| Retail trade | 15 | 7.0% |
| Other services (except public administration) | 15 | 7.0% |
| Transportation and warehousing | 11 | 5.1% |
| Arts, entertainment, and recreation | 9 | 4.2% |
| Wholesale trade | 7 | 3.3% |
| Finance and insurance | 6 | 2.8% |
| Health care and social assistance | 6 | 2.8% |
| Manufacturing | 4 | 1.9% |
| Information | 4 | 1.9% |
| Educational services | 4 | 1.9% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 33042 vs 33043 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 33043 | Big Pine Key, FL | 4,313 | 9.2 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 33042, 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 (5,829 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.