The Town FilesKey Largo, Florida
Community in Monroe County · population 12,447 (2020 Census)
- Median home
- $643,900
- Household income
- $85,778
- Jan low / Jul high
- 63° / 90°
- Snow a year
- 0 in
- Tornadoes ≤10 mi since 1950
- 12
- Median age
- 49.6
Key Largo is a community of 12,447 people in Monroe County, Florida. The median home is worth $643,900, above the typical Florida town ($331,600). It ranks better for a vacation home than 94% of Florida towns, better for retirees than 91% of Florida towns, more seaside character than 88% of Florida towns.
How Key Largo ranks
Percentile among Florida towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Florida towns.
Homes and cost of living
The median home in Key Largo is worth $643,900, above the typical Florida town ($331,600). Homes cost about 7.5 times the median household income of $85,778, which is more affordable than 7% of Florida towns. Median rent is $1,887 a month. 76.2% of households own their home.
| Housing | Key Largo | Typical Florida town |
|---|---|---|
| Median home value | $643,900 | $331,600 |
| Median rent | $1,887 | $1,569 |
| Median household income | $85,778 | $71,140 |
| Home value ÷ income | 7.5× | 4.5× |
| Homeownership | 76.2% | 73.5% |
| Median year built | 1983 | 1985 |
| Seasonal / vacation homes | 31.6% | — |
Who lives in Key Largo
| People | Key Largo | Typical Florida town |
|---|---|---|
| Median age | 49.6 | 42.8 |
| Age 65 and over | 27.0% | 20.2% |
| Under 18 | 15.4% | — |
| Bachelor's degree or higher | 39.0% | 28.8% |
| Below the poverty line | 9.9% | 11.3% |
| Veterans | 9.6% | — |
| Born outside the U.S. | 22.6% | — |
| Work from home | 11.6% | 13.5% |
| Average commute | 26.4 min | 27.5 min |
| Homes with broadband | 91.2% | 92.4% |
Weather in Key Largo
July highs average 89.8°F and January lows 62.6°F. About 56.9 inches of rain and melted snow fall a year, with 0.0 inches of snow (typical Florida town: 0.0 in). Expect about 47 days a year at 90°F or hotter and 0 nights at or below freezing.
Tornadoes, storms and disasters
12 tornadoes have passed within 10 miles of Key Largo since 1950, compared with 35 for the typical Florida town. 1 rated (E)F2 or stronger. The strongest, an F2, struck on November 4, 1998 about 0.4 miles from the town center. The most recent was on May 9, 2022.
Hail of 1 inch or larger has been reported within 10 miles 2 times; the largest was 1.00 inches on March 1, 2026.
Severe weather in Monroe County since 1996
Monroe County has been included in 47 federal disaster or emergency declarations since 1953, most often for fire, tornado, freezing.
| Declared | Incident | Declaration |
|---|---|---|
| October 11, 2024 | Hurricane | DR-4834: Hurricane Milton |
| October 7, 2024 | Hurricane | EM-3622: Hurricane Milton |
| September 28, 2024 | Hurricane | DR-4828: Hurricane Helene |
| September 24, 2024 | Tropical Storm | EM-3615: Tropical Storm Helene |
| August 10, 2024 | Tropical Storm | DR-4806: Hurricane Debby |
Jobs and pay in Monroe County
Monroe County had 47,058 jobs in 2024, paying an average of $58,702 a year. Unemployment was 1.9% in 2023; in Key Largo itself the ACS puts it at 3.8%.
Public schools in Key Largo
2 public schools with 939 students, about 12.9 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| KEY LARGO SCHOOL | PK-8 | 759 | 13.3 |
| OCEAN STUDIES CHARTER (charter) | K-8 | 180 | 11.3 |
Towns near Key Largo
- Tavernier, FL8.6 mi · 2,530 people · home $613,700
- Islamorada, Village of Islands, FL12.6 mi · 7,107 people · home $919,600
- Florida City, FL22.5 mi · 13,085 people · home $399,200
- Homestead, FL23.8 mi · 80,737 people · home $380,000
- Leisure City, FL25.7 mi · 26,324 people · home $375,100
- Naranja, FL27.2 mi · 13,509 people · home $372,100
- Princeton, FL28.9 mi · 39,308 people · home $426,900
Key Largo questions
Is Key Largo, Florida a good place to retire?
On The Town Files lifestyle rankings, Key Largo scores better for retirees than 91% of Florida towns and quieter than 74%. 27.0% of residents are 65 or older (median age 49.6).
How much does a house cost in Key Largo?
The median owner-occupied home in Key Largo is valued at $643,900 (Census ACS 2020–2024), against a median household income of $85,778, so homes cost about 7.5 times income. Median rent is $1,887 a month.
What is the weather like in Key Largo?
July highs average 89.8°F and January lows 62.6°F (NOAA 1991–2020 normals). It gets about 56.9 inches of precipitation a year and 0.0 inches of snow.
Does Key Largo get tornadoes?
12 tornadoes have passed within 10 miles of Key Largo since 1950 (NOAA Storm Events); the strongest was a F2 on November 4, 1998. The typical Florida town has had 35.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)