Everything You Should Know Before Moving to Cross Key, FL
Thinking of moving to Cross Key, FL? This small coastal community of around 1,500 residents offers a relaxed, sunny lifestyle with 72% sunny days a year and warm winters. Median home prices are about $420,000, and average rents for a two-bedroom run $2,250, reflecting its desirable location. Crime rates are moderate for the region, and commute times average 27.5 minutes. Local schools are well-rated, and healthcare access is solid, making Cross Key a great choice for those seeking a laid-back Florida Keys vibe.
Demographics - Cross Key, FL
Demographics - Cross Key, FL
Cross Key is a small, close-knit community with a population of about 1,500 residents and a median age of 46, offering a relaxed lifestyle ideal for those seeking a quieter pace. The area is predominantly White (82%) with a modestly diverse population, and approximately 13.5% of residents speak a language other than English at home.
Population:
1,500
Density:
120 per sq mi
Median Age:
46.2
Gender Ratio:
105 males per 100 females
Non-English Speakers Percentage:
13.5%
Ethnic Composition
White:
82.0%
Black:
8.0%
Asian:
2.0%
Others:
8.0%
Cost Of Living
What is the average cost of living in Cross Key, FL?
Living in Cross Key comes with a cost of living index above the national average, driven largely by housing costs, with median home values at $420,000 and typical rents around $2,250 per month. While utilities and groceries are slightly above average, Florida’s absence of state income tax helps offset some expenses.
Median House Value:
$420,000
Gross Rent:
$2,250
Monthly Electricity Charges:
$165
Auto Insurance:
$2,800
House Owner Cost With Mortgage:
$2,350
House Owner Cost Without Mortgage:
$850
State Taxes:
Low:
0%
|
High:
0%
Cost Of Living Index:
128.0
Grocery:
116.0
Housing:
140.0
Utilities:
110.0
Transportation:
125.0
Health Care:
105.0
Miscellaneous:
107.0
Crime
Is Cross Key, FL a safe place to live?
Cross Key experiences moderate crime rates for the region, with a violent crime rate of 215 incidents per 100,000 people and property crime more common at 1,650 per 100,000. Residents have a relatively low chance of violent crime, making the area suitable for those prioritizing safety.
Violent Crimes Per 100k:
215
Property Crimes Per 100k:
1,650
Crime Index:
1,865
Chance Of Violent Crime:
1 in 465
Chance Of Property Crime:
1 in 61
Weather
What is the weather like in Cross Key, FL year-round?
The city enjoys a subtropical climate, featuring warm winters with highs in the mid-70s and hot, sunny summers reaching the low 90s. With 72% sunny days annually and about 44 inches of rainfall, Cross Key offers the classic Florida Keys weather ideal for outdoor enthusiasts.
Winter
Min:
62°F
Max:
75°F
Spring
Min:
70°F
Max:
83°F
Summer
Min:
77°F
Max:
91°F
Fall
Min:
70°F
Max:
84°F
Average Rainfall Inches:
44 inches
Sunny Days Percentage:
72%
Neighbors
Residents of Cross Key have a median household income of $61,500 and a family income of $70,000, with a poverty rate of 11.8%. The average commute is just over 27 minutes, and most neighbors have completed high school, making the community both accessible and well-educated.
Median Income:
$36,000
Household Income:
$61,500
Family Income:
$70,000
Per Capita Income:
$36,400
Income Male:
$42,000
Income Female:
$30,000
Poverty Rate:
11.8%
Non English Speakers:
13.5%
Rent:
$2,250
Unemployment Rate:
3.6%
Public Transport Usage:
2.1%
Commute Time:
27.5 minutes
Education
High School or Higher:
86.7%
Bachelors or More:
24.5%
Education
How are the schools in Cross Key, FL?
Local education options in Cross Key include well-rated public and private schools, such as Plantation Key School with a favorable student-teacher ratio. For higher education, Florida Keys Community College is located 56 miles away and serves around 1,200 students, providing further learning opportunities within reach.
Public Schools
Name:
Plantation Key School
Street:
100 Lake Rd, Tavernier, FL 33070
Phone:
305-853-3281
Students:
490
Student Teacher Ratio:
13.9
Private Schools
Name:
St. Justin Martyr School
Street:
105500 Overseas Hwy, Key Largo, FL 33037
Phone:
305-451-0739
Students:
180
Colleges
Name:
Florida Keys Community College
City:
Key West
State:
FL
Distance:
56 miles
Students:
1,200
Healthcare
Healthcare access in Cross Key is strong, with two major hospitals nearby and a physician density of 2.1 per 1,000 residents. About 88% of locals have health insurance coverage, ensuring medical care is within easy reach for most households.
Major Hospitals
Name:
Mariners Hospital
Address:
91500 Overseas Hwy, Tavernier, FL 33070
Phone:
(305) 434-3000
Type:
General & Surgical
Emergency Services:
Yes
Name:
Fishermen's Community Hospital
Address:
3301 Overseas Hwy, Marathon, FL 33050
Phone:
(305) 434-1000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.1
Health Insurance Coverage:
88.2%
Health Care Index:
70.0
Housing Market
What is the housing market like in Cross Key, FL?
Cross Key’s housing market is competitive, with median home prices at $420,000 and rents for a two-bedroom apartment averaging $2,250. Homeownership is common, with over two-thirds of residents owning their homes, and the area has seen a healthy home appreciation rate of 7.3% in the past year.
Median Home Price:
$420,000
Average Rent For 2 Bedroom:
$2,250
Owner Occupied Rate:
67.2%
Rental Vacancy Rate:
9.8%
Home Appreciation Rate (1yr):
7.3%
New Construction Rate:
2.2%
Foreclosure Rate:
0.7%
DMV Information
Cross Key residents are served by the Florida Department of Highway Safety and Motor Vehicles, with the nearest office located in Key West. Services including licensing and vehicle registration are easily accessible both in person and online through the state DMV website.
State:
Florida
Department:
Florida Department of Highway Safety and Motor Vehicles
Address:
3304 N Roosevelt Blvd, Key West, FL 33040
Phone:
850-617-2000
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.