Everything You Should Know Before Moving to Key Largo, FL
Thinking of moving to Key Largo, FL? With a relaxed coastal vibe and a population of about 12,447, Key Largo offers beautiful weather with 72% sunny days and average home prices around $690,000. The cost of living is higher than average, but residents enjoy low state taxes, quick commutes (28.4 minutes), and excellent access to outdoor recreation in the Florida Keys. The area is safe with moderate crime rates, strong local schools, and a slower pace—making it a great choice for those seeking a scenic, small-town lifestyle by the sea.
Demographics - Key Largo, FL
Demographics - Key Largo, FL
Key Largo is a small coastal community with about 12,447 residents, a median age of 54.2, and a predominantly White population. The area has a slightly higher number of males than females and nearly 18% of residents speak a language other than English at home. Its population density and older median age contribute to a laid-back, neighborly atmosphere.
Population:
12,447
Density:
1,057 per sq mi
Median Age:
54.2
Gender Ratio:
103 males per 100 females
Non-English Speakers Percentage:
17.8%

Ethnic Composition
White:
89.0%
Black:
3.1%
Asian:
1.2%
Others:
6.7%
Cost Of Living
What is the average cost of living in Key Largo, FL?
Living in Key Largo comes with a higher-than-average cost of living, reflected in a median home value of $690,000 and typical rents near $2,300 per month. While housing and transportation costs are elevated, Florida's 0% state income tax is a financial advantage for residents. Utilities and groceries are also above national averages, making the area best suited for those with strong financial resources.
Median House Value:
$690,000
Gross Rent:
$2,300
Monthly Electricity Charges:
$160
Auto Insurance:
$2,450
House Owner Cost With Mortgage:
$2,950
House Owner Cost Without Mortgage:
$910
State Taxes:
Low:
0%
|
High:
0%
Cost Of Living Index:
142.0
Grocery:
119.5
Housing:
169.0
Utilities:
105.3
Transportation:
130.1
Health Care:
102.4
Miscellaneous:
108.8
Crime
Is Key Largo, FL a safe place to live?
Key Largo maintains moderate crime rates, with a 1 in 350 chance of experiencing a violent crime and a property crime risk of 1 in 51. These rates are relatively low for a tourist-friendly destination, contributing to the community's overall sense of safety and appeal. Residents typically feel secure in this small-town, coastal environment.
Violent Crimes Per 100k:
285
Property Crimes Per 100k:
1,950
Crime Index:
2,235
Chance Of Violent Crime:
1 in 350
Chance Of Property Crime:
1 in 51
Weather
What is the weather like in Key Largo, FL year-round?
Key Largo features a tropical climate with warm winters averaging 60–75°F and hot summers ranging from 77–89°F. The area enjoys about 72% sunny days annually and receives around 45.5 inches of rainfall, making it ideal for outdoor and water activities year-round. Expect mild seasonal changes and plenty of sunshine.

Winter
Min:
60°F
Max:
75°F

Spring
Min:
67°F
Max:
82°F

Summer
Min:
77°F
Max:
89°F

Fall
Min:
70°F
Max:
84°F
Average Rainfall Inches:
45.5 inches
Sunny Days Percentage:
72%
Neighbors
Residents of Key Largo generally enjoy a comfortable lifestyle, with a median household income of $79,522 and a poverty rate of 8.6%. The community is well-educated, with over 92% of adults holding a high school diploma and nearly 30% earning a bachelor's degree or higher. Commute times average about 28 minutes, and public transportation use is extremely limited.
Median Income:
$41,000
Household Income:
$79,522
Family Income:
$91,270
Per Capita Income:
$46,110
Income Male:
$54,200
Income Female:
$39,600
Poverty Rate:
8.6%
Non English Speakers:
17.8%
Rent:
$2,300
Unemployment Rate:
3.7%
Public Transport Usage:
0.7%
Commute Time:
28.4 minutes

Education
High School or Higher:
92.4%
Bachelors or More:
29.1%
Education
How are the schools in Key Largo, FL?
Key Largo offers quality public education with two local schools that maintain favorable student-teacher ratios, as well as a private school option nearby. For higher education, Florida Keys Community College is located within 100 miles, providing access to college-level programs. The area is well-suited for families seeking reputable schools in a small-town setting.

Public Schools
Name:
Key Largo School
Street:
104801 Overseas Hwy
Phone:
305-453-1255
Students:
830
Student Teacher Ratio:
15.8
Name:
Plantation Key School
Street:
100 Lake Rd, Tavernier
Phone:
305-853-3281
Students:
410
Student Teacher Ratio:
14.4

Private Schools
Name:
Island Christian School
Street:
83400 Overseas Hwy, Islamorada
Phone:
305-664-4933
Students:
130

Colleges
Name:
Florida Keys Community College
City:
Key West
State:
FL
Distance:
100 miles
Students:
2,000
Healthcare
Key Largo is served by nearby general and surgical hospitals with emergency services, such as Baptist Health Mariners Hospital. The area offers a good ratio of physicians (2.1 per 1,000 residents) and nearly 88% of the population has health insurance coverage. Residents can expect access to quality healthcare within a short drive.

Major Hospitals
Name:
Baptist Health Mariners Hospital
Address:
91500 Overseas Hwy, Tavernier, FL 33070
Phone:
(305) 434-3000
Type:
General & Surgical
Emergency Services:
Yes
Name:
Fishermen's Community Hospital (Marathon, FL)
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:
87.6%
Health Care Index:
70.5
Housing Market
What is the housing market like in Key Largo, FL?
The housing market in Key Largo is characterized by a high median home price of $690,000 and strong owner-occupancy at 74%. Rental vacancies are modest, and home values have appreciated by 8.4% in the past year, reflecting steady demand. The market favors buyers and renters seeking waterfront or vacation properties.
Median Home Price:
$690,000
Average Rent For 2 Bedroom:
$2,300
Owner Occupied Rate:
74.2%
Rental Vacancy Rate:
11.9%
Home Appreciation Rate (1yr):
8.4%
New Construction Rate:
0.7%
Foreclosure Rate:
0.6%
DMV Information
Key Largo residents are served by the Florida Department of Highway Safety and Motor Vehicles, with the nearest office located in Key West. Services such as driver's licensing and vehicle registration are easily accessible through the state DMV website or by phone. It's advisable to check for appointment requirements before visiting.
State:
Florida
Department:
Florida Department of Highway Safety and Motor Vehicles
Address:
33040 Overseas Hwy, 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.