Everything You Should Know Before Moving to Lower Matecumbe Key, FL
Thinking of moving to Lower Matecumbe Key, FL? This laid-back island paradise offers an estimated population of about 1,000 residents, with a high owner-occupied rate and median home prices around $1.2 million. Enjoy low violent crime (130 per 100K), quick 22-minute commutes, and balmy weather with 73% sunny days annually. While the cost of living is high, the area’s natural beauty, excellent nearby schools, and relaxed Keys lifestyle make it a unique spot for those seeking sun, sea, and tranquility.
Demographics - Lower Matecumbe Key, FL
Demographics - Lower Matecumbe Key, FL
Lower Matecumbe Key is a small, close-knit island community with an estimated population of 1,000, a median age of 56, and a predominantly White demographic. Residents enjoy a low population density and a slightly higher proportion of males, while about 7.5% speak a language other than English at home.
Population:
1,000 (estimate)
Density:
350 per sq mi (estimate)
Median Age:
56.3
Gender Ratio:
105 males per 100 females
Non-English Speakers Percentage:
7.5%
Ethnic Composition
White:
89.2%
Black:
2.1%
Asian:
1.4%
Others:
7.3%
Cost Of Living
What is the average cost of living in Lower Matecumbe Key, FL?
Living on Lower Matecumbe Key comes with a notably high cost of living, driven by a median home value of $1.2 million and average rent of $3,100. The area benefits from no state income tax, but essentials like groceries and utilities are also more expensive compared to national averages.
Median House Value:
$1,200,000
Gross Rent:
$3,100
Monthly Electricity Charges:
$145
Auto Insurance:
$2,580
House Owner Cost With Mortgage:
$3,800
House Owner Cost Without Mortgage:
$970
State Taxes:
Low:
0% (no state income tax)
|
High:
0% (no state income tax)
Cost Of Living Index:
172.0
Grocery:
122.5
Housing:
235.0
Utilities:
110.0
Transportation:
130.0
Health Care:
104.0
Miscellaneous:
115.0
Crime
Is Lower Matecumbe Key, FL a safe place to live?
Lower Matecumbe Key maintains a low violent crime rate of 130 incidents per 100,000 residents, offering a sense of security for locals. Property crime is more common, with a 1 in 92 chance, but overall crime remains below typical urban levels.
Violent Crimes Per 100k:
130
Property Crimes Per 100k:
1,090
Crime Index:
1,220
Chance Of Violent Crime:
1 in 770
Chance Of Property Crime:
1 in 92
Weather
What is the weather like in Lower Matecumbe Key, FL year-round?
The island enjoys year-round warm weather, with winter highs in the mid-70s and summer peaks just below 90°F. Residents benefit from 73% sunny days annually and moderate rainfall, making it ideal for outdoor and waterfront activities.
Winter
Min:
65°F
Max:
76°F
Spring
Min:
70°F
Max:
80°F
Summer
Min:
77°F
Max:
89°F
Fall
Min:
72°F
Max:
83°F
Average Rainfall Inches:
39.5 inches
Sunny Days Percentage:
73%
Neighbors
Households on Lower Matecumbe Key typically have a median income around $92,400, with a poverty rate of just under 7% and a low unemployment rate. Most residents have at least a high school diploma, and commutes average a convenient 22 minutes.
Median Income:
$50,700
Household Income:
$92,400
Family Income:
$108,200
Per Capita Income:
$56,800
Income Male:
$60,000
Income Female:
$47,000
Poverty Rate:
6.9%
Non English Speakers:
7.5%
Rent:
$3,100
Unemployment Rate:
3.8%
Public Transport Usage:
0.5%
Commute Time:
22.4 minutes
Education
High School or Higher:
94.1%
Bachelors or More:
45.5%
Education
How are the schools in Lower Matecumbe Key, FL?
Families benefit from well-regarded local schools, including Plantation Key School and Island Christian School, with favorable student-teacher ratios. Access to higher education is available within a short drive at the College of the Florida Keys in Key West.
Public Schools
Name:
Plantation Key School
Street:
100 Lake Rd, Tavernier, FL 33070
Phone:
305-853-3281
Students:
670
Student Teacher Ratio:
13.4
Private Schools
Name:
Island Christian School
Street:
83400 Overseas Hwy, Islamorada, FL 33036
Phone:
305-664-4933
Students:
210
Colleges
Name:
College of the Florida Keys
City:
Key West
State:
FL
Distance:
62 miles
Students:
1,300
Healthcare
Residents have access to quality healthcare, with two major hospitals nearby and 2.4 physicians per 1,000 people. Nearly 90% of locals have health insurance, ensuring reliable care in emergencies or for routine needs.
Major Hospitals
Name:
Fishermen's Community Hospital
Address:
3301 Overseas Hwy, Marathon, FL 33050
Phone:
(305) 434-1000
Type:
General & Surgical
Emergency Services:
Yes
Name:
Mariners Hospital
Address:
91500 Overseas Hwy, Tavernier, FL 33070
Phone:
(305) 434-3000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.4
Health Insurance Coverage:
89.7%
Health Care Index:
77.0
Housing Market
What is the housing market like in Lower Matecumbe Key, FL?
The housing market is strong, with a median home price of $1.2 million and a high owner-occupancy rate of 78%. Home values are appreciating at over 9% annually, while rental options remain available but comparatively limited.
Median Home Price:
$1,200,000
Average Rent For 2 Bedroom:
$3,100
Owner Occupied Rate:
78.2%
Rental Vacancy Rate:
11.5%
Home Appreciation Rate (1yr):
9.1%
New Construction Rate:
0.5%
Foreclosure Rate:
0.7%
DMV Information
Lower Matecumbe Key falls under the Florida Department of Highway Safety and Motor Vehicles, with the nearest office located in Homestead. Residents can handle licensing, registration, and other vehicle needs both in person and online through the state DMV website.
State:
Florida
Department:
Florida Department of Highway Safety and Motor Vehicles
Address:
33840 SW 187th Ave, Homestead, FL 33034
Phone:
1-850-617-2000
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.