Census-designated place · Monroe County, Florida

Cudjoe Key, Florida

Cudjoe Key is a census-designated place in Monroe County, Florida, part of the Key West-Key Largo, FL metro area. It has 2,492 residents. Cudjoe Key, Florida has a quality-of-life score of 67 out of 100 (high), ranking #5,183 of 15,651 US cities and towns. Within Florida it ranks #139 of 780 cities and towns. It ranks best on restaurants and bars (high), pharmacies (high) and arts, entertainment and recreation (high). It ranks worst on natural hazard risk (high), rent-burdened households (high) and home price to income ratio (high).

67High

Quality-of-life score: #5,183 of 15,651 cities and towns
Florida: #139 of 780 in FL
Population: 2,492 (2020-2024)
Land area: 5 mi²
Density: 481.6 /mi²
FIPS code: 1215862

Percentile-based score (100 is the best in the country) from 72 of 80 indicators, with the default “Explorer” weights.

Open in the map

Scores by category

Each category averages its indicators' percentile scores among US cities and towns.

Safety41#9,207/15,637
Economy71#4,516/15,631
Housing1#14,803/14,977
Health84#2,496/15,609
Healthcare56#6,838/15,650
Environment61#6,058/15,453
Education74#3,999/15,649
Infrastructure51#7,655/15,650
Community68#5,026/15,651
Leisure & amenities99#106/15,651

Strengths · Weaknesses

Indicators where Cudjoe Key, Florida ranks highest and lowest among US cities and towns (score = percentile, 100 = best). Values marked “Monroe County value” are the county’s: the source publishes no figure for this city or town, and the county holding most of its residents stands in.

Strengths

Restaurants and bars · high37.3 /10k
100/100Florida 9.6 /10kUnited States 9.0 /10k2025U.S. Bureau of Labor StatisticsMonroe County value
Pharmacies · high3.9 /10k
99/100Florida 2.0 /10kUnited States 1.8 /10k2025U.S. Bureau of Labor StatisticsMonroe County value
Arts, entertainment and recreation · high20.6 /10k
99/100Florida 5.9 /10kUnited States 5.5 /10k2025U.S. Bureau of Labor StatisticsMonroe County value
New business applications · high29.0 /1k
97/100Florida 27.6 /1kUnited States 16.6 /1k2025U.S. Census BureauMonroe County value
Grocery stores · high3.2 /10k
95/100Florida 1.6 /10kUnited States 1.7 /10k2025U.S. Bureau of Labor StatisticsMonroe County value
Adult obesity · low24.7%
94/100Florida 34.5%United States 38.2%2023University of Wisconsin Population Health InstituteModel-based estimate

Weaknesses

Natural hazard risk · high99.2
1/100Florida 75.92025Federal Emergency Management AgencyMonroe County value
Rent-burdened households · high81.9%
1/100Florida 60.1%United States 51.1%2020-2024U.S. Census Bureau Census table B25070
Home price to income ratio · high9.8×
2/100Florida 4.8×United States 4.1×2020-2024U.S. Census Bureau Census table B25077
Hot days · high116 days
6/100Florida 102 daysUnited States 42 days2016-2025NOAA National Centers for Environmental InformationMonroe County value
Rent as share of income · high35.7%
7/100Florida 35.2%United States 30.6%2020-2024U.S. Census Bureau Census table B25071
Distance to an Amtrak station · high100 mi
10/100Florida 27 miUnited States 43 mi2026Federal Aviation Administration · Bureau of Transportation Statistics · U.S. Census BureauMonroe County value

Trends

The largest changes over about five years, next to the country's over the same periods.

PopulationRising
2,105 (2015-2019) → 2,492 (2020-2024)
+18%5 yearsCensus table B01003US 328,329,953 → 340,003,797
Rent-burdened householdsWorsening
49.4% (2015-2019) → 82.0% (2020-2024)
+33 pts5 yearsCensus table B25070US 49.6% → 51.1%
Home price to income ratioWorsening
5.3× (2015-2019) → 9.8× (2020-2024)
+87%5 yearsCensus table B25077US 3.5× → 4.1×
Uninsured residents (under 65)Improving
18.7% (2015-2019) → 10.9% (2020-2024)
−7.8 pts5 yearsCensus table B27010US 10.8% → 9.8%
Rent as share of incomeWorsening
29.8% (2015-2019) → 35.7% (2020-2024)
+5.9 pts5 yearsCensus table B25071US 29.8% → 30.6%
Income inequality (Gini index)Improving
0.514 (2015-2019) → 0.429 (2020-2024)
−17%5 yearsCensus table B19083US 0.482 → 0.483

What changed in five years

How each measure moved between two periods about five years apart, read against whether more or less is better, the published margin of error and the same change in other places.

Over about five years, Cudjoe Key, Florida improved on 0 of 12 measures with a comparison and declined on 2. 10 moved within the margin of error and 0 barely changed.

Earlier (2015-2019)
Latest (2020-2024)
Lower standingHigher standing

Position is the place's standing among cities and towns: further right is better, whichever way the measure counts.

Improved0

No measure improved by more than its margin of error.

Declined2

Price / income+4.5×5.3× → 9.8×
Rent burden+33 points49.4% → 82.0%

All 12 measures

Change of every measure of Cudjoe Key, Florida between two periods about five years apart
Measure	Before	After	Change	Reading	Favourable vs peers
Average commute time	27.7 min2015-2019	31.0 min2020-2024	+3.3 min	Within the margin of error	18%
Bachelor's degree or higher	41.0%2015-2019	40.7%2020-2024	−0.4 points	Within the margin of error	25%
Broadband subscriptions	92.1%2015-2019	93.8%2020-2024	+1.7 points	Within the margin of error	14%
Effective property tax rate	0.75%2015-2019	0.60%2020-2024	−0.1 points	Within the margin of error	47%
High school diploma or higher	97.1%2015-2019	96.5%2020-2024	−0.7 points	Within the margin of error	25%
Home price to income ratio	5.3×2015-2019	9.8×2020-2024	+4.5×	Declined	0%
Income inequality (Gini index)	0.5142015-2019	0.4292020-2024	−0.086	Within the margin of error	93%
Median household income	$81,7862015-2019	$87,5002020-2024	+7%	Within the margin of error	13%
Poverty rate	10.2%2015-2019	8.6%2020-2024	−1.6 points	Within the margin of error	59%
Public transit commuters	0.0%2015-2019	0.0%2020-2024	0 points	Within the margin of error	60%
Rent as share of income	29.8%2015-2019	35.7%2020-2024	+5.9 points	Within the margin of error	19%
Rent-burdened households	49.4%2015-2019	82.0%2020-2024	+33 points	Declined	2%

“Against peers” compares the change with the same change in the 14640 cities and towns that have the same two periods. It describes how common a change is, not why it happened.

Sources: American Community Survey 5-Year Estimates. Values are the latest and the one five years earlier of the same publisher dataset; datasets that changed publisher in between are never compared.

Survey estimates (American Community Survey) compare the two most recent 5-year windows that do not share years, so the margin of error of the difference holds. The 2015-2019 window predates the pandemic and 2020-2024 includes it.
A change counts only when it is larger than 1.645 times the square root of the two standard errors squared, summed (a 90% margin). Measures published without a margin must change by at least 5% to count.
“Against peers” compares the change with the same change in the 15651 cities and towns that have the same two periods. It describes how common a change is, not why it happened.
Standing is a percentile among the same places: 0 is the lowest value on the measure (or the worst when lower is better), 100 the best.

Cities and towns like Cudjoe Key, Florida five years ago that improved

The places whose measures looked most like those of Cudjoe Key, Florida in the earlier period, ranked by how many measures improved beyond the margin of error, minus how many declined. A comparison of published data, not a forecast and not advice.

For comparison, Cudjoe Key, Florida itself moved −9.3 points in standing on average over the same 10 measures (standings of all places average about zero).

How the ranking works

Similarity is the root-mean-square difference of standings in the earlier period over the measures most places have. Places are ranked by measures that improved beyond the margin of error minus those that declined (a count that estimation noise in small places cannot inflate), then by the mean change of standing over the measures a place has in both periods. Only places with more improvements than declines and a rise in standing are listed. Standings are relative, so a place can improve in absolute terms and still lose standing.

Who lives here

Age, race and education of residents, from the American Community Survey. Shares are of all residents (age), residents of every origin (race) or adults 25 and over (education).

Age and sex

2,492 residents (±386)

Men
Women

80 and over†
70–79†
60–69†

Income

How household income is spread, not just the middle: each bar is the share of households in that income range.

Household income

1,064 households (±134)

Cudjoe Key, Florida
Florida share

Under $25k9.1%†97
$25k–50k12%†124
$50k–75k

Homes

Who owns and who rents, what homes cost, and what the housing stock looks like.

Owners and renters

1,064 households (±134)

Cudjoe Key, Florida
Florida share

Own79%843
Rent21%†221

No change since 2015–2019 is larger than the margin of error.

† Wide margin of error (more than 30% of the estimate): read with care.

Table view

Getting to work

How workers travel to their job and how long it takes them.

How people get to work

1,174 workers (±234)

Cudjoe Key, Florida
Florida share

Drive alone67%785
Carpool6.4%†75
Public transit0.0%0

Jobs and pay

What the largest occupations here pay, from the Bureau of Labor Statistics' Occupational Employment and Wage Statistics survey.

The Bureau of Labor Statistics publishes pay by metro area, not by county or city. The metro area page lists its largest occupations and lets you look up any job.

Pay in the Key West-Key Largo, FL

Local businesses

Employer businesses and sole proprietors by industry, per resident and against the state and the nation. Counts of businesses next to counts of people, not a measure of demand.

The Census Bureau publishes business counts by county, not by city, so these are the figures of Monroe County, the county holding most of Cudjoe Key's residents.

Monroe County has 4,154 employer establishments, 502 for every 10,000 residents (2.02× the US rate of 248; 1.78× Florida's), with 37,134 paid employees at an average annual pay of $48,056. The Census Bureau also counts 16,021 nonemployer businesses, mostly sole proprietors.

Establishments: 4,154; 16,021 nonemployers
Per 10,000 residents: 502; US 248 · Florida 282
Paid employees: 37,134
Average annual pay: $48,056; US $68,342

Employer establishments, employees, average pay and nonemployers of Monroe County by industry, with the density per resident against the nation

Lessors of real estate	381	46.1	3.74×More than typical	859	$64,597	2,370
Restaurants and other eating places	366	44.3	2.41×More than typical	6,953	$35,275	136
Full-service restaurants	261	31.6	4.11×More than typical	5,581	$37,654	77
Specialty trade contractors	257	31.1	2.01×More than typical	1,192	$58,357	812
Ambulatory health care services	195	23.6	1.13×About typical	897	$73,047	441
Real estate agents and brokers	194	23.5	4.82×More than typical	316	$79,899	561
Traveler accommodation	160	19.3	10.7×More than typical	7,659	$44,579	84
Services to buildings and dwellings	159	19.2	2.85×More than typical	839	$43,725	1,496
Clothing and accessories stores	130	15.7	4.33×More than typical	743	$29,127	130
Management, scientific and technical consulting	122	14.8	2.20×More than typical	300	$157,140	558
Construction of buildings	119	14.4	1.90×More than typical	502	$51,614	520
Building equipment contractors	118	14.3	2.37×More than typical	774	$56,270	179

Rank places for an industry Open Monroe County

County Business Patterns (2023); Nonemployer Statistics (2024)

Per-resident figures divide by the population estimate of 2023: 82,695 residents here, 336,755,052 in the United States. County Business Patterns counts establishments in 2023; the Nonemployer Statistics count businesses in 2024.
“More than typical” is a density at least 1.25 times the nation's per resident, “fewer” at most 0.8 times, with at least 10 establishments. It compares counts of businesses with counts of people: it says nothing about demand, incomes, size, quality or profit, and visitors and commuters are not residents.
The Census Bureau adds noise to employment and payroll to protect confidentiality, and withholds some figures: an industry with few establishments can show employees or pay as unavailable.
Industries overlap: a narrower industry (full-service restaurants) is part of a broader one (restaurants), so the rows do not add up.
Industries follow the North American Industry Classification System; the two surveys use different editions (NAICS 2017 and 2022), which this page matches industry by industry.

Federal contracts performed here

In FY2026, an estimated $57.8K of federal contract obligations were for work performed in Cudjoe Key, Florida: $23.19 per resident (US $1,994).

Obligations: $57.8K
Per resident: $23.19; US $1,994
Sole-source: 0.0%; US 30%
Single offer: 77%; US 8.8%

A signal is a reason to look closer, not evidence of wrongdoing: most sole-source awards are lawful and justified.

Top buying agencies

National Oceanic and Atmospheric Administration$44.7K77%
U.S. Geological Survey$7,80214%
U.S. Coast Guard$5,6739.8%

Top recipients

Spending by fiscal year

172.9KFY2017
38KFY2018
2.7KFY2019
43.1KFY2020
32.8KFY2022
588.9KFY2023
35.6KFY2024
0FY2025

Top industries (NAICS)

Deep sea, coastal, and Great Lakes water transportation · 4831$54.1K94%
Ship and boat building · 3366$5,6739.8%

Source: Federal contract transactions (Federal Procurement Data System) (U.S. Department of the Treasury, USAspending.gov), data current to Oct 3, 2026, loaded Oct 3, 2026.

How this is estimated

Agencies report each contract action's place of performance as a county and a ZIP code. A ZIP code's money is split among the cities it covers by the share of its land inside each (Census 2020 ZIP code tabulation areas); the part outside city limits stays with the county.

The place of performance is what the contracting agency reports, often the contractor's office rather than where the work happens.
Shares are of land, not of people or businesses: a ZIP code that is mostly rural land but has its offices in town gives the town less than it should.
ZIP codes that are not mapped areas (post office boxes, the unique ZIP codes of large federal sites and companies) stay with their county, unless one city covers nearly all of it.
Counts of actions and awards include those only partly in Cudjoe Key, Florida, so they do not add up across cities.

Cudjoe Key, Florida's figures are part of those of Monroe County, FL ($54M in FY2026), never added to them: 0.1% of that total.

Grants and other federal assistance are counted by county here, not split among cities: Cudjoe Key is mostly in Monroe County.

See federal money in Monroe County

Representation in Congress

Members serving today, with their record in the current Congress (party-unity votes cast with their caucus, roll calls missed). Not a grade.

Cudjoe Key, Florida is represented in the 119th Congress by these members.

House

Carlos A. GimenezR-FL-28 · 100% of residentsWith party 95%Missed 6.7%

Senate

Explore Congress The 2026 races

County

A city can lie in several counties. Some indicators are published for counties only: the page marks them.

Monroe County81100% of residents

Metro area

The metro or micro area the city belongs to.

Key West-Key Largo, FL80

Other cities and towns in Monroe County

Largest first.

Similar cities and towns

Closest indicator profiles across the country (no model: score distances).

Data and sources

Latest published value of each indicator; periods differ by source. Values flagged by their publisher are marked.

PLACES: Local Data for Better HealthCenters for Disease Control and Prevention · release 2025
Local Area Unemployment StatisticsU.S. Bureau of Labor Statistics · release 2025
American Community Survey 5-Year EstimatesU.S. Census Bureau · release 2017-2024
Population Estimates ProgramU.S. Census Bureau · release 2025
Small Area Health Insurance EstimatesU.S. Census Bureau · release 2024
Small Area Income and Poverty EstimatesU.S. Census Bureau · release 2024
County Health Rankings & RoadmapsUniversity of Wisconsin Population Health Institute · release 2022-2025+2026-03-supplement

JSON · /api/v1/places/1215862

Scores by category

Strengths · Weaknesses

Strengths

Weaknesses

Trends