HomeFloridaLevy CountyCedar Key
Cedar Key, Florida: commercial real estate data.
Cedar Key is a Census city of 875 people across 1.03 square miles of land, in Levy County. Median household income is $64,375, 78.2 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $2.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cedar Key
What Cedar Key is
- Census place typecity
- Land area1.03 sq mi
- Water area1.16 sq mi
- Population per square mile of land852 plus or minus 230
- County holding the largest share of its areaLevy County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Key
How many people live in Cedar Key
- Population875 plus or minus 236
- Median age65.8
- Population under 18103 plus or minus 61
- Share under 1811.8 percent plus or minus 6.2
- Population 65 and over456 plus or minus 118
- Share 65 and over52.1 percent plus or minus 19.5
- Households440 plus or minus 107
- Family households279 plus or minus 84
- Share of households that are families63.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Key
Income and work in Cedar Key
- Median household income$64,375 plus or minus $22,643
- Per capita income$44,980 plus or minus $11,384
- Civilian labor force248 plus or minus 92
- Employed230 plus or minus 90
- Unemployed18 plus or minus 17
- Unemployment rate7.3 percent plus or minus 6.3
- Adults 25 and over723 plus or minus 177
- Adults 25 and over with a high school diploma or higher98.3 percent plus or minus 31.7
- Adults 25 and over with a bachelor degree or higher49.9 percent
- Adults 25 and over with a graduate degree28.9 percent plus or minus 9.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Key
Housing in Cedar Key
- Housing units795
- Occupied units440 plus or minus 107
- Vacant units355 plus or minus 97
- Vacancy rate44.7 percent plus or minus 9.5
- Owner occupied344 plus or minus 93
- Renter occupied96 plus or minus 57
- Ownership rate78.2 percent
- Median owner-occupied home value$378,000
- Median gross rent, monthly$873 plus or minus $184
- Annual rent as a share of median income16.3 percent plus or minus 6.7
- Single family units608 plus or minus 126
- Share single family76.5 percent
- Units in buildings of two or more152 plus or minus 58
- Share in buildings of two or more19.1 percent plus or minus 6.5
- Mobile homes35 plus or minus 36
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Key
How Cedar Key gets to work
- Workers 16 and over who commute156 plus or minus 84
- Commuting under 15 minutes96 plus or minus 53
- Share commuting under 15 minutes61.5 percent
- Commuting 30 minutes or more60 plus or minus 56
- Share commuting 30 minutes or more38.5 percent plus or minus 29.1
- Drove alone52.2 percent plus or minus 28.2
- Carpooled6.5 percent plus or minus 7.9
- Public transport0.0 percent
- Walked4.8 percent plus or minus 8.5
- Worked from home32.2 percent plus or minus 15.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cedar Key
SBA loans in Cedar Key (7(a))
- Approvals3
- Gross approval$2,734,800
- Average approval$911,600
- Median approval$1,000,000
- Largest approval$1,634,800
- Jobs supported26
- Jobs per approval8.7
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more66.7 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Cedar Key, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cedar Key
SBA loans in Cedar Key (504)
- Approvals2
- Gross approval$1,808,000
- Average approval$904,000
- Median approval$904,000
- Largest approval$1,230,000
- Jobs supported13
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Cedar Key, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cedar Key
Flood risk in Cedar Key
- NFIP communityCity of Cedar Key
- NFIP community number120373
- Participating in the NFIPYes
- Community Rating System classClass 9
- Currently effective map date01/18/19
The City of Cedar Key participates in the National Flood Insurance Program as community 120373 and carries Community Rating System class 9, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Levy County, not Cedar Key
Levy County context, not Cedar Key figures
- Establishments in Levy County886
- Covered employment, Levy County9,153
- Average annual pay, Levy County$43,623
- Housing units permitted, Levy County199
Every figure in this section is published for Levy County as a whole and is not a measurement of Cedar Key.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Cedar Key questions, answered from the record.
How many people live in Cedar Key, Florida?
875, in 440 households. Cedar Key city covers 1.03 square miles of land, which is 852 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cedar Key in?
Levy County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cedar Key?
$64,375. The median owner-occupied home is valued at $378,000. Median gross rent is $873 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cedar Key businesses?
3 7(a) approvals totaling $2.7 m since FY2020, across 3 lenders, median approval $1,000,000, plus 2 504 approvals worth $1.8 m since FY2010. These count approvals to borrowers whose address is in Cedar Key, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cedar Key borrowers get paid back?
No rate is published for Cedar Key. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cedar Key in the National Flood Insurance Program?
Yes. Cedar Key appears in the FEMA Community Status Book as Cedar Key, city of, community 120373, carrying Community Rating System class 9, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cedar Key figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Levy County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cedar Key.
Is zoning published for Cedar Key?
No. Nothing on this page presents parcel level zoning.