HomeFloridaLevy CountyCedar Key city
Cedar Key city, Florida: commercial real estate data.
Cedar Key city 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.
81 sourced place values · tier FULL · 9 sections · 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
- Ninetieth percentile approval$1,634,800
- 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
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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$1,230,000
- Largest approval$1,230,000
- Jobs supported13
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
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
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 9
- NFIP community number120373
- Currently effective map date01/18/19
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Levy County, not Cedar Key
Levy County context, not Cedar Key figures
These are Levy County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cedar Key measurements.
- Establishments in Levy County886
- Employment at those establishments, Levy County7,282
- Covered employment, Levy County9,153
- Average annual pay, Levy County$43,623
- Average weekly wage, Levy County$839
- Housing units permitted, Levy County199
- Of those, single family, Levy County199
- County product, 2024, Levy County$1,660,421,000
- County product change over the prior year, Levy County11.6 percent
- Average income of an arriving household, Levy County$59,082
Every figure in this section is published for Levy County as a whole and is not a measurement of Cedar Key. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $2.7 m, across 3 lenders, median approval $1,000,000, plus 2 504 approvals worth $1.8 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. 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 community 120373, carrying Community Rating System class 9, which is a premium discount for exceeding the programme 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.