HomeFloridaMonroe CountyKey Largo CDP
Key Largo CDP, Florida: commercial real estate data.
Key Largo CDP is a Census CDP of 13,026 people across 12.05 square miles of land, in Monroe County. Median household income is $85,778, 76.2 percent of occupied homes are owned, and the SBA record carries 27 7(a) approvals to borrowers here worth $21.1 m.
76 sourced place values · tier FULL · 8 sections
Key Largo
What Key Largo is
- Census place typeCDP
- Land area12.05 sq mi
- Water area3.19 sq mi
- Population per square mile of land1,081
- County holding the largest share of its areaMonroe 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.
Key Largo
How many people live in Key Largo
- Population13,026
- Median age49.6
- Population under 182,006
- Share under 1815.4 percent
- Population 65 and over3,513
- Share 65 and over27.0 percent
- Households5,263
- Family households3,400
- Share of households that are families64.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Key Largo
Income and work in Key Largo
- Median household income$85,778
- Per capita income$52,959
- Civilian labor force6,477
- Employed6,232
- Unemployed245 plus or minus 127
- Unemployment rate3.8 percent plus or minus 1.9
- Adults 25 and over10,044
- Adults 25 and over with a high school diploma or higher93.4 percent
- Adults 25 and over with a bachelor degree or higher39.0 percent
- Adults 25 and over with a graduate degree14.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Key Largo
Housing in Key Largo
- Housing units8,740
- Occupied units5,263
- Vacant units3,477
- Vacancy rate39.8 percent
- Owner occupied4,011
- Renter occupied1,252
- Ownership rate76.2 percent
- Median owner-occupied home value$643,900
- Median gross rent, monthly$1,887
- Annual rent as a share of median income26.4 percent
- Single family units5,763
- Share single family65.9 percent
- Units in buildings of two or more1,554 plus or minus 336
- Share in buildings of two or more17.8 percent plus or minus 3.7
- Mobile homes1,382 plus or minus 299
- Median year structure built1983
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Key Largo
How Key Largo gets to work
- Workers 16 and over who commute5,516
- Commuting under 15 minutes2,193
- Share commuting under 15 minutes39.8 percent
- Commuting 30 minutes or more1,886 plus or minus 383
- Share commuting 30 minutes or more34.2 percent
- Drove alone68.9 percent
- Carpooled14.1 percent plus or minus 4.4
- Public transport1.4 percent plus or minus 1.0
- Walked1.7 percent plus or minus 1.6
- Worked from home11.6 percent plus or minus 3.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Key Largo
SBA 7(a) lending to Key Largo borrowers
- Approvals27
- Gross approval$21,114,200
- Average approval$782,007
- Median approval$250,000
- Ninetieth percentile approval$3,085,600
- Largest approval$3,460,000
- Jobs supported230
- Jobs per approval8.5
- Loans with a final outcome5
- Paid in full5
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.9 percent
- Share to franchises3.7 percent
- Distinct lenders19
- Distinct industries by NAICS22
A charge-off rate is not published here. only 5 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.
Key Largo
SBA 504 lending to Key Largo borrowers
- Approvals15
- Gross approval$15,080,000
- Average approval$1,005,333
- Median approval$595,000
- Largest approval$3,337,000
- Jobs supported157
- Loans with a final outcome4
- Charged off0
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Monroe County, not Key Largo
Monroe County context, not Key Largo figures
These are Monroe County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Key Largo measurements.
- Establishments in Monroe County4,154
- Employment at those establishments, Monroe County37,134
- Covered employment, Monroe County47,058
- Average annual pay, Monroe County$58,702
- Average weekly wage, Monroe County$1,129
- Housing units permitted, Monroe County334
- Of those, single family, Monroe County245
- County product, 2024, Monroe County$8,349,784,000
- County product change over the prior year, Monroe County6.7 percent
- Average income of an arriving household, Monroe County$262,503
Every figure in this section is published for Monroe County as a whole and is not a measurement of Key Largo. 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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
Key Largo questions, answered from the record.
How many people live in Key Largo, Florida?
13,026, in 5,263 households. Key Largo CDP covers 12.05 square miles of land, which is 1,081 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Key Largo in?
Monroe 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 Key Largo?
$85,778. The median owner-occupied home is valued at $643,900. Median gross rent is $1,887 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Key Largo businesses?
27 7(a) approvals totalling $21.1 m, across 19 lenders, median approval $250,000, plus 15 504 approvals worth $15.1 m. These count approvals to borrowers whose address is in Key Largo, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Key Largo borrowers get paid back?
No rate is published for Key Largo. only 5 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.
Are the county figures on this page Key Largo figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Monroe 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 Key Largo.
Is zoning published for Key Largo?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.