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Monroe County, FL

RANK #141 / 1001 NAT  ·  #4 / 41 FL  ·  POP 81,860

1YR FORECAST: -0.0%

5YR OUTLOOK: +35%

#32 Best Climate & Terrain
Our model projects Monroe County's housing market to grow -0.0% over the next year, significantly outpacing the national average.

[01] Why Monroe County?

Monroe County, Florida, is defined by the Florida Keys, a chain of islands stretching over 100 miles into the Gulf of Mexico, with Key West serving as the county seat. This southernmost county in Florida is known for its tropical climate, clear waters, and abundant outdoor recreation. Residents and visitors enjoy activities like snorkeling and diving at John Pennekamp Coral Reef State Park, the country's first underwater state park, or exploring the sandy beaches of Bahia Honda State Park. The Overseas Highway connects the Keys, though commute times can vary. The public school district, headquartered in Key West, is considered above average.

Life in Monroe County often revolves around its unique island environment. The economy is heavily influenced by tourism, which supports a significant number of local jobs and contributes to tax revenues. This visitor-driven economy helps fund community projects and infrastructure improvements, lessening the tax burden on residents. Recent economic developments include ongoing investments in infrastructure, such as road stabilization and improvements to transportation facilities like Key West International Airport, aimed at enhancing resilience against environmental challenges. The county is also seeing proposals for new data centers, reflecting broader trends in digital infrastructure investment.

MARKET PROFILE

Sun Belt Post-Surge Correction

Monroe County is one of 76 U.S. counties in this market profile — stronger than typical on the BoomTown Index. Within this cohort, its recent home-price change of -2.2% runs above the profile's typical -3.7%.

See all 76 Sun Belt Post-Surge Correction counties →

[02] Market Snapshot

Housing Ratio
21.8x

Overvalued relative to economy

Home Prices
-2.2%

Prices declining

Climate & Terrain
6.0

Favorable climate & terrain

Price/Rent
19x

Above national median (15x)

Housing looks overvalued at 21.8x — home prices are high relative to local economic output. Climate and geography support a structural premium. The typical U.S. county is 4–6x.

[03] Top Employers

  1. 1
    US Armed Services Military
    1,000+
  2. 2
    Monroe County School District Education
  3. 3
    Monroe County Government Government
  4. 4
    Monroe County Sheriff's Office Government
  5. 5
    City of Key West Government
  6. 6
    Ocean Reef Club Hospitality
  7. 7
    Publix Stores Retail
  8. 8
    Lower Keys Medical Center Healthcare
  9. 9
    Florida Keys Aqueduct Authority Government
  10. 10
    Keys Energy Service Energy

Estimated local headcount ranges. Larger employers shown as floor + "+"; smaller employers show exact counts where reported.

[04] Home Value Growth vs National

Monroe County U.S. National

Bars show trailing 12-month growth. The dashed Forecast bars are the model's next-12-month projection; the whisker marks the ±1% range (cooling–accelerating).

The Numbers

DEMOGRAPHICS
Population
81,860
+0.02% YoY
Median Household Income
$87,738
Median Home Value
$780,600
-2.25% 12mo
Median Rent
$1,999
Average Annual Pay
$62,226
+6.0% YoY
Employment
47,208
+0.3% YoY
Income-to-Home-Value
0.1124
Less affordable than average
Migration Inflow
3.6%
of pop. from another state
Bachelor's Degree+
38.6%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$1,050,000
Days on Market
108
Slower market
Months of Supply
6.6
Buyer's market
Sale-to-List Ratio
94.1%
Negotiation room for buyers
Sold Above List
1.6%
Listings w/ Price Drops
22.3%
Building Permits (2025)
279
Single-Family Permits
239

Source: Redfin · Census BPS — Browse sales on Redfin →

[05] Crime & Safety

B-
SAFETY
GRADE
Homicide Rate
4.4
per 100K · nat avg 6.3
Firearm Fatalities
19.4
per 100K · nat avg 14.8
Injury Deaths
116.8
per 100K · nat avg 76.3
vs National Average
Below national avg
based on homicide rate

Source: CDC/NCHS vital statistics via County Health Rankings (2020–2022 avg). Rates per 100,000 population. Grade based on homicide rate relative to national average (~6.3). Learn more →

[06] Capital Investment

$2,609M
TOTAL
PROJECT AMOUNT STATUS
Datacore Innovations Data Center Campus
Datacore Innovations LLC (Capital Land Group LLC)
$1,120M Proposed
Google Data Center
Google
$1,100M Planned
Monroe County Capital Improvement Program (2024-2028)
Monroe County
$339M Planned
Key Largo Affordable Workforce Housing Units
Gorman & Company LLC
$50M Planned

Source: public records, news, corporate announcements. Amounts are estimates where noted.

[07] Score Breakdown

Population Growth +0.0% 24 percentile
Income Growth +6.4% 97 percentile
Vacancy Rate 3.2% 1 percentile
Home Price Change -2.2% 10 percentile
Rent Growth +2.1% 36 percentile
Price/Rent 19x 19 percentile

Bars show percentile rank among all 1001 counties.

[08] Frequently Asked Questions

Is Monroe County, FL a good place to move to?

Monroe County ranks #141 out of 1001 U.S. counties on the Boom Town Index with a score of 86/100, placing it in the top tier nationally. Median household income is $87,738 and the underlying growth metrics (housing, migration, income) hold up against peer counties.

Is Monroe County affordable?

Affordability is a real challenge in Monroe County. The median home is valued at $780,600 — with an income-to-home-value ratio of just 0.11, that's significantly harder to afford than in most U.S. counties. Median rent runs $1,999/month.

Is Monroe County growing or shrinking?

Population and employment in Monroe County are both close to flat — population +0.0% YoY and jobs +0.3%. Home values shifted -2.2% over the past 12 months. A steady-state county, neither expanding quickly nor shrinking.

Are people moving to Monroe County?

There's a moderate stream of newcomers. About 3.6% of residents moved from another state, which is above average and suggests Monroe County has appeal as a relocation destination — though it's not among the highest-inflow counties nationally.

[09] Similar Counties by Size & Score

Leon County, FL 86 Okaloosa County, FL 85 Putnam County, FL 91 Bay County, FL 94 Walton County, FL 78 Escambia County, FL 70 Wayne County, NY 86 Montcalm County, MI 86