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Monroe County, FL

Key West

RANK #809 / 996 NAT  ·  #25 / 41 FL  ·  POP 82,044

1YR FORECAST: -2.4%

5YR OUTLOOK: +16%

#32 Best Climate & Terrain
Our model projects Monroe County's housing market at -2.4% over the next year, underperforming most U.S. counties.

[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.

[02] Market Snapshot

Housing Ratio
8.9x

Overvalued relative to economy

GDP Growth
+3.4%

Above national median

Home Prices
-3.4%

Prices declining

Climate & Terrain
6.0

Favorable climate & terrain

Price/Rent
16x

Above national median (13x)

Housing looks overvalued at 8.9x — 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

The Numbers

DEMOGRAPHICS
Population
82,044
-0.24% YoY
Median Household Income
$80,111
Median Home Value
$696,900
-3.36% 12mo
Median Rent
$1,919
Average Annual Pay
$58,702
+3.5% YoY
Employment
47,058
+3.0% YoY
Income-to-Home-Value
0.115
Less affordable than average
Migration Inflow
2.67%
of pop. from another state
Bachelor's Degree+
36.3%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$997,500
Days on Market
124
Slower market
Months of Supply
11.2
Buyer's market
Sale-to-List Ratio
94.5%
Negotiation room for buyers
Sold Above List
3.3%
Listings w/ Price Drops
28.7%
Building Permits (2024)
334
Single-Family Permits
245

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

GDP Growth +3.4% 64 percentile
Population Growth -0.2% 18 percentile
Income Growth +9.5% 73 percentile
Vacancy Rate 3.5% 1 percentile
Home Price Change -3.4% 8 percentile
Rent Growth -1.4% 4 percentile
Price/Rent 16x 23 percentile

Bars show percentile rank among all 996 counties.

[08] Frequently Asked Questions

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

The data is not encouraging — Monroe County scores just 18/100 on the Boom Town Index, ranking #809 of 996 counties. Job growth at +3.0% and median household income of $80,111 reflect an economy that has been contracting or stagnating relative to the rest of the country.

Is Monroe County affordable?

Affordability is a real challenge in Monroe County. The median home is valued at $696,900 — with an income-to-home-value ratio of just 0.12, that's significantly harder to afford than in most U.S. counties. Median rent runs $1,919/month.

Is Monroe County growing or shrinking?

Employers in Monroe County are hiring — job growth of +3.0% — but the population is close to flat (-0.2% YoY). Home values moved -3.4% over the past year. Labor demand is outpacing local population growth, which tends to tighten wages and housing.

Are people moving to Monroe County?

There's a moderate stream of newcomers. About 2.67% 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

Citrus County, FL 18 Marion County, FL 18 Duval County, FL 19 Alachua County, FL 20 St. Johns County, FL 20 Collier County, FL 16 Sutter County, CA 18 Polk County, TX 18