Cudjoe KeyFL
A town of 2,492.
Is Cudjoe Key a good place to live?
The best of Cudjoe Key’s subject grades are an A for walkability and the outdoors; the weakest is a D− for hazard risk. 35% of residents are 65 or older in Cudjoe Key, above both Florida’s towns (20%) and U.S. towns (18%). On hazard risk, just 3 of Florida’s 779 towns do worse. Homes are expensive, about $857K for a typical one and 9.8 times the Key West area’s $88K median household income. 26% of the land in Cudjoe Key is conserved, above both the Florida town median (3%) and the median of U.S. towns (4.3%). Only 27 of Florida’s 779 towns score higher on the outdoors. The biggest park or preserve is Florida Keys National Marine Sanctuary, at 3,088 acres. Cudjoe Key has fewer than 2,500 residents, so it gets subject grades but no overall grade.
What makes Cudjoe Key stand out
Where Cudjoe Key beats most towns, and one thing worth knowing.
Cudjoe Key lives by the ocean
Coastal flooding makes up 43% of the storm damage FEMA expects here.
FEMA National Risk Index · OpenFEMA · OpenStreetMap
How Cudjoe Key grades
Each subject compared with towns across the country (schools within Florida), ordered by how far Cudjoe Key is from typical.
How TownRatings grades towns →
Moving to Cudjoe Key: who provides what
Cudjoe Key is unincorporated, so Monroe County and regional agencies provide most services.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 17, 2025.
The data
Ordered by what stands out in Cudjoe Key.
The FEMA risk score in Cudjoe Key is higher than in the typical Florida or U.S. town
The FEMA risk score in Cudjoe Key is 99 of 100.
FEMA National Risk Index · OpenFEMA
Conserved land covers nearly a quarter of Cudjoe Key
7.7 miles of trail in 3 parks and preserves. Cudjoe Key’s trail density is 0.7 miles per square mile.
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. National Key Deer Refuge | 4.7 mi | 2,514 |
| 2. Florida Keys National Marine Sanctuary | — | 3,088 |
| 3. Great White Heron National Wildlife Refuge | — | 252 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Older than Florida overall
People 65 and older are 35% of residents (21% statewide); children under 18 are 13% of residents (20% statewide). 41% of Cudjoe Key adults 25 and older hold a bachelor’s degree or more.
| Cudjoe Key | Florida towns | U.S. towns | |
|---|---|---|---|
| Median age | 54.4 years | 42.5 years | 40.5 years |
| Under 18 | 13% | 20% | 22% |
| Bachelor’s degree or more, 25+ | 41% | 31% | 29% |
Ages · share of residents
Education · adults 25 and older
Women and men · all residents
50% women, 50% men
That’s an even split within the survey’s margin of ±4.5 points. Across Florida, 50.9% of residents are women. Among residents 65 to 74, 62% are men (FL 46%).
| Cudjoe Key | FL | U.S. | |
|---|---|---|---|
| Under 10 | 5.4% | 10.3% | 11.6% |
| 10 to 17 | 7.7% | 9.2% | 10.3% |
| 18 to 24 | 2.9% | 8.1% | 9.1% |
| 25 to 34 | 13.2% | 12.7% | 13.7% |
| 35 to 44 | 10% | 12.7% | 13.2% |
| 45 to 54 | 11% | 12.3% | 12.2% |
| 55 to 64 | 14.7% | 13.4% | 12.7% |
| 65 to 74 | 20.7% | 11.7% | 10.2% |
| 75 and older | 14.3% | 9.6% | 7% |
| No diploma | 3.5% | 10.1% | 10.4% |
| High school | 30.1% | 27.2% | 26% |
| Some college | 17.9% | 18.5% | 19.1% |
| Associate’s | 7.8% | 10.1% | 8.8% |
| Bachelor’s | 24.1% | 21.3% | 21.6% |
| Graduate | 16.5% | 12.9% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates · in a town of 2,500, single groups can be off by several points
With 0.5 jobs for every working resident, most of Cudjoe Key’s workers commute out
Most working residents leave Cudjoe Key for work: only 11% work in town. Jobs based in Cudjoe Key grew to 399 in 2023, 215 more than in 2013. 19% of workers work from home in Cudjoe Key.
| Cudjoe Key | Florida towns | U.S. towns | |
|---|---|---|---|
| Average trip to work | 31 minutes | 27 minutes | 25 minutes |
| Work from home | 19% | 14% | 11% |
| Working residents who work in town | 11% | 5% | 8% |
| Median household income | $88,000 | $73,000 | $80,000 |
Where working residents work
Census LEHD 2023 · ACS
On CDC estimates, Cudjoe Key is healthier than 66% of U.S. towns
Cudjoe Key beats the Florida average on 11 of 31 CDC measures and trails it on 5.
| Cudjoe Key | Florida towns | U.S. towns | |
|---|---|---|---|
| High blood pressure (CDC PLACES) | 42% | 37% | 35% |
| Depression (CDC PLACES) | 17% | 18% | 23% |
| Frequent mental distress (CDC PLACES) | 14% | 16% | 17% |
| Sleep under 7 hours (CDC PLACES) | 33% | 37% | 36% |
| What stands out | Cudjoe Key | FL |
|---|---|---|
| Fewer adults facing food insecurity | 9.7% | 16.8% |
| Fewer adults facing housing insecurity | 8.1% | 13.9% |
| More adults who have had cancer | 12.8% | 9.1% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Cudjoe Key has mild winters and hot summers
Cudjoe Key has warm winters and warm summers. July afternoons reach 90°, January nights drop to 64° and snow is almost unheard of.
Typical low → high °F
NOAA U.S. Climate Normals, 1991–2020
Cudjoe Key earns a D− for cost of living
Zillow Home Value Index · Redfin Data Center
Everything we know about Cudjoe Key
Colleges nearby
None within 15 miles of Cudjoe Key; the nearest are
About 5 of every 100 Cudjoe Key residents are enrolled in college, about the same as Florida.
Cudjoe Key has grown 15% from 2010 to 2020
1,763 counted in 2010 and 2,019 in 2020.
U.S. Census 2010 & 2020 counts
Questions about Cudjoe Key
Short answers, built from the data on this page.
Is Cudjoe Key, FL expensive?
Yes. The typical home is worth about $857,000, 128% above the Florida typical home. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades D−.