Cudjoe KeyFL
A town in Florida, home to 2,492 people.
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
Of the losses FEMA expects in Cudjoe Key, 50% come from hurricanes and 43% from coastal flooding. Households locally have drawn federal disaster aid in 4 declared disasters, most recently in 2022. Expected storm and flood damage is higher than in 99% of U.S. communities.
FEMA disaster declarations and aid · FEMA National Risk Index · OpenFEMA
Protected land: nearly a quarter of Cudjoe Key
Count the trails in 3 parks and preserves and they come to 7.7 miles. Cudjoe Key’s concentration of trails 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
Cudjoe Key skews older than Florida
For residents in Cudjoe Key, the share who are under 18 is 13%. Just over two in five adults 25 and older hold at least a bachelor’s degree, against 34% across Florida. The age of the median resident for Cudjoe Key comes to 54.4 years.
| 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
In Cudjoe Key, just over a tenth of working residents work locally. Jobs in Cudjoe Key grew by 215 from 2013 to 2023, reaching 399. Also worth knowing: for Cudjoe Key, the mean commuting time is 31 minutes. Half commute less than 21 miles.
| 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 two in three U.S. towns
Among adults in Cudjoe Key, 23% get no exercise outside work. On the CDC’s 31 measures, Cudjoe Key is ahead of Florida on 11 and behind on 5. Two figures for adults in the town: 17% have been diagnosed with depression, 14% report frequent mental distress.
| 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
The climate in Cudjoe Key brings mild winters and hot summers
The midsummer high in Cudjoe Key is 90°F.
Typical low → high °F
NOAA U.S. Climate Normals, 1991–2020
The median home in Cudjoe Key sells for about $955K
For Cudjoe Key, the median rent is $1,864 a month. Cudjoe Key: nearly four in five households are owner-occupiers.
| Cudjoe Key | Florida towns | U.S. towns | |
|---|---|---|---|
| Median rent | $1,864 a month | $1,647 a month | $1,185 a month |
| Households that own their home | 79% | 72% | 73% |
Census ACS, 2020–24 · 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−.