Aerial photographs of Florida, 1945
Stock Island’s story
Stock Island in pictures
Census counts: 4,446 in 1980, 4,722 in 2020. The archive holds 24 old photos and papers going back to 1945 and 3 maps from 1943 on.
Explore the history →Stock IslandFL
A town of 4,162.
Population
4,162
Census survey, 2020–24
Typical home
$667K
+1.9% in a year
Household income
$66K
median
Median age
34.5
years
Jobs based here
1,004
A commuter town
TownGrade
C
#324 of 634 in FL
Is Stock Island a good place to live?
FEMA rates its natural-hazard risk higher than 97% of U.S. communities, with hurricanes at the top. Overall it grades C, 324th of 634 graded towns in Florida. It is more walkable than 98% of U.S. towns. Its weakest subject is cost of living: homes are expensive, about $667K for a typical one and 7.6 times the Key West area’s $88K median household income. Stock Island’s average trip to work is 13 minutes, below both the Florida town median (27 minutes) and the median of U.S. towns (25 minutes). Among 638 Florida towns, just 1 have a higher January low than Stock Island. The biggest park or preserve is Florida Keys National Marine Sanctuary, at 806 acres.
What makes Stock Island stand out
Where Stock Island beats most towns, and one thing worth knowing.
WalkabilityA+
More walkable than 98% of U.S. towns
9.6% of workers walk, bike or ride transit
EPA National Walkability Index; Census ACS.
0historic places
History
0 historic places
A long history
Listed for their history, architecture or both.
Worth knowing · Natural hazardsD−
Hurricanes and coastal flooding at the top
FEMA National Risk Index.
A growing town
Stock Island has grown 21% from 2010 to 2020
3,919 counted in 2010 and 4,722 in 2020.
U.S. Census 2010 & 2020 counts
How Stock Island grades
Each subject compared with towns across the country (schools within Florida), ordered by how far Stock Island is from typical.
Its grades run from A+ for walkability (better than 98% of comparable towns) to D− for hazard risk (better than 2%), so the C overall blends very different results.
Hazard riskhurricanes tops the listD−Open →WalkabilityEPA walkability 15.6 of 20; 12.8% of households have no carA+Open →Cost of livingDOpen →SchoolsBeat 63% of Florida districts on tests and graduationBOpen →HealthLower Keys Medical Center 1.3 miles awayBOpen →Jobs & income$66K median household incomeB−Open →
Character Graded, but not part of the overall grade.
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.
How TownRatings grades towns →
Nearby attractions
All 13 attractions →Ernest Hemingway House and 10 more within 40 miles
Museums, parks, gardens and other places to visit around Stock Island. Close and well known come first.
4 mi MuseumErnest Hemingway House
4 mi LandmarkSouthernmost point buoy
5 mi State parkFort Zachary Taylor Historic State Park
4 mi MuseumHarry S. Truman Little White House
in town MuseumMartello Gallery-Key West Art and Historical Museum
4 mi MuseumMel Fisher Maritime Heritage MuseumSources: National Park Service · ski areas © OpenSkiMap / OpenStreetMap contributors · Wikidata · Wikipedia readership · photos via Wikimedia Commons
Photo credits
Ernest Hemingway House: Andreas Lamecker, CC BY 2.5 · Southernmost point buoy: Radomianin, CC BY-SA 4.0 · Fort Zachary Taylor Historic State Park: U.S. Department of Transportation, Public domain · Harry S. Truman Little White House: Bubba73, CC BY-SA 3.0 · Martello Gallery-Key West Art and Historical Museum: Averette at en.wikipedia, CC BY 3.0 · Mel Fisher Maritime Heritage Museum: Averette, CC BY-SA 3.0
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Getting set up
Moving to Stock Island: who provides what
Stock Island is unincorporated, so Monroe County and regional agencies provide most services.
PowerUtility Board of the City of Key West, F15.1¢/kWh · EIA 2025HIFLD · EIA
Internet4 providers100% of addresses get 100/20 MbpsFCC
Trash & county servicesMonroe CountyMonroe County provides services here
Register to voteOnlineIn Florida you can register online until 29 days before Election Day, in person until 29 days before Election Day, or by mail (postmarked 29 days before).vote.govWho runs elections hereMonroe Supervisor of ElectionsMonroe County; contacts on the Handbook page.FVAP, Dec 2025
ZIP code3304033040 100%Census 2020
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 Stock Island.
Stock Island is healthier than towns with similar incomes and has milder winter nights than nearly all U.S. towns, but it has homes that cost more against local pay than most of Florida.
HousingCost of living grade D
Stock Island stands out in Florida and nationally, with fewer of its households who own their home
At 7.6 years of the Key West area’s $88K median household income, the typical home (about $667K) costs more against local pay than in 87% of Florida towns; that ratio is one input to its D for cost of living. The typical value, about $667K, is 8% below its November 2023 peak.
28% of households own their home in Stock Island. The typical Stock Island home is worth about $667,000, up 1.9% in a year, 78% above the Florida typical home. The median rent in Stock Island is $2,013 a month.
$667KZillow home value
| Stock Island | Florida towns | U.S. towns | |
|---|---|---|---|
| Households that own their home | 28% | 72% | 73% |
| Median rent | $2,013 a month | $1,647 a month | $1,185 a month |
Typical home value
Stock Island$667K
Florida$375K
+1.9%
value change, 1 year
1
homes sold in May
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Natural hazardsHazard risk grade D−
Compared with most of Florida and the rest of the country, the FEMA risk score in Stock Island is higher
97risk score of 100
FEMA risk score
HurricanesCoastal flooding
4
federal disasters paid out here
FEMA National Risk Index · OpenFEMA
OutdoorsB
Stock Island has set aside 0.7% of its land for conservation
1.5 miles of trail in 1 park or preserve.
#156for trails in FL
| Stock Island | Florida towns | U.S. towns | |
|---|---|---|---|
| Miles of trail per square mile | 0.7 miles per square mile | 0.4 | 0.4 |
| Conserved land | 0.7% | 3% | 4.3% |
0.7%
conserved · 9 of 1,343 acres
1.5 mi
of trails · 0.7 per sq mi
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Florida Keys National Marine Sanctuary | 0.4 mi | 806 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
Work & commuteJobs & income grade B−
More than half of Stock Island’s working residents commute to Key West
The average commute for its 2,505 working residents takes 13.1 minutes, against 28 across Florida.
Most working residents leave Stock Island for work: only 9% work in town. Jobs based in Stock Island grew to 1,004 in 2023, 231 more than in 2013. The top destinations are Key West (57%), Big Coppitt Key (1%) and Fort Lauderdale (1%).
9%work in town
| Stock Island | Florida towns | U.S. towns | |
|---|---|---|---|
| Median household income | $66,000 | $73,000 | $80,000 |
| Working residents who work in town | 9.2% | 5% | 8% |
| Below the poverty line | 12% | 11% | 9.6% |
Where working residents work
In Stock Island9%
Key West57%
Big Coppitt Key1%
Fort Lauderdale1%
Marathon1%
4 mi
median commute distance
1,004
jobs based in Stock Island
A commuter town
jobs vs. working residents
A+
Walkability grade: more walkable than 98% of U.S. towns
Census LEHD 2023 · ACS
Who lives here
Younger than Florida overall
Only 27.6% of households own their home, against 67.6% across Florida.
People 65 and older are 10% of residents (21% statewide); adults 18 to 34 are 30% of residents (21% statewide). Stock Island’s median age is 34.5 years. 24% of adults 25 and older have a bachelor’s degree or more, vs 34% across Florida.
34.5median age · FL 42.6
| Stock Island | Florida towns | U.S. towns | |
|---|---|---|---|
| Aged 65 or older | 9.8% | 20% | 18% |
| Median age | 34.5 years | 42.5 years | 40.5 years |
| Bachelor’s degree or more, 25+ | 24% | 31% | 29% |
| Under 18 | 21% | 20% | 22% |
Stock IslandFloridaUnited States
Ages · share of residents
22%
Education · adults 25 and older
No diploma15%
High school40%
Some college14%
Associate’s6%
Bachelor’s18%
Graduate7%
Women and men · all residents
55% women, 45% men
That’s an even split within the survey’s margin of ±7.1 points. Across Florida, 50.9% of residents are women.
| Stock Island | FL | U.S. | |
|---|---|---|---|
| Under 10 | 13.7% | 10.3% | 11.6% |
| 10 to 17 | 7.7% | 9.2% | 10.3% |
| 18 to 24 | 8.6% | 8.1% | 9.1% |
| 25 to 34 | 21.6% | 12.7% | 13.7% |
| 35 to 44 | 20% | 12.7% | 13.2% |
| 45 to 54 | 11.4% | 12.3% | 12.2% |
| 55 to 64 | 7.1% | 13.4% | 12.7% |
| 65 to 74 | 7.1% | 11.7% | 10.2% |
| 75 and older | 2.7% | 9.6% | 7% |
| No diploma | 15.3% | 10.1% | 10.4% |
| High school | 40.1% | 27.2% | 26% |
| Some college | 13.9% | 18.5% | 19.1% |
| Associate’s | 6.4% | 10.1% | 8.8% |
| Bachelor’s | 17.5% | 21.3% | 21.6% |
| Graduate | 6.8% | 12.9% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates · in a town of 4,200, single groups can be off by several points
Climate
In Stock Island, expect mild winters and hot summers
January nights average 64.8°, milder than in 100% of U.S. towns; July afternoons average 90.3°. The Key West Nas weather station records that about 80 days a year reach 90°: more than most of the country, but fewer than 92% of Florida places with climate records.
Stock Island has warm winters and warm summers. Snow is almost unheard of.
91°summer high
Typical low → high °F
Winter66–77°
Spring72–83°
Summer79–90°
Fall75–85°
+1.6°
vs. the 20th-century average
91°
typical summer high
NOAA U.S. Climate Normals, 1991–2020
HealthB
On CDC estimates, Stock Island is healthier than 56% of U.S. towns
Against the 10,023 U.S. towns with household incomes like Stock Island’s, it is healthier than 76%, so its B isn’t only a matter of income.
Stock Island beats the Florida average on 5 of 31 CDC measures and trails it on 4. 20% of Stock Island adults 18 to 64 have no health insurance.
56%healthier than U.S. townsBHealth Grade
| Stock Island | Florida towns | U.S. towns | |
|---|---|---|---|
| No health insurance, 18–64 (CDC PLACES) | 20% | 14% | 8.1% |
| Depression (CDC PLACES) | 16% | 18% | 23% |
| Binge drink (CDC PLACES) | 18% | 15% | 16% |
| Obesity (CDC PLACES) | 29% | 32% | 35% |
31 measures vs. Florida
5 better22 too close to call4 worse
| What stands out | Stock Island | FL |
|---|---|---|
| Fewer adults who have had cancer | 6.6% | 9.1% |
| Fewer adults with heart disease | 5.9% | 7.5% |
| More older adults who have lost all their teeth | 19% | 12.7% |
Lower Keys Medical Center
1.3 mi away · emergency room
1 of 3
care shortages: mental health
49th
percentile among FL towns
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Keep exploring
Everything we know about Stock Island
17pages on Stock Island
The big questions
Out and about
The story
Day to day
After high school
Colleges nearby
1 within 15 miles of the center of Stock Island
About 5 of every 100 Stock Island residents are enrolled in college, about the same as Florida.
By the sea
Stock Island lives by the ocean
Coastal flooding makes up 30% of the storm damage FEMA expects here.
30%of expected storm damage is coastal flooding
100thpercentile for coastal flood risk nationally
4storm & flood disasters paid out here
FEMA National Risk Index · OpenFEMA · OpenStreetMap
About Stock Island
Census-designated place in Florida, United States
Stock Island is a census-designated place (CDP) and unincorporated community on the island of the same name in Monroe County, Florida, United States. The population of the CDP was 4,722 at the 2020 census, up from 3,919 in 2010. It is located on the portion of the island south of US 1. It is supposedly named for the herds of livestock formerly kept there. Alternatively, some local historians suggest that it may be named for an early settler.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Area
- 2.1 sq mi
- Elevation
- 3 ft
- Area code
- 305
Stock Island’s neighbors
One town shares a border with Stock Island.
Key WestStock Island
How the neighbors grade
| Town | FL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Stock Island | #324 | C | D | — | B | B |
| Key West | #345 | C | D− | C− | B | A− |
Stock Island reports no FBI crime data of its own. Compare Stock Island with a neighbor →
Questions about Stock Island
Short answers, built from the data on this page.
Is Stock Island, FL a good place to live?
Stock Island grades C overall, better than 33% of U.S. towns and #324 of 634 in Florida. It grades B for health and B for schools. Hazard risk is its weak spot, with a D−.
Is Stock Island, FL expensive?
Yes. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades D.