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Key Largo, FL Utility & Living Guide
Key Largo is an unincorporated area and census-designated place in Monroe County, Florida, United States, located on the island of Key Largo in the upper Florida Keys. The population was 12,447 at the 2020 census, up from 10,433 in 2010.
Monthly Utility Costs
$150/mo
—
$60/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1659/mo |
| 2 Bedrooms | $1844/mo |
| 3 Bedrooms | $2305/mo |
| Median Home Price | $595,500 |
| Property Tax Rate | 1.1% |
| Avg Childcare/mo | $950 |
The housing market in Key Largo is competitive, with high demand for waterfront properties. Prices have been rising due to limited inventory and the area’s popularity as a vacation destination.
Cost of Living
110
+10% above national average
105
95
102
$950
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 7.5% |
| Property Tax Rate | 1.1% |
| <p>State 6% + County 1% + City 0.5%</p> | |
Florida has no state income tax.
Family & Relocation
55
7/10
$950/mo
City Pulse
Public transit is limited; most families rely on cars, but sidewalks are generally accessible.
- John Pennekamp Coral Reef State Park
- Dolphins Plus Bayside
- Florida Keys Wild Bird Rehabilitation Center
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Key Largo based on your household profile.
📰 Live Local News
Key Largo has strict building codes due to hurricane risks, and short-term rental regulations are enforced.
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
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📊 Key Largo — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Electricity costs peak in summer due to high AC usage. Water usage remains steady year-round with slight increases in dry seasons.
🏛️ Local Tax Details
Key ZIP 33037: Property tax millage rate 1.1%, no local surtaxes specific to Key Largo.
👶 Family & Stroller Friendliness
6/10: Sidewalks are decent but uneven in some areas, parks are accessible, and family infrastructure is improving.
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