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Key Largo, FL Utility & Living Guide
Living in Key Largo offers a tropical paradise with stunning ocean views and a laid-back lifestyle.
Monthly Utility Costs
$150/mo
—
$60/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1300/mo |
| 2 Bedrooms | $1700/mo |
| 3 Bedrooms | $2200/mo |
| Median Home Price | $350,000 |
| 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.
Local Briefing & Neighborhood Pulse
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
Find Another City Guide
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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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