Cudjoe Key, FL population, income and ZIP codes

Cudjoe Key CDP is a small town in Florida, with 2,478 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #641 of 955 ranked by population — larger than 32% of them. The median age here is 54.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Cudjoe Key CDP earn a median of $84,890 a year, 8.1% above the national figure of $78,538 and 24% above the $68,617 median for the 775 Florida cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 10% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Cudjoe Key CDP is valued at $707,700, 133.3% above the national figure and 132% above the $305,300 peer median, while median gross rent runs $1,875 a month, 33.4% above the national figure, or roughly $22,500 across a full year. A household on the local median income would put about 26.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 8.3×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 76% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Home values sit at 8.3× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 54.7 puts Cudjoe Key CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.