Monroe ZIP codes — Monroe County, Florida

Monroe County is a small city in Florida, with 81,840 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 48.9 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.

Households in Monroe County earn a median of $82,430 a year, 5% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 10.4% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Monroe County is valued at $723,800, 138.6% above the national figure, while median gross rent runs $1,959 a month, 39.3% above the national figure, or roughly $23,508 across a full year. A household on the local median income would put about 28.5% 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 8.8×, 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. 63.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 8.8× 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.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.