ZIP code 33040

ZIP 33040 is a small city in Monroe County, Florida, with 36,091 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #186 of 1,013 ranked by population — larger than 81% of them. The median age here is 44.4 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 33040 earn a median of $79,038 a year, essentially level with the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 10.8% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 33040 is valued at $766,400, 152.6% above the national figure, while median gross rent runs $2,079 a month, 47.9% above the national figure, or roughly $24,948 across a full year. A household on the local median income would put about 31.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 9.7×, 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. 48.3% 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 9.7× 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.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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.

ZIP 33040 is tabulated inside Monroe County, Florida, one of 9 ZIP areas the Census publishes for that county and 1,013 across Florida. This is a dense urban ZIP, where a single postal boundary can hold more residents than an entire rural county. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 33040 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 33040 reports a median household income of $79,038, 5% below the $83,243 county median, and 13% above the $69,820 typical FL ZIP. Owner-occupied homes are valued at a median of $766,400, 9% above the county figure and 159% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $2,079 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Florida charges 6% statewide, and local governments overlapping 33040 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 33040 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.