33037 ZIP Code — Key Largo, FL

Monroe County, Florida

ZIP code 33037 is located in Key Largo, Florida, within Monroe County. It covers approximately 32.91 square miles and serves a population of 13,265 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 305.

About ZIP code 33037

The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $632,000. Owner-occupancy is high at 79%, well above the national average.

The gap between median ($73,724) and mean household income suggests income inequality — a small number of higher earners pull the average up. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 29 minutes is near the national average.

Educational attainment is near the national average, with 39% of residents holding a bachelor's degree or higher.

Overall, ZIP code 33037 reflects a community defined by high homeownership and a significant Social Security-dependent population.

13,265

population

32.91

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

33037 ZIP code map

Cities in ZIP code 33037

Below are the cities the US Postal Service accepts for ZIP code 33037. Using any city not on this list may result in mail delivery delays.

City	Status
Key Largo	Acceptable
Key Largo	Preferred

Nearby ZIP codes

33035 Homestead (13.6 mi) 33070 Tavernier (15.3 mi)

Demographics updated 05/2026

Population
Total population	13,265
Population density	403 / sq mi
State FIPS	12
County FIPS	087

Geography
Land area	32.91 sq mi
Water area	87.85 sq mi
Latitude	25.1872
Longitude	-80.3793
Timezone	Eastern (ET)
Area code	305

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.8%	34.6%	43.4%
$50k – $100k	35.1%	30.1%	30.8%
$100k – $200k	19.2%	25.6%	19.3%
Over $200k	11.9%	9.7%	6.4%

Demographics & statistics

13,265

Population

403

People per sq mi

53.5

Median age

$73,724

Median household income

$57,934

Per capita income

$632,000

Median home value

$1,848

Median monthly rent

78.7%

Home ownership

12.2%

Poverty rate

5.8%

Unemployment

9,208

Housing units

39.4%

Bachelor's or higher

Age distribution

Male Female

166

Under 5

163

202

5–9

198

372

10–14

365

232

15–19

227

274

20–24

268

517

25–34

506

861

35–44

844

899

45–54

880

386

55–59

378

738

60–64

723

1,051

65–74

1,030

747

75–84

732

256

85+

250

← Male

Female →

Age summary

Group	Count	%
Under 18	1,714	12.9%
18 and over	11,551	87.1%
65 and over	4,066	30.7%
Median age	53.5 years

Race & ethnicity

White 71.1%

Hispanic or Latino 13.2%

Two or more races 11.4%

Other race 2.7%

Black or African American 1.1%

Asian 0.6%

Group	Count	%
White	10,863	71.1%
Hispanic or Latino	2,017	13.2%
Two or more races	1,735	11.4%
Other race	407	2.7%
Black or African American	169	1.1%
Asian	91	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.8%	34.6%	43.4%
$50k – $100k	35.1%	30.1%	30.8%
$100k – $200k	19.2%	25.6%	19.3%
Over $200k	11.9%	9.7%	6.4%

Under $10k 5.9%

$10k–$15k 4.4%

$15k–$25k 6.9%

$25k–$35k 5.0%

$35k–$50k 10.4%

$50k–$75k 18.7%

$75k–$100k 11.9%

$100k–$150k 15.3%

$150k–$200k 6.2%

$200k+ 15.4%

Range	% of households
Under $10k	5.9%
$10k–$15k	4.4%
$15k–$25k	6.9%
$25k–$35k	5.0%
$35k–$50k	10.4%
$50k–$75k	18.7%
$75k–$100k	11.9%
$100k–$150k	15.3%
$150k–$200k	6.2%
$200k+	15.4%
Median income	$73,724

Housing

Home values

Under $50k 2.5%

$50k–$100k 2.2%

$100k–$150k 4.5%

$150k–$200k 1.4%

$200k–$300k 5.8%

$300k–$500k 22.1%

$500k–$1M 36.6%

$1M+ 25.0%

Housing overview

Metric	Value
Median home value	$632,000
Median rent / month	$1,848
Owner occupied	78.7%
Renter occupied	21.3%
Vacant	46.1%
Single-family detached	61.3%
Large apartment buildings	4.5%
Mobile homes	12.3%
Median rooms	4.5
Avg household size (owned)	2.19

Year built

Era	%
2020 or later	1.7%
2010–2019	8.3%
2000–2009	9.0%
1990–1999	17.2%
1980–1989	26.0%
1970–1979	26.3%
1960–1969	6.8%
1950–1959	4.5%
1940–1949	0.2%
1939 or earlier	0.1%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	8.4%
2 bedrooms	38.1%
3 bedrooms	34.9%
4 bedrooms	12.5%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	4.3%
1 vehicle	33.8%
2 vehicles	42.5%
3 or more	19.3%

Heating fuel

Fuel type	%
Utility gas	2.8%
Electricity	86.7%
Propane / LP gas	1.3%
No fuel used	9.1%

Households & families

Household type	Count	%
Married-couple family	2,951	52.6%
Cohabiting couple	404	7.2%
Male householder, no spouse	982	17.5%
Female householder, no spouse	1,276	22.7%
Households with children under 18	978	17.4%
Households with seniors (65+)	2,722	48.5%
Average household size	2.35

Marital status

Status	Male	Female
Never married	26.4%	18.0%
Married	56.9%	52.9%
Separated	0.7%	0.8%
Widowed	4.0%	14.7%
Divorced	12.1%	13.5%

Education

Less than 9th grade 3.2%

Some HS, no diploma 4.8%

HS graduate 27.7%

Some college, no degree 17.9%

Associate's degree 6.9%

Bachelor's degree 23.0%

Graduate / professional 16.4%

Metric	%
HS diploma or higher	91.9%
Bachelor's or higher	39.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	136	6.3%
Kindergarten	151	7.0%
Elementary school	823	38.4%
High school	495	23.1%
College / grad school	541	25.2%

Employment

Industry of employment

Arts, food & hospitality 21.7%

Professional & management 14.1%

Education & healthcare 13.9%

Retail trade 10.0%

Transportation & utilities 8.2%

Construction 8.0%

Other services 7.8%

Public administration 4.8%

Finance & real estate 4.5%

Manufacturing 3.1%

Wholesale trade 2.4%

Information 1.2%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	35.9%
Service	27.5%
Sales & office	19.6%
Natural resources & construction	8.1%
Production & transportation	8.9%

Employment type

Type	%
Private sector	73.9%
Government	14.3%
Self-employed	11.4%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	78.7%
Carpool	5.9%
Public transit	1.2%
Walk	1.8%
Work from home	9.7%
Other means	2.7%
Avg commute (minutes)	28.5

Poverty

All people 12.2%

Under 18 years 10.7%

18 and over 12.4%

Married-couple families 7.5%

Female-led households 23.8%

Income support

Source	% of households
Social Security	46.7%
Retirement income	26.6%
Supplemental Security	1.3%
Cash public assistance	1.0%
Food stamps / SNAP	5.1%

Health indicators

Condition	%
Obesity	30.6%
High blood pressure	35.0%
High cholesterol	35.1%
Diabetes	12.2%
Heart disease	8.1%
Stroke	3.6%
Asthma	8.3%
Arthritis	26.4%
Kidney disease	3.5%
Pulmonary disease	8.7%
Cancer	7.9%

Behavior / access	%
Smoking	17.3%
Binge drinking	16.6%
No physical activity	24.9%
Less than 7 hrs sleep	33.5%
Depression	18.0%
Fair or poor health	16.4%
Poor mental health	13.9%
Poor physical health	12.1%
No health insurance	20.2%
Visited doctor (checkup)	74.3%
Visited dentist	64.2%
Cholesterol screening	92.5%
Teeth loss	11.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,088	9.5%

Disability	%
Any disability	13.5%
Under 18	1.9%
18–64 years	8.3%
65 and over	27.9%

Health insurance coverage

Type	%
Private insurance	59.8%
Public insurance	45.6%
No insurance	12.4%
Uninsured under 19	3.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	12,936	97.5%
Spanish	1,093	8.4%
Other Indo-European	1,041	8.0%
Asian & Pacific Islander	37	0.3%
Other languages	15	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,485	79.0%
Born in same state	10,348	78.0%
Born in different state	4,115	31.0%
Foreign born	137	1.0%
Naturalized citizen	2,780	21.0%
Not a US citizen	2,387	85.9%

Ancestry

Ancestry	Count	%
Italian	2,079	15.7%
French	1,497	11.3%
Arab	1,046	7.9%
English	179	1.3%
Polish	166	1.3%

Ancestry	Count	%
Norwegian	57	0.4%
Irish	24	0.2%
German	21	0.2%
Dutch	17	0.1%

Technology access

Metric	% of households
Computer access	42.3%
Internet access	96.2%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 33037

What city is ZIP code 33037 in?

ZIP code 33037 is primarily assigned to Key Largo, Florida.

What county is ZIP code 33037 in?

ZIP code 33037 falls within Monroe County, Florida.

Does ZIP code 33037 have an older population?

31% of residents in ZIP code 33037 are 65 or older, above the national average of ~17%.

Does ZIP code 33037 have a large retiree population?

47% of households in ZIP code 33037 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 33037?

The median home value in ZIP code 33037 is $632,000.

Does ZIP code 33037 have a large veteran population?

10% of civilians in ZIP code 33037 are veterans, above the national average of ~7%.

What timezone is ZIP code 33037 in?

ZIP code 33037 observes the EST timezone.