33042 ZIP Code — Summerland Key, FL

Monroe County, Florida

ZIP code 33042 is located in Summerland Key, Florida, within Monroe County. It covers approximately 27.59 square miles and serves a population of 6,990 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 305.

About ZIP code 33042

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $703,100. Owner-occupancy is high at 79%, well above the national average.

The gap between median ($104,325) and mean household income suggests income inequality — a small number of higher earners pull the average up. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 33042 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

6,990

population

27.59

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

33042 ZIP code map

Cities in ZIP code 33042

Below are the cities the US Postal Service accepts for ZIP code 33042. Using any city not on this list may result in mail delivery delays.

City	Status
Summerland Key	Acceptable
Summerland Key	Preferred

Nearby ZIP codes

33043 Big Pine Key (10.7 mi)

Demographics updated 05/2026

Population
Total population	6,990
Population density	253 / sq mi
State FIPS	12
County FIPS	087

Geography
Land area	27.59 sq mi
Water area	95.78 sq mi
Latitude	24.6750
Longitude	-81.4849
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	24.4%	34.6%	43.4%
$50k – $100k	30.7%	30.1%	30.8%
$100k – $200k	31.1%	25.6%	19.3%
Over $200k	13.7%	9.7%	6.4%

Demographics & statistics

6,990

Population

253

People per sq mi

52.5

Median age

$104,325

Median household income

$68,678

Per capita income

$703,100

Median home value

$2,193

Median monthly rent

78.9%

Home ownership

8.6%

Poverty rate

2.9%

Unemployment

4,111

Housing units

42.5%

Bachelor's or higher

Age distribution

Male Female

121

Under 5

103

147

5–9

125

162

10–14

138

161

15–19

137

125

20–24

107

375

25–34

319

405

35–44

344

563

45–54

478

372

55–59

316

331

60–64

281

630

65–74

535

335

75–84

285

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,008	14.4%
18 and over	5,982	85.6%
65 and over	1,880	26.9%
Median age	52.5 years

Race & ethnicity

White 76.9%

Two or more races 12.3%

Hispanic or Latino 8.6%

Black or African American 1.8%

Asian 0.4%

Group	Count	%
White	5,879	76.9%
Two or more races	940	12.3%
Hispanic or Latino	656	8.6%
Black or African American	141	1.8%
Asian	30	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.4%	34.6%	43.4%
$50k – $100k	30.7%	30.1%	30.8%
$100k – $200k	31.1%	25.6%	19.3%
Over $200k	13.7%	9.7%	6.4%

Under $10k 5.9%

$10k–$15k 0.4%

$15k–$25k 2.6%

$25k–$35k 3.4%

$35k–$50k 10.2%

$50k–$75k 13.6%

$75k–$100k 12.0%

$100k–$150k 20.3%

$150k–$200k 15.9%

$200k+ 15.6%

Range	% of households
Under $10k	5.9%
$10k–$15k	0.4%
$15k–$25k	2.6%
$25k–$35k	3.4%
$35k–$50k	10.2%
$50k–$75k	13.6%
$75k–$100k	12.0%
$100k–$150k	20.3%
$150k–$200k	15.9%
$200k+	15.6%
Median income	$104,325

Housing

Home values

Under $50k 1.4%

$50k–$100k 0.7%

$100k–$150k 0.8%

$150k–$200k 0.8%

$200k–$300k 7.7%

$300k–$500k 13.3%

$500k–$1M 49.5%

$1M+ 25.9%

Housing overview

Metric	Value
Median home value	$703,100
Median rent / month	$2,193
Owner occupied	78.9%
Renter occupied	21.1%
Vacant	36.3%
Single-family detached	82.7%
Large apartment buildings	0.6%
Mobile homes	9.3%
Median rooms	3.9
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	1.3%
2010–2019	7.2%
2000–2009	14.5%
1990–1999	24.1%
1980–1989	28.9%
1970–1979	16.5%
1960–1969	4.1%
1950–1959	1.5%
1940–1949	1.6%
1939 or earlier	0.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.1%
1 bedroom	10.0%
2 bedrooms	43.7%
3 bedrooms	37.7%
4 bedrooms	6.9%
5+ bedrooms	0.8%

Vehicles per household

Vehicles	% of households
No vehicle	1.1%
1 vehicle	36.1%
2 vehicles	43.4%
3 or more	19.4%

Heating fuel

Fuel type	%
Utility gas	1.9%
Electricity	86.9%
Propane / LP gas	3.8%
Fuel oil	0.2%
Solar	0.2%
No fuel used	7.0%

Households & families

Household type	Count	%
Married-couple family	1,757	58.1%
Cohabiting couple	237	7.8%
Male householder, no spouse	559	18.5%
Female householder, no spouse	470	15.5%
Households with children under 18	609	20.1%
Households with seniors (65+)	1,218	40.3%
Average household size	2.31

Marital status

Status	Male	Female
Never married	21.8%	17.4%
Married	59.2%	65.9%
Separated	1.3%	0.7%
Widowed	1.9%	7.0%
Divorced	15.9%	9.0%

Education

Less than 9th grade 2.3%

Some HS, no diploma 1.4%

HS graduate 24.2%

Some college, no degree 20.7%

Associate's degree 8.8%

Bachelor's degree 25.5%

Graduate / professional 17.1%

Metric	%
HS diploma or higher	96.3%
Bachelor's or higher	42.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	51	4.9%
Kindergarten	47	4.5%
Elementary school	434	41.5%
High school	236	22.6%
College / grad school	277	26.5%

Employment

Industry of employment

Education & healthcare 17.3%

Arts, food & hospitality 15.4%

Construction 12.2%

Professional & management 10.9%

Retail trade 9.2%

Public administration 8.0%

Finance & real estate 7.5%

Transportation & utilities 6.6%

Other services 4.4%

Wholesale trade 3.1%

Manufacturing 2.2%

Information 1.8%

Agriculture & mining 1.4%

Occupation

Category	%
Management, business & arts	40.0%
Service	16.6%
Sales & office	21.3%
Natural resources & construction	14.7%
Production & transportation	7.5%

Employment type

Type	%
Private sector	72.3%
Government	17.3%
Self-employed	10.1%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	69.2%
Carpool	5.2%
Public transit	0.5%
Walk	1.5%
Work from home	18.4%
Other means	5.2%
Avg commute (minutes)	28.4

Poverty

All people 8.6%

Under 18 years 7.6%

18 and over 8.8%

Married-couple families 2.9%

Female-led households 30.7%

Income support

Source	% of households
Social Security	38.3%
Retirement income	33.7%
Supplemental Security	2.0%
Cash public assistance	0.5%
Food stamps / SNAP	4.5%

Health indicators

Condition	%
Obesity	27.9%
High blood pressure	32.4%
High cholesterol	34.9%
Diabetes	9.9%
Heart disease	7.0%
Stroke	2.9%
Asthma	7.8%
Arthritis	24.6%
Kidney disease	2.9%
Pulmonary disease	7.2%
Cancer	8.1%

Behavior / access	%
Smoking	14.8%
Binge drinking	18.0%
No physical activity	19.8%
Less than 7 hrs sleep	32.1%
Depression	17.5%
Fair or poor health	12.1%
Poor mental health	12.8%
Poor physical health	9.9%
No health insurance	14.4%
Visited doctor (checkup)	74.1%
Visited dentist	71.1%
Cholesterol screening	93.9%
Teeth loss	9.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	666	11.2%

Disability	%
Any disability	10.6%
Under 18	1.6%
18–64 years	7.5%
65 and over	21.9%

Health insurance coverage

Type	%
Private insurance	76.7%
Public insurance	33.2%
No insurance	9.3%
Uninsured under 19	10.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,766	96.8%
Spanish	223	3.3%
Other Indo-European	171	2.5%
Asian & Pacific Islander	47	0.7%
Other languages	5	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,436	92.1%
Born in same state	6,280	89.8%
Born in different state	1,785	25.5%
Foreign born	156	2.2%
Naturalized citizen	554	7.9%
Not a US citizen	318	57.4%

Ancestry

Ancestry	Count	%
French	980	14%
Italian	883	12.6%
Arab	477	6.8%
English	135	1.9%

Ancestry	Count	%
Polish	75	1.1%
Norwegian	61	0.9%
German	57	0.8%
Irish	23	0.3%

Technology access

Metric	% of households
Computer access	43.2%
Internet access	98.6%

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

Frequently asked questions about ZIP code 33042

What city is ZIP code 33042 in?

ZIP code 33042 is primarily assigned to Summerland Key, Florida.

What county is ZIP code 33042 in?

ZIP code 33042 falls within Monroe County, Florida.

Does ZIP code 33042 have an older population?

27% of residents in ZIP code 33042 are 65 or older, above the national average of ~17%.

Does ZIP code 33042 have a large retiree population?

38% of households in ZIP code 33042 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 33042 have a large veteran population?

11% of civilians in ZIP code 33042 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 33042?

The median home value in ZIP code 33042 is $703,100.

What timezone is ZIP code 33042 in?

ZIP code 33042 observes the EST timezone.