ZIP Code Tabulation Area

33037

Key Largo, FL · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
14,770
Median household income
$86,533
People below poverty
12%
Median home value
$683,000

Income

The median income of households in 33037 was $86,533. An estimated 5.2% of households had income below $10,000 a year and 18.6% had income of $200,000 or more.

Household Income in 33037 in 2020-2024

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Percent
Less than $10,000 5.2
$10,000 to $14,999 3.5
$15,000 to $24,999 6.2
$25,000 to $34,999 4.8
$35,000 to $49,999 7.1
$50,000 to $74,999 17.3
$75,000 to $99,999 12.1
$100,000 to $149,999 14
$150,000 to $199,999 11.2
$200,000 or more 18.6

Median Earnings for Full-Time Year-Round Workers by Sex in 33037 in 2020-2024

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Dollars
Male 61210
Female 50958

An estimated 63.8% of households received earnings. An estimated 46.9% of households received Social Security and an estimated 29.5 % of households received retirement income other than Social Security. The average income from Social Security was $27,284. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 33037 in 2020-2024

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Percent
Earnings 63.8
Social Security 46.9
Retirement income 29.5
Supplemental Security Income (SSI) 1.7
Cash public assistance income 1.1

Poverty and Participation in Government Programs

In 2020-2024, 12 % of people were in poverty. An estimated 14.1% of children under 18 were below the poverty level, compared with 12.3% of people 65 years old and over. An estimated 11.3% of people 18 to 64 years were below the poverty level.

Poverty Rates in 33037 in 2020-2024

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Percent
People in poverty 12
Children under 18 years below poverty 14.1
People 65 years old and over below poverty 12.3
People 18 to 64 years below poverty 11.3

In 2020-2024, 6.4 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 24.6% of households that received SNAP had children under 18, and 52.3% of households that received SNAP had one or more people 60 years and over. An estimated 39.5% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 33037 in 2020-2024, 90.6% had health insurance coverage and 9.4% did not have health insurance coverage. Private coverage was 59.4% and public coverage was 47.6%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 6%.


In 2020-2024, 33037 had a total population of 14,770 - 7,319 (49.6%) females and 7,451 (50.4%) males. The median age was 53.2 years. An estimated 13.6% of the population was under 18 years, 24.5% was 19 to 44 years, 28.7% was 45 to 64 years, and 31.1 % was 65 years and older.

Population by Age and Sex for 33037 in 2020-2024

Male Female
Under 5 125 230
5 to 9 275 97
10 to 14 373 526
15 to 19 356 332
20 to 24 402 259
25 to 29 571 366
30 to 34 140 210
35 to 39 356 399
40 to 44 492 427
45 to 49 464 535
50 to 54 506 493
55 to 59 551 388
60 to 64 631 668
65 to 69 666 780
70 to 74 494 368
75 to 79 431 337
80 to 84 366 609
85 and over 252 295

Hispanic Origin and Race

For people reporting one race alone, 69.8% were White; 3.4% were Black or African American; 7.6% were American Indian and Alaska Native; 0.2% were Asian; 1.4% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 18.4% reported Two or More Races. An estimated 29% of the people in 33037 were Hispanic or Latino. An estimated 65% of the people in 33037 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 6,083 households in 33037. The average household size was 2.41 people.

Married-couple households made up 53.1% of the households in 33037 while cohabiting couple households made up 7.1% of households. Female householders with no spouse or partner present were 21.6% of all households, while 18.2% of households had male householders with no spouse or partner present. Some households had one person, as 13.6% of households were male householders living alone, and 11% were female householders living alone, for a total of 24.6% of all households.

In 33037, 18.2% of all households had one or more people under the age of 18; 50.5% of all households had one or more people 65 years and over.

Types of Households in 33037 in 2020-2024

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Percent
Married-couple households 53.1
Cohabiting Couples 7.1
Male Householder
No spouse/partner present
18.2
Female Householder
No spouse/partner present
21.6

Marital Status

Among persons 15 and older, 54.3% of males and 51.9% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 27.2 18.7
Now married, except separated 54.3 51.9
Separated 0.5 0.5
Widowed 4.3 13.7
Divorced 13.6 15.2

Grandparents and Grandchildren

In 33037, 93 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 59.1% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 79% of the people living in 33037 were U.S. natives. 27.4% of the 33037 population were living in the state where they were born.

Approximately 21% of 33037 residents in 2020-2024 were foreign-born. 72.6% of foreign-born were naturalized U.S. citizens and an estimated 70.5 % entered the country before the year 2010.

Foreign-born residents of 33037 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 33037.

Region of Birth for the Foreign-Born Population in 33037 in 2020-2024

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Percent
Latin America 80.9
Asia 0.5
Europe 10
Africa 2.2
Northern America 5.7
Oceania 0.8

Language

Among people at least five years old living in 33037 in 2020-2024, 24.1 % spoke a language other than English at home. Spanish was spoken by 21% of people at least five years old; 7.7% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 33037 in 2020-2024

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Percent
Spanish 21
Other Indo-European languages 2.5
Asian and Pacific Islander languages 0.2
Other languages 0.4

Geographic Mobility

In 2020-2024, 89.7 % of the people at least one year old living in 33037 were living in the same house one year earlier.

Geographic Mobility of Residents of 33037 in 2020-2024

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Percent
Same house 89.7
Different house, same county 3.3
Different county, same state 3.6
Different state 1.4
Abroad 1.9

Education

In 2020-2024, 94.1 % of people 25 years and over had at least graduated from high school and 41.7% had a bachelor's degree or higher. An estimated 5.8% did not complete high school.

The total school enrollment in 33037 was 2,393 in 2020-2024. Nursery school enrollment was 54 and kindergarten through 12th grade enrollment was 1,735. College or graduate school enrollment was 604.

Educational Attainment of People in 33037 in 2020-2024

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Percent
Less than high school diploma 5.8
High school diploma or equivalency 27.5
Some college, no degree 17.3
Associate's degree 7.7
Bachelor's degree 24.9
Graduate or professional degree 16.8

Disability

In 33037, among the civilian noninstitutionalized population in 2020-2024, 13.8 % reported a disability. The likelihood of having a disability varied by age - from 6.8% of people under 18 years old, to 8.5% of people 18 to 64 years old, and to 26.1% of those 65 and over.


Employment Status and Type of Employer

In 33037, 51.6 % of the population 16 and over were employed; 46.2% were not currently in the labor force.

An estimated 71.5% of the people employed were private wage and salary workers; 15.3% were federal, state, or local government workers; and 12.8 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 4,814 71.5
Federal, state, or local government workers 1,029 15.3
Self-employed workers in own not incorporated business 860 12.8

Industries

In 2020-2024, the civilian employed population 16 years and older in 33037 worked in the following industries:

Percent by Industry in 33037 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.6
Construction 8.4
Manufacturing 4.3
Wholesale trade 1.6
Retail trade 7.8
Transportation and warehousing, and utilities 6.6
Information 0.7
Finance and insurance, and real estate and rental and leasing 6.2
Professional, scientific, and management, and administrative and waste management services 15.1
Educational services, and health care and social assistance 17
Arts, entertainment, and recreation, and accommodation, and food services 19.6
Other Services, except public administration 7.6
Public administration 4.7

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 33037 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 2,727 40.5
Service occupations 1,389 20.6
Sales and office occupations 1,438 21.3
Natural resources, construction, and maintenance occupations 541 8
Production, transportation, and material moving occupations 641 9.5

Commuting to Work

An estimated 65.8% of 33037 workers drove to work alone in 2020-2024, and 12.1% carpooled. Among those who commuted to work, it took them on average 25.8 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 33037 in 2020-2024

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Percent
Car, truck, van -- drove alone 65.8
Car, truck, van -- carpooled 12.1
Public transportation (excluding taxicab) 1.8
Walked 2.3
Other means 5.5
Worked from home 12.5

In 2020-2024, 33037 had a total of 10,568 housing units. Of these housing units, 65.4% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 21.2% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 13.1% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 33037 in 2020-2024

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Percent
Single-family houses 65.4
Apartments in multi-unit structures 21.2
Mobile homes 13.1
Boat, RV, van, etc 0.4

12.1% of the housing inventory was comprised of houses built since 2010, while 0.2% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 33037 was 4.6 rooms, and of these housing units 49.8% had three or more bedrooms.


In 2020-2024, 33037 had 6,083 housing units that were occupied or had people living in them, while the remaining 4,485 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 79.2% while renters occupied 20.8%. The average household size of owner-occupied houses was 2.31 and in renter-occupied houses it was 2.81.

1% of householders of these occupied houses had moved into their house since 2021, while 7% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 4.9% and another 18.5% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 33037:

House Heating Fuel Used in 33037 in 2020-2024

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Percent
Gas 5.1
Electricity 85.2
Fuel oil, kerosene, etc 0.4
All other fuels 0.1
No fuel used 9.1

In 2020-2024, the median property value for owner-occupied houses in 33037 was $683,000.

Of the owner-occupied households, 36.5 % had a mortgage. 63.5% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $2,723 and for owners without a mortgage it was $841.

For renter-occupied houses, the median gross rent for 33037 was $1,899. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.