ZIP Code Tabulation Area

33040

Key West, 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
35,429
Median household income
$86,586
People below poverty
10%
Median home value
$819,400

Income

The median income of households in 33040 was $86,586. An estimated 4.4% of households had income below $10,000 a year and 15.1% had income of $200,000 or more.

Household Income in 33040 in 2020-2024

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Percent
Less than $10,000 4.4
$10,000 to $14,999 3.1
$15,000 to $24,999 3.6
$25,000 to $34,999 6.1
$35,000 to $49,999 9.6
$50,000 to $74,999 17.7
$75,000 to $99,999 11.3
$100,000 to $149,999 18.3
$150,000 to $199,999 10.9
$200,000 or more 15.1

Median Earnings for Full-Time Year-Round Workers by Sex in 33040 in 2020-2024

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Dollars
Male 59309
Female 52252

An estimated 82.6% of households received earnings. An estimated 30.8% of households received Social Security and an estimated 22.3 % of households received retirement income other than Social Security. The average income from Social Security was $24,109. 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 33040 in 2020-2024

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Percent
Earnings 82.6
Social Security 30.8
Retirement income 22.3
Supplemental Security Income (SSI) 3.3
Cash public assistance income 3.2

Poverty and Participation in Government Programs

In 2020-2024, 10 % of people were in poverty. An estimated 7.4% of children under 18 were below the poverty level, compared with 10% of people 65 years old and over. An estimated 10.6% of people 18 to 64 years were below the poverty level.

Poverty Rates in 33040 in 2020-2024

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Percent
People in poverty 10
Children under 18 years below poverty 7.4
People 65 years old and over below poverty 10
People 18 to 64 years below poverty 10.6

In 2020-2024, 9.1 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 46.3% of households that received SNAP had children under 18, and 38% of households that received SNAP had one or more people 60 years and over. An estimated 16.1% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 33040 in 2020-2024, 84.9% had health insurance coverage and 15.1% did not have health insurance coverage. Private coverage was 63.6% and public coverage was 34.7%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 6.3%.


In 2020-2024, 33040 had a total population of 35,429 - 17,084 (48.2%) females and 18,345 (51.8%) males. The median age was 43.8 years. An estimated 16.2% of the population was under 18 years, 33.5% was 19 to 44 years, 29% was 45 to 64 years, and 19.8 % was 65 years and older.

Population by Age and Sex for 33040 in 2020-2024

Male Female
Under 5 1016 869
5 to 9 661 933
10 to 14 574 849
15 to 19 550 799
20 to 24 806 633
25 to 29 1128 984
30 to 34 1653 1383
35 to 39 1601 1324
40 to 44 1508 843
45 to 49 1082 967
50 to 54 1425 1023
55 to 59 1404 1765
60 to 64 1491 1126
65 to 69 1144 761
70 to 74 857 1396
75 to 79 626 742
80 to 84 483 375
85 and over 336 312

Hispanic Origin and Race

For people reporting one race alone, 61.4% were White; 14.4% were Black or African American; 6.3% were American Indian and Alaska Native; 2% were Asian; 3.5% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 16.9% reported Two or More Races. An estimated 25.4% of the people in 33040 were Hispanic or Latino. An estimated 55.1% of the people in 33040 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 14,574 households in 33040. The average household size was 2.35 people.

Married-couple households made up 44.5% of the households in 33040 while cohabiting couple households made up 7.4% of households. Female householders with no spouse or partner present were 21.6% of all households, while 26.5% of households had male householders with no spouse or partner present. Some households had one person, as 17.8% of households were male householders living alone, and 12.3% were female householders living alone, for a total of 30.1% of all households.

In 33040, 23% of all households had one or more people under the age of 18; 34.1% of all households had one or more people 65 years and over.

Types of Households in 33040 in 2020-2024

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Percent
Married-couple households 44.5
Cohabiting Couples 7.4
Male Householder
No spouse/partner present
26.5
Female Householder
No spouse/partner present
21.6

Marital Status

Among persons 15 and older, 46.7% of males and 47.8% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 34.4 28.2
Now married, except separated 46.7 47.8
Separated 1.6 1.2
Widowed 3.3 8.1
Divorced 14 14.8

Grandparents and Grandchildren

In 33040, 476 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 5.5% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 76.9% of the people living in 33040 were U.S. natives. 32.4% of the 33040 population were living in the state where they were born.

Approximately 23.1% of 33040 residents in 2020-2024 were foreign-born. 52% of foreign-born were naturalized U.S. citizens and an estimated 68.3 % entered the country before the year 2010.

Foreign-born residents of 33040 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 33040.

Region of Birth for the Foreign-Born Population in 33040 in 2020-2024

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Percent
Latin America 66.7
Asia 12.6
Europe 19
Africa 0.3
Northern America 0.9
Oceania 0.4

Language

Among people at least five years old living in 33040 in 2020-2024, 24.9 % spoke a language other than English at home. Spanish was spoken by 16.8% of people at least five years old; 11.9% 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 33040 in 2020-2024

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Percent
Spanish 16.8
Other Indo-European languages 6.6
Asian and Pacific Islander languages 1.4
Other languages 0.2

Geographic Mobility

In 2020-2024, 82.5 % of the people at least one year old living in 33040 were living in the same house one year earlier.

Geographic Mobility of Residents of 33040 in 2020-2024

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Percent
Same house 82.5
Different house, same county 9.9
Different county, same state 3.1
Different state 3.1
Abroad 1.4

Education

In 2020-2024, 92.2 % of people 25 years and over had at least graduated from high school and 38.2% had a bachelor's degree or higher. An estimated 7.8% did not complete high school.

The total school enrollment in 33040 was 5,808 in 2020-2024. Nursery school enrollment was 358 and kindergarten through 12th grade enrollment was 4,018. College or graduate school enrollment was 1,432.

Educational Attainment of People in 33040 in 2020-2024

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Percent
Less than high school diploma 7.8
High school diploma or equivalency 28.3
Some college, no degree 18.3
Associate's degree 7.4
Bachelor's degree 23.7
Graduate or professional degree 14.5

Disability

In 33040, among the civilian noninstitutionalized population in 2020-2024, 11.2 % reported a disability. The likelihood of having a disability varied by age - from 2.1% of people under 18 years old, to 8% of people 18 to 64 years old, and to 28.1% of those 65 and over.


Employment Status and Type of Employer

In 33040, 64.4 % of the population 16 and over were employed; 29.8% were not currently in the labor force.

An estimated 75.5% of the people employed were private wage and salary workers; 16.8% were federal, state, or local government workers; and 7.7 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 14,722 75.5
Federal, state, or local government workers 3,276 16.8
Self-employed workers in own not incorporated business 1,495 7.7

Industries

In 2020-2024, the civilian employed population 16 years and older in 33040 worked in the following industries:

Percent by Industry in 33040 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.7
Construction 8.8
Manufacturing 2
Wholesale trade 0.8
Retail trade 10.2
Transportation and warehousing, and utilities 7.9
Information 1.3
Finance and insurance, and real estate and rental and leasing 8.4
Professional, scientific, and management, and administrative and waste management services 9.3
Educational services, and health care and social assistance 15.1
Arts, entertainment, and recreation, and accommodation, and food services 23
Other Services, except public administration 5.4
Public administration 7.3

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 33040 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 6,363 32.6
Service occupations 4,812 24.7
Sales and office occupations 4,301 22
Natural resources, construction, and maintenance occupations 2,205 11.3
Production, transportation, and material moving occupations 1,829 9.4

Commuting to Work

An estimated 61.7% of 33040 workers drove to work alone in 2020-2024, and 9.3% carpooled. Among those who commuted to work, it took them on average 15.8 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 33040 in 2020-2024

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Percent
Car, truck, van -- drove alone 61.7
Car, truck, van -- carpooled 9.3
Public transportation (excluding taxicab) 0.3
Walked 3.2
Other means 14.4
Worked from home 11

In 2020-2024, 33040 had a total of 19,404 housing units. Of these housing units, 55.8% 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"). 38% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 5.6% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 33040 in 2020-2024

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Percent
Single-family houses 55.8
Apartments in multi-unit structures 38
Mobile homes 5.6
Boat, RV, van, etc 0.6

7% of the housing inventory was comprised of houses built since 2010, while 15.4% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 33040 was 4.2 rooms, and of these housing units 43.3% had three or more bedrooms.


In 2020-2024, 33040 had 14,574 housing units that were occupied or had people living in them, while the remaining 4,830 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 50.2% while renters occupied 49.8%. The average household size of owner-occupied houses was 2.29 and in renter-occupied houses it was 2.42.

2.6% of householders of these occupied houses had moved into their house since 2021, while 9.5% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 9.7% and another 13.4% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 33040:

House Heating Fuel Used in 33040 in 2020-2024

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Percent
Gas 2
Electricity 84.8
Fuel oil, kerosene, etc 0
All other fuels 0.2
No fuel used 13.1

In 2020-2024, the median property value for owner-occupied houses in 33040 was $819,400.

Of the owner-occupied households, 51.5 % had a mortgage. 48.5% 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 $3,414 and for owners without a mortgage it was $930.

For renter-occupied houses, the median gross rent for 33040 was $2,167. 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.