Cudjoe Key, FL 33042 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Cudjoe Key, FL—33042

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$991,000

5.9% YoY Growth

Household Income

$102,000

21.7% YoY Growth

Days on Market

10.0% Shorter YoY

Home Price Forecast

2.0%

Median Rent

$4,500

12.0% YoY Growth

1-Bed Rent

N/A

2-Bed Rent

$3,850

7.6% YoY Growth

3-Bed Rent

$4,800

19.9% YoY Growth

Home Price Trends — Cudjoe Key, FL

As of Dec '25, the median home price in Cudjoe Key, FL is $991,000, with a year-over-year change of -5.9%. This indicates that home prices in Cudjoe Key, FL are decreasing. According to Zillow, the 1-year price projection is 2.0%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$991,000	-5.9%
Single Family	$993,000	-5.7%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Cudjoe Key, FL

As of July '25, Rentcast reports the average rent in Cudjoe Key, FL is $4,560, with a year-over-year rent change of -12.0%. Per bedroom, the median rent as of July '25 in Cudjoe Key, FL is 2-bedrooms: $3,890, 3-bedrooms: $4,820, 4-bedrooms: $5,900. The most common rental property sizes in Cudjoe Key, FL are 2-bedroom and 3-bedroom, accounting for 50.7% and 28.1% of the rental stock.

Type	Median Rent	Average Rent
Average Rent	$4,500	$4,560
Studio Rent	N/A	N/A
1 Bed Rent	N/A	N/A
2 Bed Rent	$3,850	$3,890
3 Bed Rent	$4,800	$4,820
4 Bed Rent	$5,900	$5,900

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% of Rental Stock

Studio

1.1%

1 Bedroom

13.5%

2 Bedrooms

50.7%

3 Bedrooms

28.1%

4 Bedrooms

6.7%

Property Listings — Cudjoe Key, FL

As of Dec '25, Realtor.com reports that the median days on market for a home in Cudjoe Key, FL is 75. This is a decrease of -7.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 17.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$1,580,000	16.0%
Listing Count	123	-8.0%
Listings as % of Homes	2.5%	-8.0%
Days on Market	73	-10.0%

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Demographics — Cudjoe Key, FL

As of the latest ACS Survey released in 2023, Cudjoe Key, FL has a population of 6,780, which has increased by 3.9% over the past 5 years. Cudjoe Key, FL is a less popular place for families, as children make up 14.3% of the population. The area has a moderately educated workforce, with 44.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 22.3% reporting working from home.

Metric	Latest Census	YoY % Change
Population	6,780	3.9%
% Under 18	14.3%	40.2%
% Seniors	29.6%	5.0%
% WFH	22.3%	165.5%
% w/ College Degree	44.7%	10.1%

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As of the latest ACS Survey released in 2023, Cudjoe Key, FL is a predominantly white area, with 81.4% of the population identifying as white. The white population has shrunk by 11.2% in the last 5 years. The second most common race or ethnicity in Cudjoe Key, FL is hispanic, making up 12.0% of the population. Foreign-born residents account for 7.6% of the population in Cudjoe Key, FL, and this percentage has decreased by 18.3% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	81.4%	-11.2%
% Black	2.6%	420.0%
% Hispanic	12.0%	84.6%
% Asian	0.4%	0.0%
% Foreign Born	7.6%	-18.3%

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Mortgage and Risk — Cudjoe Key, FL

According to HUD data as of 2023, there were 150 mortgage originations in Cudjoe Key, FL, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 62.0%, with 17.0% above 90% LTV (elevated). This implies medium mortgage risk in Cudjoe Key, FL. Investor activity is low, as 3.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	150
% Conventional Loans	86.0%
% Government Loans	14.0%
% Investor Loans	3.0%
% Second Loans	26.0%
% Cash Out Refinance	11.0%

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Rentals and Section 8 — Cudjoe Key, FL

Cudjoe Key, FL lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	6
Total Units Section 8	6
% Rentals under Section 8	N/A
% Occupied Section 8	N/A

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	N/A	N/A	$2,180
2 Bedroom	-$1,240	$3,850	$2,610
3 Bedroom	-$1,330	$4,800	$3,470
4 Bedroom	-$2,060	$5,900	$3,840

Cudjoe Key, FL—33042

Key Metrics at a Glance

Home Price Trends — Cudjoe Key, FL

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Cudjoe Key, FL

% of Rental Stock

Property Listings — Cudjoe Key, FL

Demographics — Cudjoe Key, FL

Race and Ethnicity

Mortgage and Risk — Cudjoe Key, FL

Mortgages

Rentals and Section 8 — Cudjoe Key, FL

Section 8 Market Size

Section 8 Opportunity

Affordability — Cudjoe Key, FL

Home Price to Income Ratio

Cudjoe Key, FL — ZIP Code Boundary Map

Nearby ZIP Codes

Big Pine, FL

Key West, FL

Marathon, FL

Key Colony Beach

Layton

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	10.1
Median Home Price	$991,000
Median Household Income	$102,000

Cudjoe Key, FL—33042

Key Metrics at a Glance

Home Price Trends — Cudjoe Key, FL

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Cudjoe Key, FL

% of Rental Stock

Property Listings — Cudjoe Key, FL

Demographics — Cudjoe Key, FL

Race and Ethnicity

Mortgage and Risk — Cudjoe Key, FL

Mortgages

Rentals and Section 8 — Cudjoe Key, FL

Section 8 Market Size

Section 8 Opportunity

Affordability — Cudjoe Key, FL

Home Price to Income Ratio

Cudjoe Key, FL — ZIP Code Boundary Map

Nearby ZIP Codes

Big Pine, FL

Key West, FL

Marathon, FL

Key Colony Beach

Layton

Frequently Asked Questions

What is the average home price in Cudjoe Key, FL 33042?

How have home prices in Cudjoe Key, FL 33042 changed over the past year?

What is the home price projection for Cudjoe Key, FL 33042?

What are the demographics of Cudjoe Key, FL 33042?

How long does it take homes to sell in Cudjoe Key, FL 33042?

What is the average rent price in Cudjoe Key, FL 33042?