The median home in Cedar Key, Florida is valued at $309,909, down 9.6% year over year. Cedar Key is part of the Gainesville, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Gainesville, FL stress score, crash risk, and 12-month forecast →

Home Value$309,909

-9.6%

AFFORDABILITY

Enter your income for Cedar Key.

Income (annual)

Down Payment

$61,982 on $309,909

Stretch — 34.2% of income

Above 28% but manageable with cuts.

PITI$2,139

P/I34.2%

Afford$254K

Gap-$56K

P&I $1,567Tax $222Ins $350

6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Cedar Key with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Gainesville, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Gainesville, FL metro.

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CEDAR KEY, FL