The median home in Key Largo, Florida is valued at $1,051,036, down 2.3% year over year. Typical monthly rent is $3,378, producing a price-to-rent ratio of 25.9x — well above the national average of 18x. Key Largo is part of the Key West, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

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

Home Value$1,051,036

-2.3%

Rent$3,378/mo

AFFORDABILITY

Enter your income for Key Largo.

Income (annual)

Down Payment

$210,207 on $1,051,036

Out of reach — 102.7% of income

Need $275,057/yr to afford.

PITI$6,418

P/I102.7%

Afford$287K

Gap-$764K

P&I $5,315Tax $753Ins $350

Renting $3,040/mo cheaper ($3,378 rent)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 Key Largo 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 Key West, FL analysis

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

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KEY LARGO, FL