The median home in Summerland Key, Florida is valued at $1,024,197, down 4.2% year over year. Typical monthly rent is $4,800, producing a price-to-rent ratio of 17.8x — near the national average of 18x. Summerland Key is part of the Key West, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$1,024,197
-4.2%
Rent$4,800/mo
AFFORDABILITYRenting $1,463/mo cheaper ($4,800 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.
Enter your income for Summerland Key.
$204,839 on $1,024,197
Out of reach — 100.2% of income
Need $268,414/yr to afford.
PITI$6,263
P/I100.2%
Afford$286K
Gap-$738K
P&I $5,179Tax $734Ins $350
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Florida
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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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