Cudjoe Key, FL demographics:
population, income, and more

Total population
2,492
0.6% year-over-year change
Median household income
$87,500/yr
3.1% year-over-year change
Housing units
1,644
-2.5% year-over-year change

Cudjoe Key population

How many people live in Cudjoe Key

Cudjoe Key is home to 2,492 residents, according to the most recent Census data. Gender-wise, 49.9% of Cudjoe Key locals are male, and 50.1% are female.

Total population
2,492
0.6% year-over-year change
Gender ratio
Male
49.9%
1,243
Female
50.1%
1,249
Value Percent YoY change
Male 1,243 49.9% 1.4%
Female 1,249 50.1% -0.2%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Cudjoe Key is 54, with the population distributed as follows: about 9.6% are children under 15, then 6.5% are in the 15 to 24 age group. Adults between 25 and 44 make up 23.2% of the population, while another 25.7% fall into the 45 to 64 bracket. Finally, around 35% are 65 or older.

Median age
54.4
Age breakdown
Under 15
9.6%
15 to 24
6.5%
25 to 44
23.2%
45 to 64
25.7%
Over 65
35%
Value Percent YoY change
Under 15 240 9.6% -10.8%
15 to 24 161 6.5% 37.6%
25 to 44 577 23.2% 9.3%
45 to 64 641 25.7% -5.5%
Over 65 873 35% -1.5%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Cudjoe Key, 86.8% of the population are US-born citizens, while 9% have gained naturalized citizenship. At the same time, 4.2% of residents are non-citizens. There’s also a share of 10.9% that includes residents with two or more races.

Citizenship
U.S.-born citizens
86.8%
Non-U.S.-born citizens
9%
Non-citizens
4.2%
Value Percent YoY change
U.S.-born citizens 2,162 86.8% -0.2%
Non-U.S.-born citizens 225 9% 5.1%
Non-citizens 105 4.2% 8.2%
Racial breakdown
White
88.4%
Black or African American
0%
American Indian and Alaska Native
0%
Asian
0.6%
Native Hawaiian and other Pacific Islander
0%
Two or more races
10.9%
Other
0%
Value Percent
White 2,204 88.4%
Asian 16 0.6%
Two or more races 272 10.9%

Households in Cudjoe Key

A peek inside Cudjoe Key households

Cudjoe Key has 1,064 households, with an average of 2 members in each. Of these, 59.4% are families, while the remaining 40.6% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
1,064
1.0% year-over-year change
Average people per household
2
Non-family households
432
Family households
632
Value Percent YoY change
Non-family households 432 40.6% 9.1%
Family households 632 59.4% -3.8%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Cudjoe Key

The housing landscape of Cudjoe Key

Cudjoe Key's housing consists of 1,644 units, with 73.9% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 1% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 17.8% of the housing landscape.

Housing units
1,644
-2.5% year-over-year change
Housing types
Value Percent
1 unit, detached 1,215 73.9%
1 unit, attached 17 1%
3 or 4 units 9 0.6%
5 to 9 units 20 1.2%
Mobile home 292 17.8%
Boat, RV, van, etc. 91 5.5%
Homes built since 2020
49
58.1% year-over-year change

The age of buildings in Cudjoe Key

In Cudjoe Key, the median construction year is 1992. About 0.4% of homes were built before the 1940s, with another 0.4% going up by 1949. Most development happened in the second half of the 20th century. Then, 15.2% of homes were added from 2000 to 2009, 12% between 2010 and 2019, and 3% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 7 0.4% 0.0%
Built between 1940 and 1949 7 0.4% 0.0%
Built between 1950 and 1959 5 0.3% -58.3%
Built between 1960 and 1969 14 0.8% 100.0%
Built between 1970 and 1979 169 10.3% -16.8%
Built between 1980 and 1989 516 31.4% 3.0%
Built between 1990 and 1999 429 26.1% -9.3%
Built between 2000 and 2009 250 15.2% -10.1%
Built between 2010 and 2019 198 12% 18.6%
Built in 2020 or later 49 3% 58.1%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Cudjoe Key occupancy rates

Out of the 1,064 occupied housing units in Cudjoe Key, 79.2% are owner-occupied, while 20.8% are lived in by tenants. Meanwhile, 35.3% of all homes on the local market sit vacant.

Occupied housing units
1,064
1.0% year-over-year change
Occupancy breakdown
Renter occupied
221
Owner occupied
843
Value Percent YoY
change
Renter occupied 221 20.8% -12.7%
Owner occupied 843 79.2% 5.4%
Unoccupied housing units
35.3%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Cudjoe Key housing costs

Housing costs in Cudjoe Key come to a median of $1,775 per month, while tenants specifically pay a median gross rent of $1,864.

Median housing costs per month
$1,775/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Cudjoe Key
$1,864/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Cudjoe Key

Cudjoe Key education at a glance

About 31.5% of the population in Cudjoe Key went to high school, while 18.6% pursued college studies. Another 8.9% earned an associate degree and 23.3% hold a bachelor’s. Meanwhile, 16% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 38 1.8% -15.6%
High school diploma 681 31.5% -8.8%
College diploma 402 18.6% -2.4%
Associate degree 193 8.9% 10.9%
Bachelor's degree 504 23.3% 7.2%
Graduate degree 346 16% 9.8%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Cudjoe Key

How much people earn in Cudjoe Key

The average annual household income in Cudjoe Key was $122,791 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -6.8% change from the previous year. At the same time, the median income stood at $87,500, reflecting a +3.1% shift over the same period.

Average household income in Cudjoe Key
$122,791/year
-6.8% year-over-year change
Median household income in Cudjoe Key
$87,500/year
3.1% year-over-year change

Cudjoe Key income by age

In Cudjoe Key, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $88,167. Those with someone between 45 and 64 in charge, often well established professionally, earn $117,917 overall. Overall, 91.4% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $88,167 4.2%
45 - 64 $117,917 17.5%
Over 65 $70,658 -12.3%
Above poverty level
2,277
Below poverty level
215
Value Percent YoY
change
Above poverty level 2,277 91.4% 2.1%
Below poverty level 215 8.6% -13.7%

Average renter income in Cudjoe Key

To get a better sense of what renters earn on average in Cudjoe Key, their median household income was $57,847 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 38.7%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$57,847
Rent-to-income ratio
38.7%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Cudjoe Key

Workforce and job types in Cudjoe Key

The job market in Cudjoe Key is powered by 1,141 working residents, spread across a range of industries and roles. 81.4% of the working population are employed in professional or administrative positions, while 18.6% are in hands-on or service-based jobs. Also, 18.8% run their own businesses, 61.4% are employed by private companies, and 13.6% work in the public sector.

Workforce demographics

Working population
1,141
0.0% year-over-year change
White collar
929
Blue collar
212
Value Percent YoY change
White collar 929 81.4% 0.7%
Blue collar 212 18.6% -2.8%
Employer type
Self employees
18.8%
Private companies
61.4%
Governmental workers
13.6%
Not for profit companies
6.2%
Value Percent YoY change
Self employees 215 18.8% 9.7%
Private companies 700 61.4% -0.6%
Governmental workers 155 13.6% -8.8%
Not for profit companies 71 6.2% 0.0%
Unemployment rate
2.5%
-43.1% year-over-year change

Available workforce

The unemployment rate in Cudjoe Key stands at 2.5%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Cudjoe Key

How people get around in Cudjoe Key

Means of transportation
Value Percent YoY change
Car 860 73.2% -1.7%
Taxicab 8 0.7% -11.1%
Motorcycle 6 0.5% N/A
Bicycle 78 6.6% -9.3%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

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FAQs about Cudjoe Key demographics 

What is the total population of Cudjoe Key?

Cudjoe Key has a total population of 2,492 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.6% compared to a year ago.

What is the gender ratio in Cudjoe Key?

The gender ratio in Cudjoe Key is as follows:
  • 49.9% males (1,243 residents)
  • 50.1% females (1,249 residents)

What is the median age in Cudjoe Key?

The median age in Cudjoe Key is 54.4.

What is the age distribution of the population in Cudjoe Key?

The age distribution in Cudjoe Key is as follows:
  • Under 15: 9.6% (240 residents)
  • Ages 15-24: 6.5% (161 residents)
  • Ages 25-44: 23.2% (577 residents)
  • Ages 45-64: 25.7% (641 residents)
  • Over 65: 35% (873 residents)

What is the racial and ethnic makeup of Cudjoe Key?

The racial and ethnic makeup of Cudjoe Key is as follows:
  • White: 88.4% (2,204 residents)
  • Black or African American: 0% (0 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0.6% (16 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 10.9% (272 residents)
  • Other: 0% (0 residents)

What percentage of the population in Cudjoe Key are U.S.-born citizens?

U.S.-born citizens represent 86.8% of the population in Cudjoe Key.

How many housing units are there in Cudjoe Key?

There are 1,644 housing units in Cudjoe Key, reflecting a -2.5% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Cudjoe Key and what is the average household size?

Cudjoe Key has a total of 1,064 households, with an average of 2 people in each.

What is the median household income in Cudjoe Key?

Cudjoe Key has a median household income of $87,500, representing a +3.1% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Cudjoe Key?

The employment rate is 97.5% in Cudjoe Key, with a workforce of 1,141 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 81.4% (929 residents)
  • Blue-collar workers: 18.6% (212 residents)

Places of employment:
  • Self-employed: 18.8% (215 residents)
  • Private companies: 61.4% (700 residents)
  • Governmental workers: 13.6% (155 residents)
  • Not-for-profit companies: 6.2% (71 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025