ZIP Code 33040 — Key West, FL

A population of 36,091 makes Key West, Florida one of the more populated places within Monroe County. The ZIP code 33040 carries an economics profile labeled Solid, reflecting a community where residents earn and spend at a meaningful level. The area's climate is classified as Mild Coastal, and its health score stands at 55.3 out of 100, rated Average. What sets this ZIP code apart in measurable terms is the combination of that mid-range health standing with a walkability score of 0.0 out of 5 shoes, meaning that by this measure most errands require a vehicle.

At a glance: 48.3% homeownership · Step Score 0.0/5 · mild coastal climate · hazard risk relatively moderate (hurricane, coastal flooding, cold wave).

The Census Bureau asks race and Hispanic or Latino origin as two separate questions, and a person of Hispanic or Latino origin may be of any race. The categories above are the constructed mutually exclusive form — each race is “alone, not Hispanic or Latino” — so they sum to 100% and none double-counts another. These are five-year survey estimates, not a census count.

ZIP 33040 has a median age of 44.4 years and a median household income of $79,038, with a per capita income of $56,199. Roughly 37.8% of residents hold a bachelor's degree or higher, and the poverty rate stands at 10.8%. Homeownership is split nearly evenly, with 48.3% of households owning their homes — a notably low share given that housing costs in a coastal resort community tend to outpace what many residents can absorb. The unemployment rate is 2.6%, and 8.9% of workers report working from home, while the mean commute for those who travel to work is a brief 15.7 minutes. Some 22.1% of residents were born outside the United States, and 75.7% speak only English at home, reflecting a population drawn from a range of backgrounds.

ZIP 33040 carries a housing-cost index of 98.6 out of 100, rated Very Expensive, and an affordability rating of 0.0 out of 5. At 99.92 businesses per square mile, commercial activity is dense, with Retail Trade (319 establishments), Accommodation and Food (307), and Professional Services (189) making up the leading sectors — a mix that points to a local economy oriented around visitors and resident services alike. The poverty rate stands at 10.8%, and unemployment is 2.6%. The OurZip economics score of 69.3, rated Solid, reflects the area's active business base alongside the considerable cost pressures that housing represents for residents here.

The median home value in ZIP 33040 stands at $959,835, about 3.42 times the median U.S. ZIP code value of $280,574, and declined 4.4% over the past year. A home value-to-income ratio of 12.14 means that the median home costs more than twelve times the median annual household income, a gap that places ownership well beyond reach for a typical earner without substantial outside capital or financing. Homeownership sits at 48.3%, meaning renters make up a slight majority of occupied housing in the area. The median rent of $3,663 per month — more than double the median among ZIP codes where Zillow publishes a rent index, at $1,797 — reinforces the affordability pressure that the ownership figures already suggest, and the area carries an affordability label of Unaffordable.

These figures change monthly. Follow 33040 to watch value and rent trends update. Track 33040 →

Enrolment splits 8,722 public and 330 private. These are schools located inside the ZIP code — attendance boundaries do not follow ZIP boundaries. The public and private counts come from two federal surveys published on different cycles — NCES Common Core of Data 2024 and NCES Private School Universe Survey 2022 — so they are not a single dated snapshot.

Eighteen schools are located in ZIP 33040, of which 15 are public and 3 are private. The private schools include one Catholic, one nonsectarian, and one other religious affiliation. Across all 18 schools, the levels represented are 7 elementary, 5 middle, and 3 high schools, with total enrollment across all of them reaching 9,052 students — 8,722 enrolled in public schools and 330 in private. Among adults 25 and older who live in this ZIP code, 92.0% hold a high school diploma or higher, and 37.8% hold a bachelor's degree or higher; these figures describe the resident population, not the schools themselves.

Key West Police Department covers essentially this ZIP code.

The figures below come from Key West Police Department's 2025 submission to the FBI's Uniform Crime Reporting programme and reflect reported offences for the community this ZIP code encompasses. Officers recorded 66 violent offences and 380 property offences, producing rates of 264.3 and 1,521.9 per 100,000 people, respectively. The violent crime rate sits below both the national rate of 329.1 and the Florida rate of 250.6 per 100,000, placing it between those two benchmarks — above the state figure and below the national one. The property crime rate of 1,521.9 is below the national figure of 1,551.6 but considerably above Florida's 1,087.6 per 100,000. Larceny accounts for the largest share of reported incidents, with 312 offences recorded, while burglary contributed 59 cases to the property total; on the violent side, assault made up 43 of the 66 reported offences.

Ozipedia does not publish modelled crime estimates. The figures above are counts reported by the agency itself; we will not use algorithms or inference to attribute them to a ZIP code, because fair and accurate reporting matters more to us than a number that merely looks precise. Any law-enforcement agency able to supply ZIP-level figures is warmly invited to get in touch — it would directly serve our aim of being the most comprehensive ZIP code resource anywhere. Corrections and data offers are welcome at /corrections.

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Air quality is the one county figure in this chart — the EPA publishes its annual AQI summary by county, so that row describes Monroe County, which contains 33040. Every other row is measured for this ZIP code.

Chronic-disease measures here run better than the median U.S. ZIP code; the composite is held down by environmental and preventive-care inputs.

ZIP 33040 carries an OurZip Health Score of 55.3 out of 100, rated Average. On chronic disease indicators drawn from CDC PLACES, most conditions fall below the median U.S. ZIP code: the heart disease rate of 6.6% compares with a median U.S. ZIP code rate of 7.4%, and the arthritis rate of 24.6% sits below the median U.S. ZIP code figure of 29.7%. Depression is recorded at 16.7%, against a median U.S. ZIP code rate of 23.0%, while binge drinking at 17.8% runs above the median U.S. ZIP code rate of 15.7%, a figure worth noting for residents. Preventive care is a relative weak point: 14.0% of residents lack health insurance, compared with 8.7% at the median U.S. ZIP code, and rates of dental visits and mammography screening fall modestly short of that same benchmark.

The ZIP code carries a Step Score of 0.0 out of 5, meaning most errands require a vehicle rather than a trip on foot, though the underlying walkability composite of 6.0 out of 100 reflects a point-of-interest sub-score of 9.5 — driven by OpenStreetMap-mapped concentrations of restaurants and cafes (140 mapped locations), retail (42), bank, ATM, and post office locations (13), and grocery outlets (11) — offset by a transit sub-score of 1.8 and a street connectivity sub-score of 3.0 out of 100. OpenStreetMap records 150 transit stops and 0 rail stations within the ZIP boundary. The mean commute time for residents is 15.7 minutes, and 8.9% of workers in the ZIP report working from home.

OpenStreetMap records 46 parks and nature reserves within ZIP 33040, among them Alvin Frasier III Memorial Park, Bayview Park, Bill Butler Park, CB Harvey Rest Beach Park, Clark Maxwell Environmental Habitat, and Cozumel Park, alongside 33 mapped playgrounds. Civic infrastructure includes two libraries — Florida Keys Community College Library and Monroe County May Hill Russell Library — four post offices, and 38 places of worship. Mapped food and daily-errand options include 26 grocery stores, 139 restaurants, 29 cafes, and 2 pharmacies. Three hospitals and clinics are recorded within the boundary, along with 150 transit stops.

Counts are features mapped in OpenStreetMap inside the ZIP boundary. OpenStreetMap is maintained by volunteers and its coverage is uneven, so a low count can mean little has been mapped here rather than little exists. Something missing or wrong? Tell us.

Residents of ZIP code 33040 are represented in the U.S. Senate by Ashley Moody and Rick Scott. In the U.S. House, the district falls under Carlos A. Gimenez of District 28. At the state level, Ana Maria Rodriguez serves in the Florida Senate and Jim Mooney serves in the Florida House of Representatives.

Florida levies no state income tax, meaning wages and salaries earned in ZIP 33040 are not subject to a state-level income tax. The combined sales tax rate — state and local together — stands at 7.02%, built from a 6% state base and a 1.02% average local rate, according to the Tax Foundation. Property in Monroe County is assessed at an effective rate of 0.54%, generating a median annual tax bill of $3,943.

FEMA publishes the National Risk Index by county. The hazard figures below are for Monroe County, which contains 33040 and is considerably larger than it. The percentiles rank that county against every county in the United States.

All 18 hazards FEMA lists · 14 rated — 3 very high, 2 moderate, 2 low, 7 very low · 4 not rated. Event counts follow each hazard's own FEMA definition and are not comparable between rows — lightning is counted in recorded strikes, tornado in recorded tornadoes. The percentile is the comparable figure. FEMA does not rate 4 of them in this county; they are listed rather than omitted, because a hazard absent from the list is indistinguishable from one nobody asked about.

ZIP code 33040 carries a Mild Coastal climate designation, with an average annual temperature of 77.3°F, winter highs averaging 76.0°F and lows of 64.4°F, and summer highs reaching 89.2°F with overnight lows averaging 77.7°F. The area receives 46.4 inches of precipitation annually, spread across about 63 rainy days per year. For Monroe County, which contains 33040, FEMA's National Risk Index assigns an overall risk level of Relatively Moderate, but several individual hazards within the county sit at much higher levels. Hurricane risk ranks at the 99th percentile nationally among U.S. counties — the most severe band — with 191 recorded events and an average of 0.29 events per year; coastal flooding risk ranks at the 92nd percentile nationally, with an average of 2.28 events per year. Cold wave risk also falls in the Very High band, ranking at the 89th percentile nationally among U.S. counties, averaging about 1.0 event per year across the county's recorded history.

Is 33040 a safe neighborhood?

The Key West Police Department recorded 66 violent offences and 380 property offences in 2025. Those figures cover the agency's full service area of 24,968 people, not ZIP 33040 alone. For context, the national violent crime rate is 329.1 per 100,000 people.

What is the average home price in 33040?

The median home value in ZIP 33040 is $959,835. Median rent runs $3,663 per month, against a median household income of $79,038 for the ZIP.

What is the cost of living in 33040?

Housing costs are a significant factor: the median home value is $959,835 and median rent is $3,663 per month, while the median household income is $79,038. Florida levies no state income tax, so residents owe $0 in state income tax regardless of earnings.

What are the natural hazards in 33040?

ZIP 33040 carries a Very High risk band for hurricanes, placing it at the 99.1st percentile among all U.S. ZIP codes for that hazard, with 191 recorded events and an average of 0.29 hurricane events per year. Coastal flooding is also rated Very High, at the 91.8th percentile, averaging 2.28 events per year. Cold wave risk is likewise rated Very High, at the 88.7th percentile, averaging 1.02 events per year.

How walkable is 33040?

ZIP 33040 has a walkability score of 0.0 out of 5, meaning most errands require a vehicle. The health score for the ZIP is 55.3 out of 100, rated Average.

1. U.S. Census Bureau, American Community Survey 2023 5-year
2. Zillow Research — ZHVI and ZORI
3. FBI Crime Data Explorer (Uniform Crime Reporting / NIBRS), 2025
4. CDC PLACES
5. U.S. EPA Air Quality System
6. NOAA 1991–2020 Climate Normals
7. FEMA National Risk Index
8. © OpenStreetMap contributors (ODbL) — Step Score inputs and mapped amenities
9. NCES Common Core of Data 2024 — public schools
10. NCES Private School Universe Survey 2022 — private schools
11. Tax Foundation
12. Congress.gov and OpenStates

Data compiled April 2026. Page last updated August 2026. Every figure on this page traces to a value in the 33040 data payload; where a value was absent, the section it belongs to is not published. Scores prefixed “OurZip” are our own — see how each is calculated.