ZIP Code 33036 — Islamorada, Village of Islands village, FL Demographics & Data

ZIP code 33036 covers Islamorada, Village of Islands, FL in Monroe County with a population of about 3,632.

At a glance, the area shows median age of 56.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 305, 645, 786; U.S. House district FL-28; the MIAMI - FT. LAUDERDALE media market.

Islamorada, Village of Islands, FL fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 33036 is about $88,214 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.9%; unemployment rate near 0.0%; 40.0% of adults with a bachelor’s degree or higher (about 6.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Construction, and Administrative support; about 16.4% of workers reporting work-from-home (about 1.2 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $995,600 — about 186% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,583 (about 36% above the U.S. median rent ($1,163)), and owner-occupancy near 81.0% (about 15.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33036 in Islamorada, Village of Islands, FL, a household would need roughly $274,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,395. That is about 211% above the local median household income ($88,214), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Islamorada, Village of Islands village, FL as Relatively Moderate (composite score 91.6), which is among the highest nationally. The strongest component scores on US5 are hurricane (98.0) and wildfire (61.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Islamorada, Village of Islands village, FL show little to no average snow and around 38.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 163 for ZIP 33036 (Islamorada, Village of Islands village, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.