ZIP Code 33037 — North Key Largo CDP, FL Demographics & Data

ZIP code 33037 covers North Key Largo, FL in Monroe County with a population of about 13,674.

At a glance, the area shows median age of 54.2 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.

Median household income in ZIP 33037 is about $80,911 — about 8% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 4.9%; 40.6% of adults with a bachelor’s degree or higher (about 6.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Arts and entertainment, and Professional services; about 10.3% of workers reporting work-from-home (about 4.9 points below 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 $660,700 — about 90% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,807 (about 55% above the U.S. median rent ($1,163)), and owner-occupancy near 79.0% (about 13.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33037 in North Key Largo, FL, a household would need roughly $182,000 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 $4,244. That is about 125% above the local median household income ($80,911), 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 North Key Largo CDP, 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 North Key Largo CDP, FL show little to no average snow and around 57.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 612 for ZIP 33037 (North Key Largo CDP, 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.