ZIP Code 33051 — Key Colony Beach city, FL Demographics & Data

ZIP code 33051 covers Key Colony Beach, FL in Monroe County with a population of about 525.

At a glance, the area shows median age of 66.1 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.

Key Colony Beach, FL matches a tourism / travel destination profile (tourism/destination place names). Search demand here often clusters around weather, landmarks, short stays, and local services — the live 7-day forecast on this page is especially useful for trip planning.

Median household income in ZIP 33051 is about $94,531 — about 26% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.1%; unemployment rate near 0.0%; 47.6% of adults with a bachelor’s degree or higher (about 13.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Real estate, Food services, and Public administration; about 13.9% of workers reporting work-from-home (about 1.3 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 $834,800 — about 140% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,788 (about 54% above the U.S. median rent ($1,163)), and owner-occupancy near 69.7% (about 4.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33051 in Key Colony Beach, FL, a household would need roughly $230,000 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 $5,363. That is about 143% above the local median household income ($94,531), 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 Key Colony Beach city, 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 Key Colony Beach city, FL show little to no average snow and around 39.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 23 for ZIP 33051 (Key Colony Beach city, 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.