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Cudjoe Key CDP, FL

ZIP 33042 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 33042

Median Home Value
$759,600
Median Rent
$1,847
Affordability Snapshot
$209,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,879/mo PITI).

22%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

7.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

34.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 33042 in Cudjoe Key CDP, FL, a household would need roughly $209,000 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 $4,879. That is about 106% above the local median household income ($101,625), 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.

Housing Tenure

Vacancy rate 38% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.3%+20% vs US avg
x
Vacancy Rate
38.5%+274% vs US avg
x
Broadband Access
96.6%+11% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
1.4%-79% vs US avg
x
Rent Burden >30%
24.6%-50% vs US avg
x
Mortgage-Free
53.5%+40% vs US avg
x
$759,600
Home Value
$1,847
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached85.0%
  • 1-unit attached1.5%
  • 2-9 units4.2%
  • 10+ units0.2%
  • Mobile home & other9.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$759,600
Median rent$1,847
Owner-occupied78.3%
Vacant38.5%
Price-to-income7.5x
Est. income to buy$209,000