Monroe County, FL

Comprehensive housing, income, and cost of living data for Monroe County, Florida. Population: 82.0K.

Median Home Price
$881.0K

Based on 9 cities

Median Household Income
$82.4K

Annual household income

Price-to-Income Ratio
10.7x

Less affordable

Salary Needed to Buy
$220.7K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax
$3,943

Average annual amount

Effective Tax Rate
0.45%

Property tax / home value

Monthly Housing Costs
Mortgage (P&I)$4,455
Property Tax$329
Insurance$367
Total Monthly$5,150
Historical Home Prices
2016
$526.6K
2017
$557.1K
+5.8%%
2018
$573.7K
+3.0%%
2019
$581.9K
+1.4%%
2020
$641.1K
+10.2%%
2021
$796.0K
+24.2%%
2022
$966.2K
+21.4%%
2023
$994.5K
+2.9%%
2024
$976.2K
-1.8%%
2025
$932.2K
-4.5%%
Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate
3.0%%

Below national average

Population Density
84

People per square mile

Homicide Rate
4.5

Low (per 100K residents)

Political Lean (2020)
Competitive

R+0

Racial Demographics

White
64.8%
Black
6.7%
Hispanic
24%
Asian
1.1%
Two or More Races
2.8%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature
77°F

Annual average

Sunny Days
203

Days per year

Annual Rainfall
52.0"

Inches per year

Natural Disaster Risk
High Risk

Score: 92/100

January Low
20°F

Average winter low

July High
84°F

Average summer high

Frequently Asked Questions

What is the median home price in Monroe County, FL?

The median home price in Monroe County, Florida is $881.0K. The price-to-income ratio is 10.7x, meaning the median home costs 10.7 times the median household income.

What salary do you need to buy a home in Monroe County?

Based on a 30-year mortgage at 6.5% with 20% down and the 28% debt-to-income rule, you need approximately $220.7K per year to buy the median home in Monroe County, FL. Monthly housing costs break down to $4,455 for mortgage, $329 for property tax, and $367 for insurance.

What is the property tax rate in Monroe County?

The effective property tax rate in Monroe County is 0.45%, which comes to approximately $3,943 per year on the median home.

What is the median household income in Monroe County?

The median household income in Monroe County, Florida is $82.4K per year, based on Census Bureau American Community Survey data. The unemployment rate is 3.0%%.

Is Monroe County a good place to live?

Monroe County, Florida has a population of 82.0K. Housing affordability is challenging with a price-to-income ratio of 10.7x. The climate averages 77 degrees F with 203 sunny days per year. Compare Monroe County with other areas using our cost of living tools to find the best fit for your budget and lifestyle.