How much do homeowners pay a month in North Key Largo, FL?

Name: Homeowner costs in North Key Largo, FL, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in North Key Largo, FL pay a median of $4,000 or more a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

17.3% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $4,000 or more
Without a mortgage: $1,500 or more
Owned with a mortgage: 17.3%

Monthly owner costs in North Key Largo

Median selected monthly owner costs, estimate (90% margin of error)
	North Key Largo	Monroe County	Florida	United States
With a mortgage	$4,000 or more	$3,241 (±$110)	$1,959 (±$5)	$1,963
Without a mortgage	$1,500 or more	$884 (±$44)	$673 (±$3)	$638
Owned homes with a mortgage	17.3% (±9.2 points)	46.3% (±2.5 points)	56.3% (±0.2 points)	60.6%
Median real estate taxes (a year)	$8,398 (±$4,628)	$4,129 (±$172)	$2,730 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Monroe County, North Key Largo ranks 1 of 12 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

Median monthly cost with a mortgage in places near North Key Largo

Nearest places with a published estimate, compared with North Key Largo
Place	Distance	Median monthly cost with a mortgage	Compared with this place
North Key Largo	—	$4,000 or more	—
Key Largo	11 mi	$2,627 (±$278)	—
Florida City	16 mi	$2,153 (±$269)	—
Homestead	16 mi	$2,237 (±$76)	—
Leisure City	18 mi	$1,928 (±$175)	—
Naranja	19 mi	$2,087 (±$332)	—
Tavernier	20 mi	$3,003 (±$771)	—
Princeton	20 mi	$2,460 (±$150)	—
Goulds	21 mi	$2,227 (±$223)	—

None of the nearby places differs measurably from this one on this figure.

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Monroe County, place by place

Rank	Place	Median monthly cost with a mortgage
1	North Key Largo	$4,000 or more
2	Key West	$3,605 (±$201)
3	Islamorada	$3,529 (±$710)
4	Cudjoe Key	$3,454 (±$532)
5	Key Colony Beach	$3,364 (±$1,432)
6	Marathon	$3,235 (±$476)
7	Big Pine Key	$3,028 (±$268)

Showing 7 of 12 places in Monroe County, ranked from highest to lowest.

North Key Largo is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about North Key Largo

What is the average mortgage payment in North Key Largo?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in North Key Largo, FL is $4,000 or more a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in North Key Largo?

Owners without a mortgage in North Key Largo pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for North Key Largo CDP, Florida (place:49406, in state:12).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.