Living in the Florida Keys is a dream for many people around the world. Stretching over 120 miles from Key Largo in the north to Key West in the south, this chain of tropical islands offers crystal-clear waters, year-round warm weather, world-class fishing, incredible diving, and a relaxed, laid-back lifestyle that feels worlds away from the hustle and bustle of mainland life. But before you pack your bags and head for paradise, it’s important to know exactly what life in the Keys is like — from the cost of living to the local culture, recreation, and housing options.
The Unique Charm of the Florida Keys
The Florida Keys are unlike any other place in the United States. Known for their turquoise waters, coral reefs, and vibrant communities, the islands combine the charm of a small-town atmosphere with the excitement of a global tourist destination. Residents often describe the Keys as a mix of island culture and old Florida history, where neighbors know each other, sunsets are celebrated daily, and flip-flops are acceptable footwear almost everywhere.
One of the most noticeable differences when living in the Keys is the pace of life. “Island time” is real — things move slower here, and that’s part of the appeal. People are generally more relaxed, and the focus is on enjoying life rather than rushing through it. This cultural shift can be a refreshing change for those coming from fast-paced cities.
Climate and Weather
The Florida Keys enjoy a tropical climate with warm temperatures year-round. Average highs range from the mid-70s in the winter to the upper 80s in the summer. Winters are mild and sunny, making the Keys a popular escape for snowbirds from colder climates. Summer brings warmer temperatures and higher humidity, along with the possibility of afternoon thunderstorms.
One important consideration for anyone moving to the Keys is hurricane season, which runs from June through November. While direct hits are rare, tropical storms and hurricanes are a reality, and residents need to be prepared with evacuation plans and proper home insurance.
Cost of Living in the Florida Keys
Living in paradise comes at a price. The cost of living in the Florida Keys is significantly higher than the national average, primarily due to housing costs. Real estate prices are driven up by limited land availability and high demand from both full-time residents and vacation homeowners. Rental rates are also high, and finding affordable housing can be challenging, especially during peak tourist seasons.
Other expenses, such as groceries and utilities, also tend to be higher due to the logistical challenges of transporting goods to the islands. However, many residents find that the benefits of living in such a beautiful and unique location outweigh the higher costs.
Housing Options
Housing in the Keys ranges from quaint conch-style cottages and waterfront bungalows to luxury estates with private docks. Key Largo, Islamorada, Marathon, Big Pine Key, and Key West each offer their own distinct character and style of housing. Waterfront properties are highly sought after and often come with premium price tags, while inland homes or properties on smaller keys can be more affordable.
Buyers and renters should be aware of building codes and flood zone requirements, as much of the Keys are in low-lying areas. Many homes are elevated on stilts to reduce flood risk, and flood insurance is often required for mortgage approval.
Jobs and the Local Economy
The Florida Keys’ economy is largely driven by tourism, which means that jobs in hospitality, restaurants, retail, fishing charters, diving operations, and recreational services are common. There are also opportunities in construction, marine services, healthcare, and local government. Remote work is becoming more popular in the Keys, thanks to improved internet access, making it possible for professionals to enjoy island life while working for companies located elsewhere.
Wages in the Keys can sometimes be lower than in larger cities, so it’s important to consider your career options and budget before making the move. Many residents create multiple income streams through seasonal work, freelance opportunities, or tourism-related side businesses.
Transportation in the Keys
U.S. Highway 1, also known as the Overseas Highway, is the main transportation route that connects all the islands from Key Largo to Key West. The drive itself is breathtaking, with long stretches of road surrounded by turquoise water. Traffic can get heavy during peak tourist seasons, weekends, and holiday events, so residents often plan errands and travel around busier times.
There is no rail service in the Keys, and public transportation options are limited, especially outside of Key West, which has its own small bus system. Most residents rely on their own vehicles, but cycling and boating are also popular ways to get around locally.
Outdoor Activities and Recreation
Living in the Florida Keys means having access to some of the best outdoor recreation in the world. The waters surrounding the islands are perfect for boating, sailing, kayaking, paddleboarding, snorkeling, and scuba diving. The Florida Keys National Marine Sanctuary protects the only living coral barrier reef in the continental United States, providing endless opportunities to explore marine life.
Fishing is a way of life in the Keys, whether it’s backcountry fishing for bonefish and tarpon, offshore fishing for mahi-mahi and sailfish, or lobstering during the annual mini-season. Residents also enjoy hiking in state parks, visiting wildlife refuges, and participating in local festivals and events.
Community and Lifestyle
One of the most appealing aspects of living in the Keys is the strong sense of community. Locals are known for being friendly and welcoming, and there’s a shared appreciation for the natural beauty and slower pace of life. The Keys attract a mix of people — from artists and writers to entrepreneurs and retirees — creating a vibrant and diverse population.
Events like the Key West Fantasy Fest, seafood festivals, fishing tournaments, and art walks help bring people together and foster a lively cultural scene. At the same time, the Keys offer plenty of quiet, peaceful corners for those seeking solitude and a more relaxed pace.
Schools and Education
The Florida Keys are served by the Monroe County School District, which operates public schools from Key Largo to Key West. The district offers a range of academic programs, extracurricular activities, and sports. There are also private and charter school options, as well as opportunities for higher education through Florida Keys Community College in Key West.
Because of the small size of many schools, students often receive more personalized attention and develop close relationships with teachers and classmates.
Healthcare and Services
Healthcare facilities in the Keys include hospitals in Key West, Marathon, and Tavernier, along with numerous clinics and specialist offices throughout the islands. For certain specialized treatments, residents may need to travel to Miami or other mainland cities. Veterinary services, dental care, and other essential services are available locally but may have limited options compared to larger cities.
Cultural and Dining Scene
The Keys are famous for their diverse culinary scene, which blends fresh seafood with Caribbean, Cuban, and Southern influences. Local favorites include conch fritters, Key lime pie, and freshly caught fish served right off the boat. Dining ranges from casual waterfront tiki bars to upscale gourmet restaurants, many offering spectacular sunset views.
Music, art, and theater are also part of the local culture. Key West, in particular, has a thriving arts community, with galleries, live music venues, and historic theaters. Islamorada and Marathon also host regular cultural events, art shows, and live performances.
Wildlife and Nature
Nature is never far away in the Keys. You’ll find a variety of native wildlife, including manatees, dolphins, sea turtles, and countless species of fish and birds. The islands are home to several state parks, national wildlife refuges, and protected marine areas, making it easy to connect with nature every day.
Residents quickly become accustomed to sharing their environment with iguanas, pelicans, and the occasional visiting key deer in Big Pine Key.
Challenges of Living in the Keys
While the Florida Keys are an incredible place to live, it’s important to acknowledge some of the challenges. Limited housing supply and high costs can be a barrier for some. The islands also have fewer big-box stores and shopping options than larger cities, which means you might need to travel to the mainland for certain goods or services.
Weather can also be a factor — from hurricane preparedness to the high humidity and salt air that can cause faster wear and tear on vehicles, boats, and homes. For some, the slower pace of life is a blessing; for others, it can be an adjustment.