33042 (Cudjoe Key)
Housing Market & Home Values
Median sale price $900,000, down 1.3% year over year, with homes going under contract in about 50 days.
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Housing Market Analyst
Prices are down 1.3% versus the prior year, but sellers are still collecting 95.6% of asking.
The read on 33042 (Cudjoe Key)
The median sale price across 33042 currently stands at $900,000, down 1.3% from a year ago. The typical home goes under contract in about 50 days. Homes are selling for about 95.6% of their original asking price.
62 homes closed here over the trailing 12 months.
Zillow's home value index for Monroe County stands at $962,885. About 17% of listings county-wide have taken a price cut — a useful gauge of seller flexibility.
33042 since 2012 — and where it’s heading
A median home here sold for $330,000 in 2012 and $1,016,532 over the last recorded year — 208% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (584 recorded sales)
Days on market by year
Home value trend · Monroe County (Zillow ZHVI)
For-sale inventory · county (Zillow)
Daily active vs pending · Monroe County (MLS)
Median price · daily recalculation
What’s driving 33042
Top inbound states: CA, IL, MD. Movers arriving report ~$170,384 average income. Source: IRS SOI county-to-county migration, 2022-2023
16,693 Citizens personal-lines policies in Monroe County; average premium $6,671 before the 2026 change, $6,463 after (-3.1%). Citizens is the state-backed insurer of last resort; budget insurance into any Monroe purchase. Source: Citizens Property Insurance Corporation, 2026 Approved Rate Changes by County (ALL PERSONAL LINES COMBINED table).
239 single-family · 40 multi-family · 3.4 per 1,000 residents. Future supply pressure starts here. Source: U.S. Census Bureau, Building Permits Survey, 2025
The calls we’re making from today’s data
The sharpest 1-yr median swing among tracked communities. Thin samples can exaggerate swings — verify with a comp analysis before treating it as trend.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
Nearby ZIP codes in Monroe
| Market | Median | Active | Score | |
|---|---|---|---|---|
| 33042 ← this page | $900K | — | — | |
| 31029 | $505K | 18 | 57 | Open → |
Neighborhoods on the move
No tracked community with enough sales rose in price over the past year.
| Cutthroat Harbor EstatesCudjoe Key | $900K | ▼ 1% |
| Cutthroat Harbor EstatesCudjoe Key | $900K | 24 days |
| VENTURE OUTCudjoe Key | $700K | 94 days |
Cities in this ZIP
Most active communities
Put this data to work
The questions people actually ask
Is 33042 becoming more affordable?
Yes, modestly — the median sale price in 33042 is $900,000, down 1.3% versus the prior year, while sellers still capture 95.6% of asking price. Softening prices plus normal-length marketing times mean affordability is improving at the margin, though financing costs matter more than list prices for most monthly payments.
Where are prices falling fastest in 33042?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are Cutthroat Harbor Estates (-1%). Note that community-level medians move on small sale counts — a few high- or low-end closings can swing them — so treat these as leads for a comp analysis, not verdicts.
Which 33042 neighborhoods are most competitive?
Measured by speed of sale, the fastest-moving tracked communities right now are Cutthroat Harbor Estates (24 days); VENTURE OUT (94 days) — homes there go under contract well ahead of the market-wide pace of 50 days.
33042 (Cudjoe Key) housing market FAQ
Is it a good time to sell a house in 33042?
By the numbers, sellers in 33042 are getting 95.6% of asking price and going under contract in about 50 days. Whether it is a good time for you depends on what you paid and where you are going next, which is a conversation with an agent, not a chart.
What is the 33042 housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: 33042 median sale prices are down 1.3% year over year. The charts on this page update with every MLS refresh, so the direction shows up here before any forecast catches it.
What is the median home price in 33042?
The median sale price in 33042 is currently $900,000, down 1.3% from a year ago, based on MLS sales data updated November 12, 2026.
How long do homes take to sell in 33042?
The typical home in 33042 goes under contract in about 50 days, per current MLS data.
Are home prices in 33042 rising or falling?
Median sale prices are down 1.3% year over year based on a rolling comparison of MLS sales.
Momentum agents use this intelligence every day to price listings and write winning offers across 33042 (Cudjoe Key). Talk through what the numbers mean for your move.
Every number on this page is computed directly from licensed Florida MLS feeds, recorded public sales, Zillow Research, and U.S. Census data — nothing is manually adjusted or estimated by hand. Medians use recorded closed sales; supply figures use the MLS listing counts from the last data refresh (date below); the Momentum Score methodology is summarized .
Analyst oversight: Jon Brooks — Co-Founder, Momentum Realty · CEO, Momentum Research · Housing Market Analyst · methodology reviewed quarterly · Last data refresh: November 12, 2026 at 5:37 PM ET
Statistics on this page are computed automatically from licensed MLS feeds and public data sources (Zillow Research, U.S. Census Bureau) and summarized without manual review. Figures are estimates based on recent recorded activity, are deemed reliable but not guaranteed, and should be verified with a licensed agent before making decisions. This page does not constitute an appraisal or an automated valuation of any specific property. Momentum Realty is licensed in Florida and Georgia. Equal Housing Opportunity.
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