Cudjoe Key
Housing Market
Median sale price $853,000, down 5.7% year over year, with homes going under contract in about 46 days, 41 homes on the market.
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Housing Market Analyst
Inventory sits at 6.1 months of supply — heavy by the 3-to-6-month balanced benchmark. Prices are down 5.7% versus the prior year, but sellers are still collecting 95.6% of asking. Taken together, the data points to a broadly balanced market where preparation decides who wins.
Who has leverage right now
Leverage scores are derived from the Momentum Score (supply, demand, speed, pricing power, and trend). Right now the data favors neither side decisively.
- Prices — heavy supply keeps the pressure on sellers; softening is the path of least resistance.
- Inventory — building over the tracked window; watch whether that holds through the season.
- Mortgage sensitivity — at 11.0× income, this market is highly sensitive to rate moves; rate relief tends to show up in demand here quickly.
Derived from current Cudjoe Key data, not a prediction or guarantee. Markets move; talk to an agent before acting on any single reading.
The read on Cudjoe Key
The median sale price across Cudjoe Key currently stands at $853,000, down 5.7% from a year ago. The typical home goes under contract in about 46 days. Homes are selling for about 95.6% of their original asking price.
There are 41 active listings on the market, with 9 more already under contract. With 81 closed sales over the trailing 12 months (41 listings divided by 81 / 12), that works out to 6.1 months of supply — a buyer-leaning market by the 3-to-6-month balanced band.
Cudjoe Key prices sit below the Monroe County median by roughly 5%. 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.
Weighing supply, demand, speed, pricing power, and trend together, the Momentum Score for Cudjoe Key is 51 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of November 12, 2026.
Cudjoe Key since 2012 — and where it’s heading
A median home here sold for $330,000 in 2012 and $962,162 over the last recorded year — 192% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (517 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 Cudjoe Key
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.
Both sides have a case: buyers should negotiate on days-on-market, sellers should lean on the under-contract rate. Preparation, not the market, decides who wins a balanced tape.
Generated from today’s data by Momentum’s analysis engine and reviewed on a rolling basis by our broker team.
How it stacks up across Monroe County
| Market | Median | Active | Score | |
|---|---|---|---|---|
| Cudjoe Key ← this page | $853K | — | 51 | |
| Forsyth | $389K | 18 | 43 | 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 |
Cudjoe Key ZIP codes
Most active communities
More on Cudjoe Key
Put this data to work
The questions people actually ask
Should I buy a house in Cudjoe Key right now?
The data says conditions currently favor neither side decisively in Cudjoe Key — the Momentum Score reads 51/100 with 6.1 months of supply. For buyers that means preparation over hesitation: well-priced homes still move fast, but there is more room to negotiate than a year ago. The right timing always depends on your rate, your equity, and how long you plan to stay — not just the market.
Is Cudjoe Key becoming more affordable?
Yes, modestly — the median sale price in Cudjoe Key is $853,000, down 5.7% 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 Cudjoe Key?
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 Cudjoe Key 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 46 days.
How does Cudjoe Key compare to the rest of Monroe County?
Cudjoe Key's median of $853,000 runs 5% below the county-wide median of $900,000, and homes here take 46 days to go under contract versus 82 county-wide.
Cudjoe Key housing market FAQ
How is the housing market in Cudjoe Key right now?
As of November 12, 2026, the Cudjoe Key housing market is roughly balanced: the median sale price is $853,000 (down 5.7% year over year), 41 homes are for sale against 81 sales in the last 12 months, which is 6.1 months of supply, and the typical home goes under contract in about 46 days.
How much is a house in Cudjoe Key?
The median home sold for $853,000 in Cudjoe Key over the last 12 months; asking prices on the 41 current listings run from well below to well above that, and the community pages linked below show what each neighborhood actually sells for.
Is it a good time to sell a house in Cudjoe Key?
By the numbers, sellers in Cudjoe Key are getting 95.6% of asking price and going under contract in about 46 days with 6.1 months of supply. Under three months of supply generally favors sellers, three to six is balanced, and over six favors buyers. 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 Cudjoe Key housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Cudjoe Key median sale prices are down 5.7% year over year, inventory stands at 6.1 months of supply. 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 Cudjoe Key?
The median sale price in Cudjoe Key is currently $853,000, down 5.7% from a year ago, based on MLS sales data updated November 12, 2026.
Is Cudjoe Key a buyer's or seller's market right now?
The data currently is roughly balanced. Cudjoe Key scores 51 of 100 on the Momentum Score, with 6.1 months of housing supply. Conditions change; this page updates daily.
How long do homes take to sell in Cudjoe Key?
The typical home in Cudjoe Key goes under contract in about 46 days, per current MLS data.
How many homes are for sale in Cudjoe Key?
There are approximately 41 active listings in Cudjoe Key as of November 12, 2026.
Are home prices in Cudjoe Key rising or falling?
Median sale prices are down 5.7% 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 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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