Cudjoe Key
Housing Market
Median sale price $900,000, up 2.6% year over year, with homes going under contract in about 66 days.
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Housing Market Analyst
Prices are up 2.6% versus the prior year and sellers are still collecting 93.6% 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.
- Inventory — tightening over the tracked window; watch whether that holds through the season.
- Mortgage sensitivity — at 11.6× 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 $900,000, up 2.6% from a year ago. The typical home goes under contract in about 66 days. Sellers are capturing 93.6% of their original asking price on average.
Zillow's home value index for Monroe County stands at $959,843. About 19% 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 52 of 100 — balanced market territory. This page recalculates every day as new MLS data lands, so the numbers above reflect the market as of October 1, 2026.
Cudjoe Key since 2012 — and where it’s heading
A median home here sold for $337,889 in 2012 and $945,411 over the last recorded year — 180% appreciation across 14 years of recorded sales.
Median sale price · 2012–2026 (1,766 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
1,542 Citizens policies in force in Monroe County — the state-backed insurer of last resort. Budget insurance into any Monroe purchase before you fall in love with a house. Source: Citizens Property Insurance, Detail by County, April 2026
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 | $900K | — | 52 | |
| Forsyth | $505K | 18 | 47 | Open → |
Neighborhoods on the move
| CUDJOE GARDENSCudjoe Key | $1.65M | ▲ 20% |
| VENTURE OUTCudjoe Key | $650K | ▲ 18% |
| CUTTHROAT HARBOR ESTATESCudjoe Key | $908K | ▲ -0% |
| CUDJOE OCEAN SHORESCudjoe Key | $1.15M | ▲ -45% |
| CUDJOE OCEAN SHORESCudjoe Key | $1.15M | ▼ 45% |
| Cutthroat Harbor EstatesCudjoe Key | $900K | ▼ 1% |
| VENTURE OUTCudjoe Key | $650K | ▼ 18% |
| CUDJOE GARDENSCudjoe Key | $1.65M | ▼ 20% |
| Cutthroat Harbor EstatesCudjoe Key | $900K | 24 days |
| CUDJOE OCEAN SHORESCudjoe Key | $1.15M | 36 days |
| CUDJOE GARDENSCudjoe Key | $1.65M | 46 days |
| VENTURE OUTCudjoe Key | $650K | 159 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 52/100. 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?
No — the median sale price in Cudjoe Key is $900,000, up 2.6% versus the prior year, while sellers still capture 93.6% of asking price. Rising prices mean waiting has a cost; affordability hinges mostly on your rate.
Where are prices falling fastest in Cudjoe Key?
Among tracked communities with enough sales to measure, the sharpest 1-year median declines are CUDJOE OCEAN SHORES (-45%); Cutthroat Harbor Estates (-1%); VENTURE OUT (18%). 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); CUDJOE OCEAN SHORES (36 days); CUDJOE GARDENS (46 days) — homes there go under contract well ahead of the market-wide pace of 66 days.
How does Cudjoe Key compare to the rest of Monroe County?
Cudjoe Key's median of $900,000 runs 1% below the county-wide median of $907,500, and homes here take 66 days to go under contract versus 86 county-wide.
Cudjoe Key housing market FAQ
Is it a good time to sell a house in Cudjoe Key?
By the numbers, sellers in Cudjoe Key are getting 93.6% of asking price and going under contract in about 66 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 Cudjoe Key housing market forecast?
Momentum Realty publishes the recorded trend, not a prediction: Cudjoe Key median sale prices are up 2.6% 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 Cudjoe Key?
The median sale price in Cudjoe Key is currently $900,000, up 2.6% from a year ago, based on MLS sales data updated October 1, 2026.
Is Cudjoe Key a buyer's or seller's market right now?
The data currently is roughly balanced. Cudjoe Key scores 52 of 100 on the Momentum Score. 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 66 days, per current MLS data.
Are home prices in Cudjoe Key rising or falling?
Median sale prices are up 2.6% 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 live listing counts refreshed twice daily; 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: October 1, 2026 at 2:51 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.