Best Places33040, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 33040, scored on 40 measures of daily life and ranked to fit what matters to you. The coast is close, and the measures below put a number on how close. To work out which city fits you best, start with the best places to live tool.
33040 ranks 13,419th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on biking by a wide margin, and an overheated housing market is the weak spot.
The best neighborhoods in 33040
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
33040's strengths and weaknesses
Where 33040 ranks high
- BikingBetter than 99% of zip codes
- Air qualityBetter than 99% of zip codes
- State infrastructureBetter than 98% of zip codes
- WalkabilityBetter than 96% of zip codes
- Short commute15.7 minutes each way, better than 96% of zip codes
Where 33040 ranks low
- Housing crash safetyBetter than only 1% of zip codes
- Disaster safetyBetter than only 1% of zip codes
- Heat safetyBetter than only 1% of zip codes
- Cheap car insuranceBetter than only 8% of zip codes
- Tree shadeBetter than only 21% of zip codes
What it costs to buy a home in 33040
A household needs to earn about $207,000 a year to comfortably buy the median 33040 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $91,830, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 33040's effective rate of 0.50%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 33040
33040 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 33040.
Who works in 33040, and how
Work in 33040 centers on hospitality & food and retail trade. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 71%
- Work from home 13%
- Transit, walk, or bike 16%
Life in 33040
33040 has more restaurants and bars per resident than 93% of zip codes and more parkland per resident than 76% of zip codes. The coast is about 1 minutes away. Dining, parks, and nightlife concentrates in some parts of 33040 and thins out in others, which the map shows.
What the weather is like in 33040, month by month
33040 sees roughly 99 pleasant days a year. July highs average about 91 degrees. January highs sit near 77, with lows near 65. The comfortable stretch runs December through March.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 77° | 70° | 65° |
| April | 84° | 78° | 73° |
| July | 91° | 86° | 81° |
| October | 87° | 82° | 77° |
Flying in and out of 33040
The nearest airport, Key West International, is about 1 miles away and is a small airport. The nearest major hub is Miami International, about 125 miles away.
The best schools in and around 33040
Schools across 33040 average a B−, better than 58% of zip codes.
Top elementary schools
- Sigsbee Charter SchoolA · 67% proficient
- Poinciana Elementary SchoolA− · 57% proficient
- May Sands Montessori SchoolB+ · 55% proficient
Top middle schools
- Miami Community Charter Middle SchoolD · 23% proficient
Top high schools
- Key West High SchoolB+ · 57% proficient
- Somerset Island PrepB+ · 53% proficient
- Keys CenterD+ · 25% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 33040 school and its grade on SchoolGrade.
33040 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 33040 against the other 33,109 zip codes.
Who 33040 suits
Remote workers
Internet is fast and widely advertised and 13% already work from home.
Common questions about living in 33040
Is 33040 a good place to live?
Using BestNeighborhood's default rankings, 33040 ranks 13,419th of 33,110 zip codes. It scores highest on biking, clean air, and state infrastructure, and lowest on an overheated housing market and disaster risk. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 33040 expensive to live in?
The median home is worth $825,282. The overall cost of living runs about 23% above the national average. Set against a $91,830 median income, cost of living beats 42% of zip codes.
Is 33040 safe?
33040 is safer than 32% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $275 per resident a year.
What is the weather like in 33040?
July highs average about 91 degrees, and January highs near 77 with lows near 65. That works out to about 99 pleasant days a year, more than 63% of zip codes.
Is 33040 good for families?
Schools beat 58% of zip codes, crime safety beats 32%, and childcare runs $892 a month.
Compare 33040 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 33040. Scores are absolute rather than ranked, which means a 60 in 33040 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
33040 detail on BestNeighborhood maps:
- Walk Grade for 33040: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 33040: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 33040: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 33040: carrier by carrier coverage behind the cell score.
33040 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.