Best PlacesKey Biscayne, FL Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood in and around Key Biscayne, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
Key Biscayne ranks 3,019th of 50,333 U.S. towns on the BestNeighborhood index. It scores highest on biking by a wide margin, and car insurance costs are the weak spot.
The best neighborhoods in Key Biscayne
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.
Key Biscayne's strengths and weaknesses
Where Key Biscayne ranks high
- BikingBetter than 99% of towns
- Household income$194,184 median, better than 99% of towns
- Educational attainmentBetter than 99% of towns
- Health outlookBetter than 99% of towns
- State infrastructureBetter than 99% of towns
Where Key Biscayne ranks low
- Cheap car insuranceBetter than only 1% of towns
- Housing crash safetyBetter than only 2% of towns
- Disaster safetyBetter than only 5% of towns
- Heat safetyBetter than only 9% of towns
- Low vacancyBetter than only 10% of towns
What it costs to buy a home in Key Biscayne
A household needs to earn about $385,000 a year to comfortably buy the median Key Biscayne home, at 20% down and today's 30-year rate. That runs well above the area's median income of $194,184, 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 Key Biscayne's effective rate of 0.89%, 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 Key Biscayne
Key Biscayne's age mix sits close to the national median, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for Key Biscayne.
Who works in Key Biscayne, and how
Work in Key Biscayne centers on finance & insurance and professional & technical. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 57%
- Work from home 37%
- Transit, walk, or bike 6%
Life in Key Biscayne
Key Biscayne has more restaurants and bars per resident than 88% of towns and more parkland per resident than 99% of towns. The coast is about 0 minutes away. Dining, parks, and nightlife concentrates in some parts of Key Biscayne and thins out in others, which the map shows.
What the weather is like in Key Biscayne, month by month
Key Biscayne sees roughly 74 pleasant days a year. July highs average about 92 degrees. January highs sit near 79, with lows near 60. The comfortable stretch runs December through March.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 79° | 69° | 60° |
| April | 86° | 78° | 70° |
| July | 92° | 85° | 78° |
| October | 88° | 81° | 75° |
Flying in and out of Key Biscayne
Miami International sits about 11 miles away. It is a large hub and boarded 26.2 million passengers in 2025, with 233 nonstop destinations.
The best schools in and around Key Biscayne
Schools across Key Biscayne average an A−, better than 86% of towns.
Top elementary schools
- Pinecrest Elementary SchoolA+ · 80% proficient
- Key Biscayne K-8 CenterA+ · 73% proficient
- Dr. Edward L. Whigham Elementary SchoolB · 49% proficient
Top middle schools
- Palmetto Middle SchoolA · 63% proficient
- Ponce De Leon Middle SchoolB · 45% proficient
Top high schools
- Mast AcademyA+ · 87% proficient
- Amikids Miami-dade SouthD+ · 25% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every Key Biscayne school and its grade on SchoolGrade.
Key Biscayne 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 Key Biscayne against the other 50,332 towns.
Common questions about living in Key Biscayne
Is Key Biscayne a good place to live?
Using BestNeighborhood's default rankings, Key Biscayne ranks 3,019th of 50,333 towns. It scores highest on biking, high incomes, and an educated workforce, and lowest on car insurance costs and an overheated housing market. How good it is for you depends on which of those you weight most, which the map lets you set.
Is Key Biscayne expensive to live in?
The median home is worth $1,456,099. The overall cost of living runs about 81% above the national average. Set against a $194,184 median income, cost of living beats 87% of towns.
Is Key Biscayne safe?
Key Biscayne is safer than 16% of towns. Safety varies a lot by neighborhood. Crime costs an estimated $311 per resident a year.
Compare Key Biscayne with other towns
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to Key Biscayne. Scores are absolute rather than ranked, which means a 60 in Key Biscayne 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.
Key Biscayne detail on BestNeighborhood maps:
- Walk Grade for Key Biscayne: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in Key Biscayne: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of Key Biscayne: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in Key Biscayne: carrier by carrier coverage behind the cell score.
Key Biscayne 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.