Real estate · Small-town market · Florida
Mortgage brokers and lenders in the Key West-Key Largo, FL area
The mortgage brokers and lenders in the Key West-Key Largo, FL area, the household spending behind them and how the market ranks against other small-town markets.
Groundwork market score · out of 100
Score 36 out of 100: Lower middle
Ranked #136 of 177 scored small-town markets
The only scored small-town market based in Florida
- Listings
- 21
- 1 chain location (5%)
- Official establishments
- 5
- Businesses with payroll, 2023
- Household spending a year
- $570.2M
- On rent and homeowner costs · $16,573 a household
- Housing spending per listing (U.S. = 100)
- 70
- 30% below the U.S.
- Listings per 10k households
- 6.1
- 42% above the U.S.
- Population, 2025
- 80,406
- −2.9% since 2020
See the mortgage brokers and lenders around any address in the Key West-Key Largo area
The site report maps the mortgage brokers and lenders on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of the Key West-Key Largo area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
The Groundwork market score for mortgage brokers and lenders in the Key West-Key Largo area is 36 (lower middle), #136 of 177 scored small-town markets and the only scored small-town market based in Florida. That puts it in the bottom quarter of small-town markets.
Household spending on rent and homeowner costs in the Key West-Key Largo area comes to about $570.2M a year: $16,573 per household, in line with the U.S. average. Housing spending per office is 30% below the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in.
There are 21 mortgage brokers and lenders on map listings in the Key West-Key Largo area as of September 2026. One of them (5%) is a chain location, against 21% across the U.S. That comes to 6.1 for every 10,000 households, 42% above the U.S. rate of 4.3.
The official count of businesses with payroll classed as mortgage brokers and real estate lenders in the Key West-Key Largo area was 5 in 2023. That is one for every 6,881 households, against one for every 4,897 across the U.S. Population estimates put the population change in the Key West-Key Largo area from 2020 to 2025 at −2.9%, against +3.1% for the U.S.
How the Key West-Key Largo area compares
The same measures for Florida and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | Key West-Key Largo area | Florida | U.S. |
|---|---|---|---|
| Listings per 10k households | 6.1 | 5.3 | 4.3 |
| Housing spending per listing (U.S. = 100) | 70 | 74 | 100 |
| Households per official establishment | 6,881 | 3,510 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +22.5% | +9.5% |
| Population growth, 2020–2025 | −2.9% | +8.7% | +3.1% |
| Spending per household on rent and homeowner costs | $16,573 | $15,326 | $16,661 |
| Median household income | $87,738 | $74,568 | $80,734 |
| Groundwork market score | 36 | 36 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 5
- Employees, 2023
- 7
- Annual payroll, 2023
- $681K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 211 chain location
- Listings at the U.S. rate for this spending
- 15The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in the Key West-Key Largo area, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in the Key West-Key Largo area
- Population, 2025 estimate
- 80,406−2.9% since 2020
- Households
- 34,405
- Median age
- 48.9
- Homes lived in by their owners
- 66%
- Vehicles per household
- 1.7
- Land area
- 983 sq. mi.
- People per square mile
- 83
- Median household income
- $87,738+25.3% vs. 2015–2019, before inflation
- Average household income
- $136,520
- Median home value
- $780,600
- Jobs located here
- 41,028
- Daytime population
- 79,622Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Key West-Key Largo area?
These figures cover the whole small-town market. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the mortgage brokers and lenders on map listings by name and distance.
Or open the report at the center of the Key West-Key Largo area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardOther business types in the Key West-Key Largo area
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
- Real estate20
- Real estate agents and brokers20
- Property management24
- Mortgage brokers and lenders36
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Key West-Key Largo, FL area?
As of September 2026, map listings count 21 mortgage brokers and lenders in the Key West-Key Largo area. One of them (5%) is a chain location. The listings count mortgage brokers and mortgage lenders. Official counts show 5 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the Key West-Key Largo, FL area spend on rent and homeowner costs?
About $570.2M a year, or $16,573 per household. That is in line with the U.S. average (an index of 99, where 100 is the U.S. average). For the 21 mortgage brokers and lenders on map listings, housing spending per office is 30% below the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money mortgage brokers and lenders take in. It is estimated from the incomes of the 34,405 households in the Key West-Key Largo area and national spending patterns by income.
How does the Key West-Key Largo, FL area compare with the U.S. for mortgage brokers and lenders?
The Key West-Key Largo area has 6.1 mortgage brokers and lenders per 10,000 households, 42% above the U.S. rate of 4.3. The index of housing spending per office is 70, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, the Key West-Key Largo area would have about 15, against 21 on map listings. There is one business with payroll in the industry for every 6,881 households, against one for every 4,897 across the U.S.
How fast is the Key West-Key Largo, FL area growing?
Population estimates put the Key West-Key Largo area at 80,406 people in 2025, down 2.9% since 2020, against +3.1% for the U.S. It has 34,405 households. Median household income in the Key West-Key Largo area is $87,738, 9% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 25.3%, before inflation.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. The Key West-Key Largo area scores 36 for mortgage brokers and lenders (lower middle), #136 of 177 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Key West-Key Largo area. It maps the mortgage brokers and lenders on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for mortgage brokers and lenders · All 56 business types in the Key West-Key Largo area
Screening a site or an acquisition in the Key West-Key Largo area?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of the Key West-Key Largo area. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.