What are the hidden costs of living in Summerland Key?

Elevated homeowner’s insurance for waterfront property Higher utility and maintenance costs for large homes Possible HOA fees for gated communities

What is the median home price in Summerland Key?

The median home price in Summerland Key is approximately $950,000.

What are the downsides of living in Summerland Key?

High cost of living and property taxes Limited local shops and dining options Long commute to major employment centers Few opportunities for pedestrians or cyclists

How are the schools in Summerland Key?

Summerland Key has a school rating of 5/10. Schools are below average.

What is the commute like from Summerland Key?

The average commute from Summerland Key to Miami is approximately 150 minutes.

Summerland Key, FL

Summerland Key · FL 33042

Updated October 31, 2026 · Would You Live There?

Good for now

Verdict

$950K

Median Price

…

Walk Score

5/10

Schools

150 min

to Miami

Score Breakdown

FAffordability

15/100

ASafety

92/100

D+Schools

50/100

B+Quietness

80/100

FCommute

15/100

FWalkability

0/100

WYLT Score42/100

Our Take

Summerland Key offers a quiet, waterfront lifestyle with solid schools and a strong local economy, but it lacks walkability and has a long commute to larger job centers. The high cost of homes and amenities is offset by low crime and a family-friendly environment.

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Map

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The Good

✓Prime waterfront location
✓Top‑rated local elementary school
✓High median household income
✓Low violent and property crime

Real Talk

!High cost of living and property taxes
!Limited local shops and dining options
!Long commute to major employment centers
!Few opportunities for pedestrians or cyclists
$Elevated homeowner’s insurance for waterfront property
$Higher utility and maintenance costs for large homes
$Possible HOA fees for gated communities

Best For

Waterfront livingRetirementLuxury homesFamily-friendly

Risk Snapshot

Flood riskLow

Violent crimeLow

Property crimeLow

Air qualityModerate

Price volatilityModerate

Crime & Safety