Cudjoe Key, FL vs Willow Oak, FL

The cost of living difference between Cudjoe Key, FL and Willow Oak, FL is dramatic. Willow Oak is 79.6% cheaper than Cudjoe Key, a gap that translates to thousands of dollars per year in household expenses. Cudjoe Key has a cost index of 151 while Willow Oak sits at 84, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Cudjoe Key is $1,875/month compared to $986/month in Willow Oak — a 90% difference. Home values follow the same pattern: Willow Oak is more affordable at $241,600 median vs $707,700.

Median household income in Cudjoe Key is $84,890 compared to $59,346 in Willow Oak (+43%). The higher salaries in Cudjoe Key partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Cudjoe Key spend roughly 26.5% of their income on rent, more than the 19.9% in Willow Oak.