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What is the difference between Keys real estate and mainland?

Steve Conley | August 24, 2026

Short Answer

Keys real estate is fundamentally different from mainland Florida due to limited geography, unique permitting (ROGO), higher insurance requirements, waterfront premium pricing, and a buyer pool that includes many second-home and investment buyers.

Keys real estate is fundamentally different from mainland Florida due to limited geography, unique permitting (ROGO), higher insurance requirements, waterfront premium pricing, and a buyer pool that includes many second-home and investment buyers.

If you have a specific situation or property in mind, I encourage you to reach out directly. Every real estate transaction in the Florida Keys has unique factors, and a conversation is the best way to get the precise guidance you need. My team and I are here to help you navigate the process with confidence.

Text me at (305) 393-5859 or send a message through the contact page and I will get back to you personally.

Steve Conley

Steve's Advice

Steve Conley

Principal, Conley Sales Group at COMPASS

Everything is different here. The land is scarce, the rules are stricter, the insurance is higher, and the lifestyle is unmatched. I have been doing this for over 30 years and I still learn something new about Keys real estate on every transaction. Patience and local knowledge are your best assets.

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Whether you are buying, selling, or just exploring the Florida Keys, Steve is here to help.