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Keystone Heights city, FL

ZIP 32656 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 32656

Median Home Value
$202,900
Median Rent
$821
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,303/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 32656 in Keystone Heights city, FL, a household would need roughly $56,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,303. That sits below the local median household income ($73,201), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.0%+25% vs US avg
x
Vacancy Rate
13.5%+31% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
2.3%-82% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
10.5%-79% vs US avg
x
Mortgage-Free
44.3%+16% vs US avg
x
$202,900
Home Value
$821
Rent
1986
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached56.5%
  • 1-unit attached0.1%
  • 2-9 units0.8%
  • 10+ units0.5%
  • Mobile home & other42.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$202,900
Median rent$821
Owner-occupied82.0%
Vacant13.5%
Price-to-income2.8x
Est. income to buy$56,000