| ZIP Code | 32656 |
|---|---|
| City | Keystone Heights |
| State | Florida (FL) |
| County | Clay County |
| Area Code | 324/352/904 |
| Elevation | 162 ft |
| Latitude | 29.827107 |
|---|---|
| Longitude | -81.945168 |
| Timezone | New York (DST) |
| FIPS | 12019 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 40.4 yrs ↓ 7% since 2019 |
|---|---|
| Avg Household Size | 2.74 |
| Below Poverty | 12.7% ▲ 27% above avg |
| College Grads | 33.5% ▼ 14% below avg |
| Unemployment | 4.1% ▼ 17% below avg |
| No HS Diploma | 88 (0.9%) |
| HS Graduate | 2,888 (29.1%) |
| Some College | 1,935 (19.5%) |
| Associates | 1,684 (17%) |
| Bachelors | 1,143 (11.5%) |
| Graduate Degree | 2,177 (22%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $73,201 ≈ Avg ↑ 46% since 2019 |
|---|---|
| Median Home Value | $202,900 ▼ 27% below avg ↑ 62% since 2019 |
| Home/Income Ratio | 2.8x (nat avg ~3.5x) |
| Median Rent | $1,068/mo ↑ 24% since 2019 |
| Total Units | 6,565 |
| Vacant Units | 885 |
| Avg HH Size | 2.74 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 6,565 |
|---|---|
| Vacant | 885 |
| Owner Occupied | 82.0% |
| Renter Occupied | 18.0% |
| Avg HH Size | 2.74 |
ZIP code 32656 is located in Keystone Heights, Florida, within Clay County. With a population of 15,630, this is a moderately populated ZIP code with a middle-aged community — the median age is 40.4 years. Economically, 32656 is a solidly middle-class ZIP code: the median household income of $73,201 is near the national average.
Real estate in ZIP code 32656 represents an affordable housing market. The median home value of $202,900 is below the national average. Renters can expect to pay around $1,068 per month in median rent. Homeownership is strong here — 82.0% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 62% since 2019.
The population of 32656 is primarily White (82.35%). Residents are moderately educated — 33.5% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 12.7%. Household income has grown by 46% since 2019.
The unemployment rate in 32656 stands at 4.1%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 77%.
Overall, ZIP code 32656 in Keystone Heights, FL is characterized as solidly middle-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 15,630 residents, a median household income of $73,201, and a median home value of $202,900, it offers a clear picture of life in this part of Florida.