32656
Keystone Heights, Florida.
Keystone Heights, Clay County, FL · Jacksonville, FL metro · population 15,836
to buy the typical home at today's mortgage rate — +$866 (+136%) since Jan 2020.
- 1 year
- Up $9,637 +3%
- $276,503$286,140 since Sep 2025
- 5 years
- Up $66,589 +30%
- $219,551$286,140 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 32656$1,502
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in zip 32656 rose 3.5% over the past year — faster than the nation's +1.2%.
This zip spans 2 counties: Clay County, FL 95% · Bradford County, FL 5%
Zillow also publishes an index for the city itself: Keystone Heights, FL — measured over the city limits, which is a different area from this zip.
Asking rent — 32656
Against the Jacksonville, FL metro and the national benchmark.
Not enough data to draw this yet.
Typical home value — 32656
Mid-tier homes, smoothed and seasonally adjusted.
- 32656$286,140
- Jacksonville$350,574
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 6.9 | 32140 | Florahome | 1,479 | — | $210,952 |
| 7.4 | 32666 | Melrose | 6,662 | — | $310,627 |
| 11.7 | 32631 | Earleton | 343 | — | $365,256 |
| 12.1 | 32091 | Starke | 14,719 | — | $236,400 |
| 12.3 | 32694 | Waldo | 2,286 | — | $214,709 |
| 12.8 | 32044 | Hampton | 2,594 | — | $266,181 |
| 14.5 | 32043 | Green Cove Springs | 34,562 | $2,220 | $344,671 |
| 16.1 | 32148 | Interlachen | 12,063 | $1,175 | $168,411 |
| 17.5 | 32177 | Palatka | 25,645 | $1,371 | $207,709 |
| 18.2 | 32068 | Middleburg | 58,983 | $1,959 | $325,317 |
| 19.3 | 32640 | Hawthorne | 10,623 | — | $225,835 |
| 19.9 | 32058 | Lawtey | 4,655 | — | $237,202 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.